马斯克最近接受了印度知名企业家和博主Nikhil Kamath的采访。 Nikhil Kamath是印度的一名年轻企业家，金融经纪公司 Zerodha的联合创始人。 2021年，他以90亿美元财富首次登上《胡润全球白手起 家U40富豪榜》，此后财富值持续增长，截至2024年以84亿美元位列《福布斯印度富豪榜》第33位。 两个人对未来的商业、科技和社会发展进行了讨论， Nikhil Kamath说他希望通过与马斯克的对话，帮印度雄心勃勃的创业者们找到未来 的方向。 整个采访时长接近2个小时，我看完了，对其中马斯克的部分观点我做了提炼和总结，供大家参考： 大家好，我是卫明。周末加更，分享我认为有价值的内容。 1. 当AI和机器人大幅度提高生产力，自己能建造芯片和光伏，然后又能反哺机器人，从而完成制造和能量闭环后，将会把"劳动力成 本"将降到非常低或接近 "零" 。 而马斯克认为，货币系统就是劳动力分配系统，当劳动力接近无限时，传统货币体系的意义会消失，而能源才是最重要的价值承载物。 我认为你不再需要货币 作为劳动力分配的数据库。 我认为货币 作为一个概念会消失。 他的意思是，那个时候传统货币的意义和重要性会小很多 ...

Core Insights - The report by the Bank for International Settlements (BIS) raises significant doubts about the future of stablecoins, highlighting their shortcomings against core assessment criteria of a monetary system [1] - The findings have a substantial impact on the current booming stablecoin market and provide important references for global regulatory policy-making [1] Group 1: Performance Deficiencies of Stablecoins - The BIS establishes three core standards for evaluating monetary systems: singularity, elasticity, and integrity [3] - Singularity requires that currencies from different issuers be universally accepted, which stablecoins fail to achieve due to their lack of central bank backing and the tendency for different stablecoins to trade at varying exchange rates [3] - Elasticity demands that the monetary system can flexibly supply large payment needs, but stablecoins are constrained by a "prepaid cash" mechanism that limits their ability to meet liquidity demands in complex economic activities [3] Group 2: Integrity Concerns - Integrity focuses on the monetary system's ability to resist financial crimes and illegal activities, with stablecoins' anonymity posing risks for money laundering and terrorist financing [4] - The absence of "Know Your Customer" standards in stablecoins raises concerns about their use in illicit activities, despite blockchain analysis companies' efforts to track certain transactions [4] Group 3: Advantages of Traditional Monetary Systems - The BIS asserts that the current two-tier monetary system, centered around central banks, remains superior in ensuring currency applicability compared to other models [5] - Central banks provide the highest form of currency, ensuring finality in settlements and stability in pricing, while commercial banks support economic activities with effective payment methods [5] - The traditional system's resilience is demonstrated through modern real-time gross settlement systems, which allow central banks to provide reserves and liquidity as needed, ensuring efficient payment operations [5] Group 4: Future Directions for Tokenization - While tokenization technology holds transformative potential, the BIS suggests that its development should focus on improving the existing system rather than completely replacing it [5] - A tokenization platform centered around central bank reserves, commercial bank currency, and government bonds could lay the foundation for the next generation of monetary financial systems [5] - This approach aims to integrate information transfer, reconciliation, and asset transfer into a seamless operation, maintaining the core advantages of the current monetary system while leveraging technological innovation [5]