美國銀行 (BoA) 使用 Ripple (XRP) 進行內部交易：未經證實的索賠引發爭論

最近有關美國銀行（BoA）使用 Ripple 的 XRP 進行內部交易的說法引發了金融和加密貨幣領域的激烈爭論。

Recent reports have sparked widespread discussion about Bank of America (BoA) using Ripple’s (XRP) token for internal transactions. While such a move could be significant for digital payments, it’s crucial to approach these claims with caution until they are officially confirmed.

最近的報告引發了關於美國銀行 (BoA) 使用瑞波幣 (XRP) 代幣進行內部交易的廣泛討論。雖然此舉對於數位支付可能意義重大，但在這些說法得到正式確認之前，謹慎對待這些說法至關重要。

During a FOX Business interview on January 6, 2025, David Stryzewski, CEO of Sound Planning Group, made headlines by stating that BoA had integrated XRP for all its internal transactions. He also highlighted the bank filing 83 patents related to Ripple’s blockchain technology, indicating a substantial investment in the infrastructure supporting digital payments.

在 2025 年 1 月 6 日接受福克斯商業頻道採訪時，Sound Planning Group 執行長 David Stryzewski 因表示美國銀行已將 XRP 納入其所有內部交易而成為頭條新聞。他還強調該銀行申請了 83 項與 Ripple 區塊鏈技術相關的專利，表明該銀行對支持數位支付的基礎設施進行了大量投資。

However, despite Stryzewski's claims, there has been no official confirmation from Bank of America regarding the use of XRP for internal transactions.

然而，儘管 Stryzewski 聲稱，美國銀行尚未正式確認使用 XRP 進行內部交易。

According to historical records, BoA has indeed been exploring blockchain solutions for several years. For instance, in 2017, the bank filed a patent for a real-time settlement system that mentioned a “ripple” distributed ledger without explicitly naming XRP. This action demonstrates an ongoing interest in decentralized technology but raises questions about its current adoption practices.

根據歷史記錄，BoA確實多年來一直在探索區塊鏈解決方案。例如，2017 年，該銀行申請了一項即時結算系統專利，其中提到了「波紋」分散式帳本，但沒有明確命名 XRP。這項行動顯示了人們對去中心化技術的持續興趣，但也引發了對其當前採用實踐的質疑。

Meanwhile, in response to the news, XRP's market price experienced a notable increase. At the time of writing, according to data from CoinMarketCap, XRP is trading at $2.41, reflecting a 3.39% surge in value over the past 24 hours.

同時，受此消息影響，XRP 的市場價格出現了顯著上漲。截至撰寫本文時，根據 CoinMarketCap 的數據，XRP 的交易價格為 2.41 美元，反映出過去 24 小時內價值飆升 3.39%。

Among technical indicators, XRP price encountered a critical resistance at $2.89, while support is observed around $2.00, creating crucial levels for traders to monitor. Bullish sentiment is evident due to the potential for broader institutional adoption, although skeptics remain cautious in the absence of official statements.

在技​​術指標中，XRP 價格在 2.89 美元處遇到關鍵阻力，而支撐位在 2.00 美元左右，為交易者創造了需要監控的關鍵水平。由於有可能被更廣泛的機構採用，看漲情緒顯而易見，儘管在沒有官方聲明的情況下持懷疑態度的人仍然持謹慎態度。

If Stryzewski's claims are accurate, this development could set a significant precedent for cryptocurrency adoption within traditional banking systems. Notably, Bank of America's participation as a governance member in RippleNet showcases the growing collaboration between financial institutions and blockchain solutions.

如果 Stryzewski 的說法準確，這項發展可能為傳統銀行系統中採用加密貨幣樹立重要先例。值得注意的是，美國銀行作為 RippleNet 治理成員的參與展示了金融機構和區塊鏈解決方案之間不斷增長的合作。

In the absence of verifiable evidence, it is essential to rely on official updates and exercise caution before making any conclusions. Ultimately, the role of XRP in BoA's internal transactions remains a subject of speculation until further clarity is provided.

在缺乏可驗證證據的情況下，在做出任何結論之前，必須依賴官方更新並謹慎行事。最終，在進一步澄清之前，XRP 在美國銀行內部交易中的作用仍然是一個猜測的話題。

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