產業爆發 跨國支付巨擘互相掐

在全球貿易和基礎設施項目激增的推動下，跨境支付產業預計到 2027 年將達到 250 兆美元。 Ripple、Stellar、Swift 和 FedNow 等主要參與者正在透過創新解決方案爭奪主導地位，包括 Ripple 與亞馬遜的合作、Stellar 的互通性以及 Swift 的 CBDC 實驗。

Cross-Border Payment Industry on a Meteoric Rise: A Battle of Titans

異軍突起的跨國支付產業：群雄之戰

The global cross-border payment industry is poised to explode, reaching a staggering $250 trillion by 2027, a testament to the rapidly increasing volume of international transactions. This surge in growth, fueled by a 10% annual increase from emerging economies, is being driven by investments in trade and infrastructure projects such as the African Continental Free Trade Area and China's Belt and Road Initiative.

全球跨境支付產業即將爆發，到 2027 年將達到驚人的 250 兆美元，證明了國際交易量的快速成長。非洲大陸自由貿易區和中國「一帶一路」倡議等貿易和基礎設施項目的投資推動了新興經濟體每年 10% 的成長率，推動了這一增長的激增。

At the heart of this technological revolution lies a fierce battle for dominance among industry giants such as Ripple, Stellar, Swift, FedNow, and Hedera. Each of these players is doubling down on their efforts with innovative solutions to capture a significant share of this lucrative market.

這場科技革命的核心是 Ripple、Stellar、Swift、FedNow 和 Hedera 等產業巨頭之間爭奪主導地位的激烈爭奪。這些參與者都在加倍努力，透過創新解決方案來佔領這個利潤豐厚的市場的重要份額。

Swift: The Incumbent Giant

斯威夫特：現任巨頭

Swift, the incumbent leader in cross-border payments, boasts a vast network of over 11,000 financial institutions in more than 200 countries. Despite its dominance, Swift faces increasing competition from blockchain-based challengers. However, the company remains confident in its ability to maintain its leading position, as evidenced by its recent Central Bank Digital Currency (CBDC) interoperability experiment.

Swift 是跨境支付領域的現任領導者，擁有由 200 多個國家的 11,000 多家金融機構組成的龐大網路。儘管佔據主導地位，Swift 仍面臨來自區塊鏈挑戰者日益激烈的競爭。然而，該公司對其保持領先地位的能力仍然充滿信心，最近的中央銀行數位貨幣（CBDC）互通性實驗就證明了這一點。

Ripple: The Blockchain Disruptor

Ripple：區塊鏈顛覆者

Ripple, the world's leading enterprise blockchain solution for global payments, has emerged as a formidable competitor to Swift. Its strategic partnership with Amazon, one of the largest e-commerce companies globally, is a testament to its growing influence. Ripple's native token, XRP, is widely expected to play a pivotal role in cross-border payments, with experts predicting a potential surge in its value to $500 by 2027.

Ripple 是全球領先的全球支付企業區塊鏈解決方案，已成為 Swift 的強大競爭對手。它與全球最大的電子商務公司之一亞馬遜的策略合作夥伴關係證明了其影響力不斷增強。人們普遍預計 Ripple 的原生代幣 XRP 將在跨境支付中發揮關鍵作用，專家預測到 2027 年其價值可能會飆升至 500 美元。

Stellar: The Interoperability Champion

Stellar：互通性冠軍

Stellar Lumens, a blockchain network designed for fast and cost-effective transactions, poses a significant threat to Swift's dominance. Its unique ability to interoperate with other blockchains and traditional financial infrastructure via regulated financial institutions (anchors) sets it apart from its competitors. Stellar's focus on cross-border payments makes it a prime candidate to lead the industry.

Stellar Lumens 是一個專為快速且經濟高效的交易而設計的區塊鏈網絡，對 Swift 的主導地位構成了重大威脅。其透過受監管的金融機構（錨點）與其他區塊鏈和傳統金融基礎設施互通的獨特能力使其有別於競爭對手。 Stellar對跨境支付的專注使其成為引領產業的主要候選人。

Hedera: The High-Throughput Challenger

Hedera：高通量挑戰者

Hedera, a high-performance blockchain platform, is rapidly gaining traction in the cross-border payment space. Its ability to accommodate 10,000 transactions per second, coupled with its ultra-low transaction fees, makes it an attractive option for businesses seeking speed and cost efficiency in their international payments.

Hedera 是一個高效能區塊鏈平台，正在跨境支付領域迅速獲得關注。它每秒可處理 10,000 筆交易，加上超低的交易費用，使其成為尋求國際支付速度和成本效率的企業的有吸引力的選擇。

FedNow: The American Contender

FedNow：美國的競爭者

FedNow, an instant payment system launched by the US Federal Reserve in 2023, is making its mark on the cross-border payment landscape. Its instant settlement capability and widespread availability to over 10,000 US financial institutions position it as a formidable competitor within the American market.

FedNow 是聯準會於 2023 年推出的即時支付系統，正在跨境支付領域嶄露頭角。其即時結算能力以及對超過 10,000 家美國金融機構的廣泛支持使其成為美國市場上強大的競爭對手。

The Future of Cross-Border Payments

跨境支付的未來

The cross-border payment industry is at a pivotal juncture, with a plethora of innovative solutions emerging to challenge the status quo. As competition intensifies, businesses and consumers alike will benefit from faster, more cost-effective, and more secure cross-border transactions.

跨境支付產業正處於關鍵時刻，大量創新解決方案不斷湧現，挑戰現狀。隨著競爭的加劇，企業和消費者都將受益於更快、更具成本效益和更安全的跨國交易。

The battle for dominance is far from over, but it is clear that blockchain-based solutions are gaining significant traction. With each player bringing unique strengths to the table, the future of cross-border payments promises to be a dynamic and transformative one.

爭奪主導地位的戰鬥還遠未結束，但顯然基於區塊鏈的解決方案正在獲得巨大的吸引力。隨著每位參與者發揮獨特的優勢，跨國支付的未來有望成為一個充滿活力和變革的未來。