Iimarike ezintsha ze-EU ze-Crypto Assets (MiCA) Ukuphendula kwimeko efanayo, i-consortium yeebhanki eYurophu yenza i-stablecoin eyenziwa kwi-euro ngoSeptemba we-2025, ngexesha lokuphendula i-US dominance kwi-digital payments, nangona i-stablecoins ezininzi ezivela kwi-US dollar. Ukucaciswa Ngoku, i-New Ngokutsho le nophando, ukusetyenziswa kwe-stablecoins ye-payroll kwihlabathi lokuqala ka-2025, kunye ne-70% yeengxabiso ze-freelancer ziyafumaneka kwi-stablecoins. I-volume yeengxabiso ze-corporate kwandiswa ngexabiso ngexabiso ngexabiso ngexabiso ngexabiso ngexabiso. inkcazelo EasyStaff Yintoni iintlawulo ezisemthethweni? Nangona iinkampani ezininzi zihlanganisa ukuhambisa e-ekolweni kunye nokunyuka kwimfuno ye-efficient and fast cross-border payments, iinkqubo zebhanki ezivamile ziye zithunywe ngokubanzi. Kwaye nangona i-United States ivame ukuhambisa kwimveliso, abantu eYurophu zinezinto ukuhambisa kwimigodi ye-digital. Kwimveliso, ukuguqulwa kwizitimela ezivamile - i-conventional financial infrastructures- ezifana ne-SWIFT okanye i-SEPA, inikeza iimveliso ezininzi kwi-speed kunye ne-cost-efficiency. Umfundisi kunye noCEO Ukubonisa ukuba i-stablecoin transactions kwi-remote payroll "ukuthatha imizuzu, akukho iiyure okanye iintsuku, kwaye izindleko ziquka yi-provider kunye ne-corridor," ngelixa ngexabiso kunye . U-Vitaly Mikhailov I-EasyStaff 150m2 "[I-Stablecoin transfers] inikeza ukuxhaswa ngokukhawuleza, ukulawula kwe-Forex emangalisayo, kunye ne-payment rails ezincinciphekileyo ngokuhambisana ne-jurisdiction kunye ne-urgentity," wabelane. Ukusetyenziswa kwe-stablecoins, i-EasyStaff inokukhokha abasebenzi kwiziphi na indawo yehlabathi ngokukhawuleza, ukunceda izindleko ezininzi. Ukucinga Nangona abasebenzi abaninzi ezisekelwe kumazwe ezinxulumene neengxaki zebhanki, i-cryptocurrency inikeza i-alternative ye-SWIFT. Njengoko i-stablecoins ezininzi zihlanganiswa ne-dollar US okanye iimali ezininzi ezininzi ezininzi ezininzi, zinika isitoreji eshushu ye-value kunye ne-hack against-high inflation, ebonakalayo kwakhona njenge-alternative to local currencies. Imibuzo yokuzonwabisa Ukusetyenziswa kweemvavanyo ezintsha zibonisa izixazululo zayo, kunjalo, ikakhulukazi kumgangatho we-compliance, i-regulation kunye ne-security. Kwiinkqubo ye-banking yokuzonwabisa, iingxaki ze-compliance ziye zithunyelwe kwiibhanki. "Nge-stablecoins, iinkampani zinokufumana iinkonzo ezifanayo, ukusuka ukutshintshwa kwe-sanction ye-wallet, ukuba zibonise iingxaki ze-audit kunye nokufumana ukhuseleko," ilazise. I-Chief Product Officer kwi-Organization for the Prevention of Financial Crime Ngexesha elandelayo kunye . U-Niklas Rosvall Ukucinga 150m2 "I-sender ibonakalisa i-anti-money laundering (AML) kunye ne-sanctions checks." Kwakhona, iinkampani ezisetyenziswe i-stablecoin yokufinyelela i-crypto travel rule ye-EU Transfer of Funds Regulation, ngokutsho ukuba iinkcukacha ze-sender kunye ne-receiver ziqhutywa kunye neengxaki ze-financing ye-terrorism (CFT). Nge-stablecoin, akukho i-entity ye-central ibonise ngokuzenzakalelayo i-receiver, nto leyo ibonise iinkcukacha ze-compliance. Iingxaki zokhuseleko ziyafumaneka ngexesha elifanayo kwi-payers kunye ne-payment intermediaries: ukhuseleko lwemali ye-stablecoin yabasetyhini kunye nokuqinisekisa ukhuseleko olufanelekileyo ayikho kwimali kuphela yeebhanki. Njengoko i-Rosval ibonisa, "Nge-SWIFT, i-banki ibekwe imali yakho ekhuselekileyo. Nge-stablecoins, unayo ukhuseleko yokhuseleko i-private keys - ufumane, kwaye ungenza iimali." MiCA, i-lever for the future of payments Ukusetyenziswa ngokupheleleyo ukususela ngoDisemba 2024, i-MiCA Regulation ibeka imiyalelo yokuthumela, ukuhweba kunye nokuthumela iinkonzo kunye ne-crypto-assets-kuquka i-stablecoins- ukunika ukuzinza kwimveliso kunye ne-market integrity. Ngokufaka i-stablecoins ngexabiso kunye neeyunithi ze-fiat, le regulation ibonise iimveliso kwi-EU space, okuvumela abathengi be-compliance ukuzinza i-controls kunokuba ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye ziye z Iimpawu ze-European financial institutions zinxibelelana kwiimpumelelo zokusetyenziswa kwi-stablecoin boom. Kwixesha elidlulileyo, iibhanki ezine-kuquka i-Banca Sella yaseItaly, i-KBC yaseBelgium, kunye ne-CaixaBank yaseSpain- Iingxoxo ze-MiCAR-compliant ye-euro-denominated stablecoin, ezinikezela ukuba kwenziwe indlela ye-payment enomdla kwi-ecosystem ye-digital. Ezinye ziye zininzi, kunye ne-Francois Villeroy de Galhau, umongameli kwi-European Economic Forum. Ukucinga Ukusetyenziswa kwezinto zokuvumelana neebhanki zendawo ngaphandle kwe-stablecoins. Ukudibanisa Banque de France Ukukhangisa I-CFO kunye ne-CEO ye I-MiCA yenzelwe ngokucacileyo: "Ukuyifunda i-MiCA njengoko i-quality bar. Ukuba uthathe i-teammates e-EEA, kufuneka uqinisekisa ukuba i-token i-EU-approved e-money [...] okanye i-asset-referenced, kwaye ukuba umthengisi wakho uye lisenziwe. Oku kunikeza ukucaciswa okuzenzakalelayo, iziganeko ezininzi ze-reserve, kunye nenkqubo ye-legal ye-redemption ngexabiso." I-Baran Ozkan I-AI-native transaction monitoring inkampani Flagright Umgangatho we-reactive Ngokusekelwe kwi-MiCA, i-European Central Bank (i-ECB) isebenza ukuguqulwa kwe-dominance ye-stablecoins e-USD kunye neengxaki ye-financial sovereignty yaseYurophu. I-EUROC kunye ne-EURS, i-stablecoins e-euro-backed, ibonise i-demand ye-currency eyenziwe yi-euro ekutholeni i-strategic autonomy kwimali. I-ECB ibonelela ukuba i-stablecoins eyenziwe ngempumelelo ingangena inkqubo ye-monetary policy kunye ne-stability ye-financial, kwaye ibonise ukuqala i-stablecoins eyenziwe ngempumelelo. Iibhanki zebhanki zebhanki zithembisa iingcebiso ukuba abathengi zithembisa iingcebiso kwi-central bank ye-currency ye-digital kwiindawo ze-accounts ze-traditional. I-Digital Euro Ukutya kwe-cryptocurrencies, i-cryptocurrencies yenza iinkonzo kumazwe afana ne-EasyStaff ukugcina i-efficiency kunye nokufumana iinkqubo ze-compliance ezininzi. Ngokutsho kweMikhailov, "i-challenge ye-adjustment ye-treasury kunye ne-legal frameworks kwi-regulations ezintsha ngokukhawuleza nangokufumana i-audit-ready kunye ne-payout-flexible." Iintlawulo zehlabathi zehlabathi zihambe kwiinkqubo ezihlangeneyo kwiintlobo ezincinane ezincinane kunye neengxaki ezininzi. I-Multi-rail treasury strategies iye yaba i-norm entsha, kunye ne-wire, i-cards kunye ne-stablecoins ezisetyenziswa kunye. Kwaye nangona ukusetyenziswa kwe-stablecoin kwimali ezininzi kwimali ezimbini kunokuphucula i-efficiency, ukusetyenziswa okwandisa kwe-stablecoins e-U.S. inikeza iingxaki ezininzi eYurophu: ukuxhaswa kwimali yendawo, iingxaki zeengxaki zeebhanki, ukuxhaswa kwe-US Treasuries, kunye ne-erosion yeengxaki ze-fiscal. Ukongezelela kwiingxaki zayo zangaphakathi, abanamakhasimende bakwazi ukucacisa ekugqibeleni i-monetary sovereignty yeYurophu, njengoko iinkcukacha ezikhuthaza i-innovation zithintela i-control kunye ne-seigniorage iingcebiso ezivela kumazwe ngamazwe ngamazwe amancinci. Gabrielle Degeorge, umbhali, 150Sec Gabrielle Degeorge, Journalist, 150Sec
