Ripple執行長表示，摩根大通的數位資產存在不足

根據Ripple (XRP) 執行長布拉德·加林豪斯(Brad Garlinghouse) 最近發布的一條推文，由銀行業巨頭摩根大通(JPMorgan Chase) 創建的新推出的JPM Coin 未能符合加密貨幣的核心目的。加林豪斯認為，當今引入封閉網絡類似於網景首次公開募股後推出美國在線，並強調銀行硬幣並不能提供充分的解決方案。

JPMorgan's Digital Asset Misses the Mark, Says Ripple CEO

Ripple執行長表示，摩根大通的數位資產未能達到目標

February 14, 2023 - New York City - Ripple CEO Brad Garlinghouse has expressed skepticism about the recent announcement of JPMorgan Chase's digital asset, JPM Coin, claiming that it "misses the point" of cryptocurrency.

2023 年 2 月 14 日 - 紐約 - Ripple 執行長 Brad Garlinghouse 對摩根大通最近宣布的數位資產 JPM Coin 表示懷疑，聲稱它「沒有抓住加密貨幣的重點」。

In a tweet published on February 14, Garlinghouse stated: "As predicted, banks are changing their tune on crypto. But this JPM project misses the point — introducing a closed network today is like launching AOL after Netscape’s IPO. 2 years later, and bank coins still aren’t the answer."

Garlinghouse 在2 月14 日發布的推文中表示：「正如預測的那樣，銀行正在改變對加密貨幣的態度。但摩根大通的這個項目沒有抓住要點——今天引入封閉網絡就像在Netscape IPO 後推出AOL。兩年後，銀行硬幣仍然不是答案。”

Garlinghouse's comments echo a previous article he authored two years ago, in which he critiqued the prospects of proprietary bank-issued digital coins, which he refers to as "bank coins." In that article, Garlinghouse argued that such projects are misguided and would ultimately lead to "an even more fragmented currency landscape than what we have today."

加林豪斯的評論與他兩年前撰寫的一篇文章相呼應，其中他批評了專有銀行發行的數位硬幣的前景，他將其稱為“銀行硬幣”。在那篇文章中，加林豪斯認為，這類項目是誤導性的，最終將導致「比我們今天所擁有的更分散的貨幣格局」。

"If banks of different digital asset groups want to settle trades with one another, they’ll have to make markets between their unique digital assets or trade between their digital assets and a common fiat currency. What a mess!" Garlinghouse wrote.

“如果不同數位資產組的銀行想要相互結算交易，他們就必須在自己獨​​特的數位資產之間做市，或者在自己的數位資產與通用法定貨幣之間進行交易。真是一團糟！”加林豪斯寫道。

Notably, JPMorgan has stated that JMP Coin will initially be used to facilitate international settlements for major corporations, with the aim of expediting transactions that currently take a day or longer using existing options such as SWIFT. This is a similar application area to that of Ripple, which has openly stated its ambition to replace SWIFT's global interbank network.

值得注意的是，摩根大通表示，JMP Coin 最初將用於促進大公司的國際結算，目的是加快目前使用 SWIFT 等現有選項需要一天或更長時間的交易。這與 Ripple 的應用領域類似，Ripple 曾公開表示其雄心勃勃地要取代 SWIFT 的全球銀行間網路。

In fact, Garlinghouse recently remarked that "what we are doing on a day-to-day basis is in fact taking over SWIFT."

事實上，加林豪斯最近表示，「我們日常所做的事情實際上是接管 SWIFT」。

Industry figures cited in a Bloomberg article suggest that JMP Coin poses a potential threat to Ripple by encroaching on its core market: cross-border payments and remittances for banks and enterprises.

彭博社文章中引用的行業數據表明，JMP Coin 透過蠶食 Ripple 的核心市場（銀行和企業的跨境支付和匯款）對 Ripple 構成潛在威脅。

One expert noted that "JPM’s project is much more evolutionary than revolutionary — it is utilizing a private, permissioned blockchain technology called Quorum, which is much closer to a Google Sheet than a Bitcoin. The project is clearly competing directly with Ripple Labs and their centralized cryptocurrency XRP."

一位專家指出，「摩根大通的計畫與其說是革命性的，不如說是進化性的——它利用了一種名為Quorum 的私有的、經過許可的區塊鏈技術，它更接近Google Sheet，而不是比特幣。

Furthermore, unlike Ripple, JPMorgan Chase has designed JMP Coin as a stablecoin pegged to the U.S. dollar, which some commentators believe could make it more attractive to financial institutions that may be hesitant to use a volatile unit of exchange for settlement and payments.

此外，與Ripple 不同的是，摩根大通將JMP Coin 設計為與美元掛鉤的穩定幣，一些評論人士認為，這可能會使其對那些可能不願使用波動性交易單位進行結算和支付的金融機構更具吸引力。

Garlinghouse's skepticism about JPM Coin is particularly notable given that JPMorgan Chase CEO Jamie Dimon has been a vocal critic of Bitcoin, once famously dismissing it as a "fraud." Dimon later softened his stance in private comments to Cointelegraph at the World Economic Forum last year.

加林豪斯對 JPM Coin 的懷疑尤其值得注意，因為摩根大通執行長 Jamie Dimon 一直直言不諱地批評比特幣，曾經將其斥為「欺詐」。戴蒙後來在去年的世界經濟論壇上向 Cointelegraph 發表私下評論時軟化了自己的立場。

The announcement of JPM Coin represents a significant shift in the banking industry's attitude towards cryptocurrency, but Ripple's CEO believes that bank-issued digital assets ultimately miss the mark in terms of the true potential and purpose of cryptocurrency.

JPM Coin 的宣布代表著銀行業對加密貨幣態度的重大轉變，但 Ripple 執行長認為，銀行發行的數位資產最終未能體現加密貨幣的真正潛力和目的。