由于美国金融系统的局限

小组讨论以产量币为​​中心，或者本质上是通过持有，占有或贷款（如稳定的）产生产量的加密货币的上升。

Stablecoins surged in popularity due to the shortcomings of the US financial system, specifically limited banking hours and the absence of a non-USD trading pair, according to Jerald David, president of Arca Labs.

ARCA Labs总裁Jerald David表示，由于美国金融体系的缺点，尤其是有限的银行工时和缺少非USD交易对，Stablecoins的流行程度激增。

“So we start thinking about the reason why, we start talking about the nine-to-five banking hours,” David said during a panel at TokenizeThis 2025 event on April 16.

戴维在4月16日的Tokenizethis 2025活动中的一个小组中说：“因此，我们开始考虑原因，我们开始谈论九到五个银行工作时间。”

The panel discussion focused on yieldcoins or, essentially, the rising of cryptocurrencies that can generate yield through holding, staking or lending, like stablecoins.

小组讨论的重点是产量币，或者实际上是通过持有，占有或贷款（如稳定的）产生产量的加密货币的上升。

“Well, nine-to-five banking hours don’t work, and there are implementations right now of payment systems that are going to come to market very soon, that are a good combination of both yield-bearing instruments as well as stabletokens.”

“好吧，九到五个银行工作时间不起作用，现在已经有一些付款系统的实施了，这些系统将很快上市，这是既有屈服工具又是稳定的企业的良好结合。”

According to David, the pressing need for stablecoins arises from the fact that the traditional US banking infrastructure doesn’t support round-the-clock transactions. “And this industry, as we all know, is a 24-hour industry.”

根据戴维的说法，对稳定币的紧迫需求源于以下事实：传统的美国银行基础设施不支持全天候交易。 “众所周知，这个行业是一个24小时的行业。”

KYC for stablecoins

KYC用于稳定的

The discussion touched upon Know Your Customer procedures, which are usually pertinent for yield-bearing instruments. One representative from Figure Markets said that everyone who owns a yield-bearing stablecoin would have to be KYC-ed for tax reasons.

讨论涉及您的客户程序，这些程序通常与承重工具有关。人物市场的一位代表说，出于税收原因，每个拥有承重稳定的人的人都必须是KYC-ED。

But David pointed out that stablecoins have several use cases beyond yield generation, including payments. “Using this stable token to buy a cup of coffee is not something that really should require AML or KYC for somebody.”

但是戴维指出，稳定币除了产生在内，包括付款，有几个用例。 “使用这种稳定的代币购买一杯咖啡并不是真正需要AML或KYC的东西。”

suggesting that part of the solution could be a trust-based KYC system that allows users to carry their credentials across platforms.

建议该解决方案的一部分可能是基于信任的KYC系统，该系统允许用户在平台上携带其凭据。

Currently, users must complete separate KYC checks for each financial institution or service they use, leading to friction and frustration, especially for those navigating multiple platforms or exploring different crypto ecosystems.

当前，用户必须为他们使用的每个金融机构或服务完成单独的KYC检查，从而导致摩擦和沮丧，尤其是对于那些导航多个平台或探索不同加密生态系统的人。