美聯儲正式採用BFT，鞏固XRP，XLM和HBAR在安全付款中的作用

美聯儲正式承認拜占庭容忍度（BFT）共識模型的效率和可擴展性在討論安全付款的研究論文中……

A recent statement by crypto researcher SMQKE has highlighted a significant milestone for digital assets utilizing Byzantine Fault Tolerant (BFT) consensus mechanisms. The Federal Reserve has officially recognized the efficiency, security, and scalability of BFT in a research paper discussing secure payment systems. This acknowledgment reinforces the relevance of digital assets such as XRP, Stellar Lumens (XLM), and Hedera Hashgraph (HBAR), which utilize variations of BFT-based consensus mechanisms.

加密研究員SMQKE的最新聲明強調了使用拜占庭式容錯（BFT）共識機制的數字資產的重要里程碑。美聯儲在討論安全支付系統的研究論文中正式認識到BFT的效率，安全性和可擴展性。這種認可加強了數字資產（例如XRP，恆星流明（XLM）和Hedera Hashgraph（HBAR））的相關性，該資產利用了基於BFT的共識機制的變化。

The Federal Reserve has officially acknowledged the efficiency and scalability of Byzantine Fault Tolerant (BFT) consensus models in a research paper discussing a secure payment… pic.twitter.com/2pJ0j2Nx8U

美聯儲正式承認拜占庭式容錯（BFT）共識模型的效率和可擴展性在討論安全付款的研究論文中……pic.twitter.com/2pj0j2nx8u

— SMQKE (@SMQKEDQG) February 21, 2025

- smqke（@smqkedqg）2025年2月21日

Understanding Byzantine Fault Tolerance (BFT) and Its Importance

了解拜占庭的容忍度（BFT）及其重要性

Byzantine Fault Tolerance (BFT) is a consensus mechanism that ensures a distributed network can function correctly even if some nodes act maliciously or fail to communicate properly. BFT provides high security and reliability, making it an optimal choice for financial transactions that demand efficiency and resilience against attacks or failures.

拜占庭式容錯（BFT）是一種共識機制，即使某些節點惡意起作用或無法正確溝通，分佈式網絡也可以正常運行。 BFT提供了高度的安全性和可靠性，使其成為需要效率和彈性能力的財務交易的最佳選擇。

The Federal Reserve’s recognition of BFT as a preferred model for secure payments is a major validation of its effectiveness over alternative consensus mechanisms like Proof of Work (PoW) and Proof of Stake (PoS). Unlike PoW, which relies on high energy consumption and computational work, or PoS, which bases security on token ownership, BFT achieves consensus through mathematically verified fault tolerance, ensuring faster and more secure transactions.

美聯儲對BFT作為安全付款的首選模型的認可是對其對替代共識機制（如工作證明（POW）和股份證明（POS）等替代共識機制的有效性的主要驗證（POS）。與POW不同，POW依賴於高能消耗和計算工作或POS（在代幣所有權上的安全性）上，BFT通過數學驗證的容錯耐受性來達成共識，從而確保更快，更安全的交易。

XRP, XLM, and HBAR: Leading with BFT Consensus

XRP，XLM和HBAR：以BFT共識領先

The research further underscores the importance of BFT-based digital assets in future payment infrastructures. XRP, XLM, and HBAR all employ variations of Byzantine Fault Tolerance:

該研究進一步強調了基於BFT的數字資產在未來支付基礎架構中的重要性。 XRP，XLM和HBAR均採用拜占庭容錯的變化：

XRP Ledger (XRPL) utilizes the Federated Consensus Model, a form of BFT that allows validators to agree on transactions without requiring mining or extensive computational power. This ensures high-speed, low-cost cross-border payments.

XRP Ledger（XRPL）利用聯合共識模型，這是BFT的一種形式，允許驗證者就交易達成協議而無需採礦或廣泛的計算能力。這樣可以確保高速，低成本的跨境支付。

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Stellar (XLM) operates on the Stellar Consensus Protocol (SCP), a Federated Byzantine Agreement (FBA) model that prioritizes security and efficiency in financial transactions.

Stellar（XLM）以恆星共識協議（SCP）為基礎，該協議是一個聯合的拜占庭協議（FBA）模型，優先考慮金融交易的安全性和效率。

Hedera Hashgraph (HBAR) employs the Hashgraph consensus algorithm, which combines gossip protocol with asynchronous Byzantine Fault Tolerance (aBFT), ensuring high scalability and low latency.

HEDERA HASHGRAPH（HBAR）採用了哈希圖共識算法，該算法將八卦協議與異步拜占庭式偏離容忍度（ABFT）結合在一起，確保高延遲性和低延遲。

The images provided by SMQKE further illustrate the technical distinctions between blockchain-based and Hashgraph-based consensus models. In particular, the Hedera Hashgraph diagram emphasizes how aBFT produces the highest level of security for distributed networks while maintaining efficiency.

SMQKE提供的圖像進一步說明了基於區塊鍊和基於哈希圖的共識模型之間的技術區別。特別是，Hedera Hashgraph圖強調了ABFT如何在保持效率的同時為分佈式網絡產生最高的安全性。

Implications for the Future of Digital Payments

對數字付款未來的影響

One of the most critical takeaways from the Federal Reserve’s research is the implication for the future adoption of these assets in global financial systems. XRP, XLM, and HBAR are not only highly scalable and secure, but they also adhere to the ISO 20022 standard, which is a global messaging format for financial transactions. This compliance positions these assets as ideal candidates for integration into banking and payment networks.

美聯儲研究中最關鍵的收穫之一是對全球金融體系中這些資產的未來採用的影響。 XRP，XLM和HBAR不僅具有高度可擴展性和安全性，而且還遵守ISO 20022標準，這是金融交易的全球消息傳遞格式。這種合規性將這些資產定位為將其集成到銀行和支付網絡中的理想候選人。

Given that the Federal Reserve has identified BFT as the most robust model for securing distributed payments, the potential use of XRP, XLM, and HBAR in institutional and central bank digital currency (CBDC) frameworks becomes increasingly likely. As regulatory clarity improves and financial institutions seek efficient, secure, and interoperable payment solutions, these digital assets could see further institutional adoption.

鑑於美聯儲已將BFT確定為確保分佈式付款的最強大模型，因此在機構和中央銀行數字貨幣（CBDC）框架中，XRP，XLM和HBAR的潛在使用越來越可能。隨著法規清晰度的改善，金融機構尋求高效，安全和可互操作的支付解決方案，這些數字資產可以進一步採用機構。

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