Mastercard和Ripple（XRP）謠傳合作夥伴關係並沒有許多人認為

MasterCard與Ripple（XRP）之間建立主要夥伴關係的謠言最近點燃了加密貨幣空間。

Rumors of a major partnership between MasterCard and Ripple (XRP) recently lit up the crypto space, fueling speculation that XRP was finally being integrated into global payment rails. But did MasterCard really partner with Ripple? The short answer: yes—but not in the way many think.

關於萬事達卡與波紋（XRP）之間建立主要夥伴關係的謠言最近點燃了加密貨幣空間，這激發了人們猜測XRP終於被整合到全球支付軌道中。但是萬事達卡真的與Ripple合作了嗎？簡短的答案：是的 - 但不是許多人思考的方式。

While MasterCard has worked with Ripple in limited capacities, particularly in blockchain pilots and digital identity services, XRP itself has not been integrated into MasterCard’s core cross-border payment solutions.

儘管萬事達卡（MasterCard）曾在有限的能力上與Ripple合作，尤其是在區塊鏈飛行員和數字身份服務方面，但XRP本身尚未集成到MasterCard的核心跨境支付解決方案中。

This story sits at the crossroads of two financial revolutions: the rise of blockchain and the modernization of traditional banking systems. As such, it’s crucial to separate fact from fiction.

這個故事位於兩項財務革命的十字路口：區塊鏈的興起和傳統銀行系統的現代化。因此，將事實與小說分開至關重要。

Key highlights:

關鍵亮點：

What sparked the rumor?

是什麼引發了謠言？

The rumor mill went into overdrive in late September 2024 when posts claiming a MasterCard-Ripple partnership began circulating online. Crypto influencers and XRP enthusiasts quickly picked up on the story, sharing bold headlines and speculative tweets that hinted at a groundbreaking collaboration.

謠言工廠於2024年9月下旬越來越多，當時聲稱萬事達卡 - 皇家合作夥伴關係開始流傳在線。加密影響者和XRP愛好者很快就扮演了這個故事，分享了大膽的頭條新聞和投機推文暗示了一項開創性的合作。

The buzz centered around the idea that Ripple’s blockchain, powered by XRP, would soon become a key part of the SWIFT infrastructure through MasterCard’s initiatives. For many, this symbolized the ultimate validation: one of the world’s biggest payment networks embracing a cryptocurrency that has long positioned itself as a SWIFT alternative.

嗡嗡聲圍繞著由XRP提供支持的Ripple區塊鏈很快通過MasterCard的計劃成為Swift基礎架構的關鍵部分。對於許多人來說，這象徵著最終的驗證：世界上最大的支付網絡之一擁抱了一種加密貨幣，長期以來一直將自己定位為迅速的選擇。

The timing added fuel to the fire. Just days ago, Mastercard rolled out its Crypto Credential initiative—an effort to simplify crypto transactions—and many took that as further evidence of deep integration with Ripple and XRP.

時機為火增加了燃料。就在幾天前，萬事達卡推出了其加密憑證倡議，這是一項簡化加密交易的努力，許多人將其作為與Ripple和XRP進行深入整合的進一步證據。

But as I’ll explain next, while there is some truth behind these headlines, the actual collaboration looks quite different than what the internet hype would have you believe.

但是，正如我接下來要解釋的那樣，儘管這些頭條新聞背後有一些真相，但實際的合作看起來與互聯網炒作所相信的完全不同。

The confirmed collaboration — What’s true

確認的合作 - 是真的

While the XRP integration rumors may have gotten ahead of themselves, there is some substance behind the excitement. Mastercard has indeed partnered with Ripple in select blockchain initiatives—but the scope is narrower and more experimental than many assumed.

雖然XRP綜合謠言可能已經擺脫困境，但興奮背後有一些實質。 MasterCard確實與Ripple合作，參與了精選區塊鏈計劃，但是范圍比許多人假設的範圍更窄，實驗性更大。

Earlier this year, for instance, Mastercard teamed up with Ripple to streamline digital identity solutions, potentially tying into Mastercard’s broader efforts to simplify cryptocurrency transactions through its Crypto Credentials service. This partnership showcases that Mastercard is open to working with blockchain-native players like Ripple—especially when it comes to emerging technologies.

例如，今年早些時候，萬事達卡與Ripple合作，以簡化數字身份解決方案，有可能與MasterCard通過其加密憑證服務簡化加密貨幣交易的更廣泛的努力。這種合作夥伴關係表明，萬事達卡願意與像Ripple這樣的區塊鏈本地玩家合作，尤其是在新興技術方面。

These partnerships also highlight XRP’s growing number of use cases. For instance, earlier this year, Ripple partnered with the U.S. Department of the Treasury to integrate U.S. Treasuries with the XRP Ledger. This initiative aims to introduce more efficient and cost-effective cross-border payment methods, which could dovetail nicely with Mastercard’s own ventures in the same domain.

這些合作夥伴關係還強調了XRP越來越多的用例。例如，今年早些時候，Ripple與美國財政部合作，將美國國債與XRP Ledger融為一體。該計劃旨在引入更高效，更具成本效益的跨境支付方法，這可以與Mastercard自己在同一領域中的合資企業很好地搭配。

However, not all of Mastercard’s innovations are built on XRP. In fact, one of its biggest cross-border solutions has gone in a different direction entirely.

但是，並非所有萬事達卡的創新都建立在XRP上。實際上，其最大的跨境解決方案之一完全朝著不同的方向發展。

The confusing twist — What was left out

令人困惑的扭曲 - 遺漏了

Just as the Ripple community was riding the high of good news, Mastercard unveiled a major development that threw cold water on the XRP hype. At the Sibos 2024 conference in Beijing, Mastercard announced its new Move Commercial Payments solution.

正如Ripple社區騎著好消息一樣，MasterCard推出了一項重大發展，將冷水投入了XRP炒作。在北京舉行的Sibos 2024會議上，萬事達卡宣布了其新的行動商業支付解決方案。

This platform is designed to modernize commercial cross-border payments—a space where Ripple has long aimed to shine. Move promises near real-time settlement, improved liquidity options, reduced counterparty risks, and advanced fraud analytics. In many ways, it addresses the exact inefficiencies that Ripple’s XRP Ledger was built to solve.

該平台旨在使商業跨境支付現代化，這是波紋長期以來旨在發光的空間。移動承諾接近實時和解，改善的流動性選擇，降低對手風險和高級欺詐分析。在許多方面，它解決了Ripple的XRP Ledger旨在解決的確切效率低下。

But here’s the twist: XRP isn’t part of it.

但這是扭曲：XRP不是其中的一部分。

Despite Ripple’s proven technology and past collaboration with Mastercard, the Move solution is built on Mastercard’s existing SWIFT infrastructure and traditional correspondent banking networks. Instead of tapping into blockchain-native assets like XRP, Mastercard chose to enhance legacy systems—offering banks a solution that integrates easily into their current operations with minimal disruption.

儘管Ripple經過驗證的技術和過去與萬事達卡的合作，但MOVE解決方案還是建立在MasterCard現有的Swift基礎架構和傳統的通訊銀行網絡上的。 MasterCard沒有選擇像XRP這樣的區塊鏈本地資產，而是選擇增強遺產系統，為銀行提供一種解決方案，該解決方案可以輕鬆地集成到其當前的運營中，並以最小的破壞。

This strategic decision left many XRP supporters scratching their heads. Why would Mastercard work with Ripple on pilot programs and digital identity projects, only to exclude XRP from its most significant cross-border payments rollout?

這一戰略決定使許多XRP支持者撓頭。為什麼萬事達卡在試點計劃和數字身份項目上使用Ripple工作，只是將XRP排除在其最重要的跨境支付推出之外？

The answer likely lies in practicality: for many banks and financial institutions, staying within the familiar SWIFT framework is less risky and easier to implement than fully adopting decentralized technologies. While it may seem like a missed opportunity, Mastercard’s move is a part of a broader trend—large institutions often prefer incremental upgrades over revolutionary overhauls.

答案可能在於實用性：對於許多銀行和金融機構而言，在熟悉的Swift框架內留在熟悉的Swift框架內的風險和更容易實施，而不是完全採用分散的技術。雖然這似乎是一個錯過的機會，但萬事達卡的舉動是更廣泛的趨勢的一部分 - 較大的機構通常更喜歡漸進的升級而不是革命性的大修。

This explains why, despite the hype surrounding a partnership with Ripple and the integration of XRP, Mastercard's strategy might be unfolding in a way that keeps the legacy financial system in mind.

這解釋了為什麼儘管圍繞與Ripple建立合作夥伴關係以及XRP的整合，但Mastercard的策略可能以牢記傳統財務系統的方式展開。

Strategic divergence: Two different visions

戰略分歧：兩種不同的景象

The Mastercard-Ripple story isn’t just about whether XRP was included in a payments system—it’s about two fundamentally different visions for the future of finance.

萬事達卡 - 紋章的故事不僅僅是XRP是否包含在付款系統中，這對於財務的未來來說是兩個根本不同的願景。

On one side, Ripple boasts a disruptive, blockchain-native approach. The XRP Ledger was designed to eliminate traditional banking bottlenecks by removing middlemen, reducing costs, and enabling near-instant settlements. In essence, it's a new generation of the SWIFT system, optimized for speed, efficiency, and a tokenized economy.

在一側，Ripple擁有一種破壞性的區塊鏈本地方法。 XRP Ledger旨在通過消除中間商，降低成本並實現近乎固有的定居點來消除傳統的銀行瓶頸。從本質上講，這是新一代的Swift系統，針對速度，效率和令牌經濟進行了優化。