Kungani Ukwamukelwa Kwebhizinisi Kwemali Ethunyelwayo ye-Stablecoin Kuyisheke Langempela Lango-2025?

Ngaso sonke isikhathi, imali ivuselela indlela exhumana ngayo. I-accounting yokungena kabili eyakhelwe ukwethenjwa. I-SWIFT inikwe amandla ukusebenzisana komhlaba wonke. I-RTGS yenza isinxephezelo ngokushesha. Manje, amadola ahlelekayo, abhalwe ngekhodi ye-stablecoin, achaza kabusha imali ngokwayo. Ngo-2025, uma usabuka ukukhishwa kwemali kwe-stablecoin nge-lens yobungozi, awugcini nje sekwephuzile, kungenzeka ukuthi awuwufundi kahle wonke umfutho wezezimali zesimanje. Amareyili ayavuthwa. Imithethonqubo iyalandelana. Abahambisi bangaphambi kwesikhathi sebevele belula izinkokhelo zomhlaba wonke, baqinisa ama-loops e-treasury, kanye nezinsuku zokushefa namadola kukho konke okwenziwayo.

Le bhulogi akuyona isiphakamiso sesikhathi esizayo. Iwukuhlola iqiniso lamanje. Ake sihlole ukuthi kungani u-2025 ungewona nje omunye unyaka ku-fintech; ngunyaka amabhizinisi aqala ngawo ngokungathi sína ukuthuthukiswa kwepulatifomu yokukhokha ye-stablecoin.

Yini Eshintshile? Kungani I-2025 Ihlukile Ngemali Ethunyelwayo ye-Stablecoin?

Unyaka ka-2024 wawuphawule isikhathi esibalulekile. Ngokusho kwe-CEX.IO, ivolumu yokudluliselwa kwe-stablecoin ifinyelele ku- $27.6 trillion , idlula inani elihlanganisiwe lonyaka le-Visa ne-Mastercard ngaphezu kuka-7%. Ngo-2025, indaba ephathelene ne-stablecoin ishintshe kusukela engozini yaya ekulungelweni. Kokubili idatha kanye nemithethonqubo manje iyakusekela njengengqalasizinda elungele ibhizinisi. Lokhu akwenzeki endaweni engenalutho kwezomthetho. E-US, izinhlaka zomthetho ekugcineni ziyavumelana nezidingo zebhizinisi. Umthetho we-GENIUS, oye wathuthuka ngamavoti abalulekile eSenate futhi ubheke ekuvunyelweni kokugcina, uphakamisa izinqolobane ze-1:1, ukuhlolwa okuvamile, kanye nendlela yelayisensi kahulumeni yabakhiphi be-stablecoin. Okwamanje, i-SEC icacisile ukuthi ama-stablecoin asekelwa yi-fiat asetshenziselwa izinkokhelo, njenge-USDC, ngeke aphathwe njengezibambiso uma ahlelwe ukuthunyelwa kwemali kanye nokukhokhelwa. Lokho akuyona imvume nje kuphela. Kungumfutho.

Lokhu kuthuthuka okusheshayo kubonisa umkhuba obanzi: ukuthuthukiswa kwepulatifomu yokukhokha ye-stablecoin kuyashintsha kusuka esixazululweni se-crypto-native kuya ekusungulweni kwezimali okujwayelekile. Kunoma yiliphi ibhizinisi elibheke izinkokhelo zomhlaba wonke ezisheshayo, ezingabizi kakhulu, nezisobala, ukuthunyelwa kwe-stablecoin akusaseyona into yokuqagela; kuyisisekelo. Ushintsho luqiniswa amaqiniso okusebenza. Amaqembu ezezimali kanye nokuthobela imithetho afuna ngenkuthalo ezinye izindlela zokushintsha izindlela zokushintsha ezidala ukubambezeleka, izindleko zokusebenzisa imali, kanye nezingozi zokubuyisana. Njengoba ukuthunyelwa kwangempela kwanda, amabhizinisi amaningi aqala ukucabanga kabusha ngendlela asondela ngayo ekunyakazeni kwenani eliwela imingcele.

Kungani Amabhizinisi Ezifudumeza Ku-Stablecoin Remittance?

Ukuthuthukiswa kwepulatifomu yokuthumela imali ye-Stablecoin akuseyona into yokuqagela; sekuyinto enhle ngokwezimali emabhizinisini asebenza ngaphesheya kwemingcele. Ngejubane, ukusebenza kahle kwezindleko, kanye nokuhleleka okufakwe ekwakhiweni kwawo, ukwamukelwa kwe-stablecoin yebhizinisi kukhula njengesixazululo esinamandla sokwenza imisebenzi yezimali ibe yesimanje, ukuhlehlisa izinkokhelo zabathengisi, kanye nokwenza ngcono ukukhokhelwa kwamazwe ngamazwe.

1. Isivinini nokusebenza Kwezindleko: Izinkokhelo ezivamile zemingcele zihlanganisa abaxhumanisi abaningi, ukubambezeleka kwezinsuku zebhizinisi ezingu-2–5, kanye nezinkokhelo ezingaphezu kuka-5% yenani lomsebenzi. Ngokungqubuzanayo, stablecoin imali engenayo ingazinza ngaphansi kwamasekhondi angu-10 ngezinkokhelo eziphansi njengo-$0.01, ngisho nangezimpelasonto namaholide. Ezimakethe zomhlaba, amanethiwekhi wezokuthutha, kanye nezinkampani ezikude, lokhu kusebenza kahle kuhumushela ekongeni okubalulekile kanye nemijikelezo yokubuyisana esheshayo.
2. I-Real-Time Treasury Liquidity: I-Stablecoins ivula ukusebenza komgcinimafa okungu-24/7, ivumela amaqembu ezezimali ukuthi akhiphe imali, akhokhe ama-invoyisi, futhi alinganisele ama-akhawunti ngokushesha. Amabhizinisi angakwazi ukulondoloza imali kuma-wallet aku-on-chain ngenkathi ekhokha ngokuzenzakalelayo ngezinkontileka ezihlakaniphile, ngaphandle kokuthembela kumareyili wefa aqinile. Lolu shintsho luwumshayeli oyinhloko we isiteji se-stablecoin remittance ukwamukelwa kwengqalasizinda phakathi kwama-CFO nabagcinimafa.
3. Izinkokhelo Zabasebenzi Abangenamingcele: Ukwenyuka komsebenzi oqhelile kanye nosonkontileka bamazwe ngamazwe kusheshise isidingo sezinye izindlela ezisheshayo nezishibhile kunezinhlelo zendabuko zokuthumela imali. I-Stablecoin remittance ivumela izinkokhelo ezisheshayo, ezingenamngcele ngokulingana kwendawo, ukunciphisa izindleko zamabhizinisi kanye nokwenza ngcono ulwazi lwabamukeli.
4. Ingqalasizinda Elungele Ukuthobelana: Izinsizakalo zokuthuthukiswa kwenkundla yokukhokha ye-stablecoin yesimanje zinikeza izici zokuthobela izinga lebhizinisi, okuhlanganisa i-AML/KYC, ukufakwa ohlwini lwabamhlophe, nezindlela zokuhlola ezilawulayo, ezisusa ukukhathazeka osekunesikhathi eside kubanjwe mayelana nokuchayeka kwe-crypto.

Ngo-2025, ukutholwa kwe-stablecoin akukona nje ukuhlola kwe-fintech—kuyimpoqo yebhizinisi lezezimali. Njengoba ukucaca okulawulwayo kuba ngcono futhi nengqalasizinda ivuthwa, ama-stablecoins aba yinto ebaluleke kakhulu emaqenjini ezezimali omhlaba. 

Usazama ukuqonda ukuthi ukuthunyelwa kwemali okuzinzile kudlula kanjani izindlela zendabuko ngesivinini, izindleko, kanye nokuthembeka kokukhokha? Lokhu kufunda okusheshayo kuhlanganisa izisekelo.

I-Stablecoin Remittance Myths Holding Enterprises Back

Naphezu komfutho, amanye amabhizinisi asangabaza. Nakhu okwehlisa ukutholwa kwabantwana nokuthi kungani kunamaphutha:

Inganekwane 1: I-Stablecoins iyaguquguquka njenge-crypto.

Iqiniso: Ama-stablecoin alawulwayo njenge-USDC asekelwa yi-1:1, ahlolwa njalo, futhi aklanyelwe ukuzinza kwentengo.

Inganekwane yesi-2: Ukuthobela umthetho kuyisithiyo.

Iqiniso: Ama-stablecoin rails ahamba phambili alungele i-AML/KYC futhi ahlanganiswe namapulatifomu okuthobela imithetho njenge-Chainalysis kanye ne-TRM Labs.

Inganekwane yesi-3: Kuwubuchwepheshe kakhulu ukuthi ungahlanganisa.

Iqiniso: Amapulatifomu okuqala e-API anikeza ama-SDK ahlanganisiwe nadlalwayo amaqembu ezezimali zezinga lebhizinisi. Amabhizinisi abambelele kulezi zinkolelo-mbono eziphelelwe yisikhathi asengozini yokusala ngemuva. Eqinisweni, ukuthunyelwa kwemali okuzinzile akusaseyona into yokuhlola; sekulungele ibhizinisi, kuphephile ukuthobela imithetho, futhi kwakhelwe ukukala. Uma izinkampani zishesha ukuphonsela inselelo lezi zinganekwane, kulapho zizovula khona ngokushesha izinzuzo zokukhokha zomhlaba wonke ngesikhathi sangempela.

Futhi ngenkathi abanye besaqagela okwesibili, abanye sebevele basuka ekushayeleni izindiza baya ekukhiqizeni, balungisa buthule indlela ezezimali yesimanje egeleza ngayo emingceleni—izimpawu zabo zokutholwa lapho ikusasa liphokophele khona nokuthi ubani osenesinyathelo esingaphambili.

Imaphi Amacala Okusetshenziswa Akala Okokuqala Futhi Ashesha Kakhulu?

I-Stablecoin remittance ayisekho kumodi yokuhlola. Isebenzisa ukugeleza komsebenzi kwangempela, kwevolumu ephezulu kuzo zonke izimboni ngaphambili ebezithembele kungqalasizinda yamabhange ehlukene, ebiza imali eningi. Ijubane lokutholwa alifani, kodwa lapho ikhula khona, ikhula ngokushesha.

• I-Cross-Border Payroll: Amaqembu e-Global Web3, ama-DAO, namabhizinisi asabalalisiwe asebenzisa ama-stablecoins ukuphatha izinkokhelo zabanikeli. Ukugeleza kwe-Payroll manje kufana nokushesha komsebenzi wedijithali ngokwawo ngokususa ukuncika kwe-SWIFT kanye nokunika amandla ukukhokhwa okuseduze, ubusuku nemini. Izinkontileka ezihlakaniphile zivumela izibangeli ezisekelwe kungqopha-mlando, ezisiza izinhlangano ukuthi zenze izimo zokukhishwa ngokuzenzakalela, ukuzwakala, kanye nesivinini. Amabhizinisi asebenzisa a isixazululo sokukhokha se-stablecoin ngokwezifiso thola ukulawula kokusebenza ngaphandle kokwakha kabusha kusukela ekuqaleni.
• Izindawo zokuhlala ezengeziwe e-Frontier Economies: Ezifundeni ezinezinhlelo zamabhange ezingathembekile, njenge-Sub-Saharan Africa, izingxenye ze-Latin America, naseNingizimu-mpumalanga ye-Asia, abathengisi bakhetha ukukhokha i-stablecoin ngezinkundla ze-e-commerce nezinhlelo zokusebenza zeselula. Lokhu akuphathelene nokuqagela. Imayelana nokugcina inani kanye nokunciphisa ukungqubuzana kokuguqulwa. I-Stablecoin liquidity inikeza ukukhokhelwa okubikezelwayo ngamahlelo alingana ne-USD, okuyenza isebenze kuma-ecosystem athengisa kakhulu.
• UMnyango Wezezimali kanye Nokudluliswa Kwangaphakathi Kwebhizinisi: I-Stablecoins isetshenziswa njengamathuluzi wangaphakathi we-liquidity. Amabhizinisi apaka izimali ezingenzi lutho ezimpahleni zamadola enziwe amathokheni ukuze anike amandla ukunyakaza okusheshayo phakathi kwezinkampani eziphethwe ngaphansi, ozakwethu, noma abathengisi abawela imingcele. Ngezilawuli ezifanele ze-on-chain, imisebenzi yomgcinimafa ingashejula, igade, futhi ihlole umnyakazo ngesikhathi sangempela.
• I-Embedded Remittance ngama-Fintech APIs: Izinkampani manje zinikezela ngengqalasizinda ye-wallet-to-wallet eyakhelwe ku-stablecoin remittance. Lokhu kusiza ukunciphisa izindleko zokusebenza, ukunwebela ezindaweni ezingenawo amabhange, futhi kunikeze ukukhokhelwa kwabasebenzisi ngokushesha. Yethula nge-a isiteji se-stablecoin remittance ivumela ama-fintechs ukuthi asebenze nge-logic-grade logic, umzila we-liquidity, kanye ne-smart contract automation.
• Ukukhishwa Kwezimali Zosizo Izikhungo Zomphakathi kanye Nezi-NGO: Ezimweni zosizo lwabantu, ama-stablecoins ahlinzeka ngokuhlolwa, ukufinyelela, nokuqina. Izimali eziphuthumayo ezisatshalaliswa ku-on-chain zingahlelwa ngemithetho yokusetshenziswa, imigqa yesikhathi, kanye ne-geofencing. Isigaba esilandelayo? Ukukala lo mqondo ezinhlelweni zomphakathi eziholwa nguhulumeni kusetshenziswa amathokheni ahlelekayo, alawulwayo asetshenziswe ngenhloso eyakhelwe ukuthuthukiswa kwesiteji sokukhokha se-stablecoin imephu yomgwaqo.

Izimboni ezihamba ngokushesha manje ngeke nje zinciphise ukungqubuzana kokusebenza; bazochaza kabusha ukuthi ukugeleza komsebenzi wezezimali kungabukeka kanjani emhlabeni wangemva kokubhanga. Umbuzo wezimboni eziningi awuthi “uma.” Yilowo osevele akha, futhi singamatanisa isivinini sabo ngokushesha kangakanani?

Kungani Manje Kuyisikhathi Esingcono Kakhulu Sokwakha I-Stablecoin Remittance Platform?

U-2025 akuyona nje indawo yokunikeza isixazululo—yiwindi.

Ivolumu yokukhokhela i-on-chain idlule amanethiwekhi amakhulu wamakhadi, kuyilapho izinhlaka zokuthobelana ezifana noMthetho we-GENIUS kanye ne-MiCA zinikeza ukucaca kokulawula ukukhishwa kwe-stablecoin. Khonamanjalo, amabhizinisi omhlaba awasalindi; bahlanganisa ngokugcwele izendlalelo zezimali ezihlelekayo ukuze bathathele indawo izinqubo zamabhange ezimile. Ukwakha inkundla ye-stablecoin remittance namuhla kusho ukungena emakethe ngokushesha, ukulawulwa kwe-treasury okuqinile, kanye ne-overhead yokukhokha ephansi. Ngamathuluzi amathuluzi enkontileka ahlakaniphile, i-stablecoin liquidity API, nokuhlolwa kwesikhwama semali sekuvele kuyibanga lebhizinisi, ingqalasizinda isilungile; asikho isidingo sokwakha kusukela ekuqaleni.

Onjiniyela manje bangakwazi ukwethula ingqondo yenkokhelo ehlelekayo, usekelo lwemali eningi ye-stablecoin, kanye ne-automation yokuqala yokuthobelana emavikini, hhayi amakota. Kusukela kumabhange nama-fintech kuya kubathengisi bomhlaba wonke, izinkampani zezindiza, izikhungo, nabakhi bokuqala be-Web3 abahlola ukugeleza kwemingcele, umgcinimafa ozenzakalelayo, noma izinkokhelo zemvamisa ephezulu, asikho isikhathi esingcono sokwakha.

Imakethe isizoba ngeyalabo abakhe kusenesikhathi ngesikhathi abahlinzeki befa bejwayela.

Usulungele Ukuthumela I-Stablecoin Remittance Platform? Amathiphu ambalwa.

• Qala ngama-stablecoins asekelwa yi-fiat (isb, i-USDC, i-EUROC) ukuze uthole imali kanye nokuqondanisa kokulawula.
• Sebenzisa izinkontileka ezihlakaniphile ezigunyaziwe ukuze wenze izinkokhelo ngokuzenzekelayo futhi unike amandla imizila elungele ukuhlolwa.
• Hlanganisa ama-API okuhlola iwalethi ukuze uhlangabezane nokuthobela i-KYC/AML kusukela osukwini lokuqala.
• Khetha amanethiwekhi e-blockchain asekelwe ekusebenzeni kahle kwezindleko, isivinini, kanye nesikhathi (isb, i-Solana, i-Polygon, i-Ethereum)
• Imephu imisebenzi yakho yengcebo kusenesikhathi ukuze ugweme ukuhlukana kanye nokubuyisana okwenziwa ngesandla.

Ukwakha isixazululo sokukhokha se-stablecoin ngokwezifiso ngo-2025 akukona okokuhlola; kungukubulawa. Izinsimbi sezilungile. Imithetho iyakhula. Futhi amabhizinisi ahambayo manje awabona abaqalisi bokuqala; bangabaholi bemakethe kwezezimali ezihlelekayo.

Akusekho Ukulinda. Yakha nge-Antier!

Ukuthunyelwa kwemali kwe-Stablecoin akuseyona into ekude manje. Kubukhoma, kuyakhula, futhi abancintisana nabo sebevele bakha. Pho kungani uhlala ubambekile kwimodi yokuhlola? Nge-Antier, awutholi nje iqembu; uthola umlingani wokuqalisa. Siletha ubuchwepheshe obujulile ekuthuthukisweni kwepulatifomu yokukhokha ye-stablecoin , izinhlaka zokuthobela imithetho ezivivinywe yimpi, kanye nohlobo lwesivinini amabhizinisi asidingayo. Kusukela ku-real-time treasury kuya ekukhokheni komhlaba wonke, izixazululo zethu zokukhokha ze-stablecoin ezenziwe ngokwezifiso zenzelwe ukukusiza ukuthi uqhubeke ngokushesha nangokufanele. Uma usukulungele ukuyeka ukubuka bese uqala ukusebenzisa, i-Antier isivele yakha okulandelayo.

Asikhulume. Asakhe. Asihole.