反駁神話：XRP從未打算用於銀行

區塊鏈顧問Panos Mekras駁斥了關於XRP的共同神話，稱其從未打算用於銀行。

A blockchain consultant, Panos Mekras, has refuted a common myth regarding XRP.

區塊鏈顧問Panos Mekras駁斥了有關XRP的共同神話。

Key Takeaways:

關鍵要點：

* Blockchain consultant Panos Mekras has debunked a myth about XRP.

*區塊鏈顧問Panos Mekras揭穿了關於XRP的神話。

* He stated that the token was never intended for banks, and Ripple’s creators did not favor traditional financial institutions and middlemen.

*他說，代幣從未打算用於銀行，而Ripple的創作者不喜歡傳統的金融機構和中間商。

* XRPL was created to disrupt the traditional banking system and provide a decentralized platform for transactions.

* XRPL的創建是為了破壞傳統的銀行系統並為交易提供了分散的平台。

Many people (within and outside the XRP community) still believe that XRP was created for banks and cross-border payments. It's a common narrative that has been perpetuated by Bitcoin maximalists and some influencers.

許多人（XRP社區內外）仍然認為，XRP是為銀行和跨境支付創建的。這是一個常見的敘述，它已經被比特幣的最大化主義者和一些有影響力的人永久存在。

In practice, it is just the opposite. XRPL was created to be a superior Bitcoin with faster transactions, built-in tokenization and a decentralized exchange (DEX). It was created for the masses and for enterprises and not for big finance.

實際上，情況恰恰相反。 XRPL是創建的，是一種具有更快交易，內置令牌化和分散交換（DEX）的優質比特幣。它是為群眾和企業而不是大金融的。

XRP was designed by David Schwartz, Arthur Britto, and Jed McCaleb and launched in June of 2012 before there was even a company by the name of Ripple.

XRP是由David Schwartz，Arthur Britto和Jed McCaleb設計的，並於2012年6月推出，甚至還有一家以Ripple的名義的公司。

It was not until months later that Chris Larsen came on board and Ripple Labs Inc. (then OpenCoin) was formed. Day one produced 100 billion tokens and no amount greater possible.

直到幾個月後，克里斯·拉爾森（Chris Larsen）才加入，Ripple Labs Inc.（然後是Opencoin）。第一天產生了1000億個令牌，沒有更多的代幣。

Initially, Ripple Labs did not plan to work with banks or facilitate cross-border payments. They wished to create an open financial system that bypassed traditional gatekeepers like banks, credit card companies, and PayPal. This was about reducing costs, avoiding delayed transactions, and preventing censorship.

最初，Ripple Labs不打算與銀行合作或促進跨境支付。他們希望建立一個開放的財務系統，該系統繞過了銀行，信用卡公司和貝寶等傳統看門人。這是關於降低成本，避免交易延遲並防止審查制度。

When Ripple pivoted to payments in 2014, it was because the DEX ecosystem on the XRPL was doing well. There was over $8 million per day in swaps and payments that we could 100% confirm was real economic activity.

當Ripple在2014年涉及付款時，這是因為XRPL上的DEX生態系統表現良好。我們可以100％確認每天超過800萬美元的掉期和付款是真正的經濟活動。

We wanted to focus on the thing that we felt that we, as a single…

我們想專注於我們認為自己是一個……

But in 2014, Ripple shifted direction and set about to connect with banks. This was not to cater to large financial institutions but to facilitate smaller banks to compete with the large financial institution-owned monopoly of SWIFT.

但是在2014年，Ripple轉移了方向，並開始與銀行建立聯繫。這不是要迎合大型金融機構，而是促進較小的銀行與斯威夫特大型金融機構擁有的壟斷競爭。

As Mekras explained, despite Ripple’s strategic pivot, XRP and XRPL were designed for financial decentralization all along. Even Ripple’s originators did not prefer having centralized parties manage transactions.

正如Mekras所解釋的那樣，儘管Ripple的戰略樞紐，XRP和XRPL始終設計用於財務分散。即使是Ripple的發起人也不喜歡讓集中式各方管理交易。

David Schwartz’s own experience of having been banned by PayPal was part of what motivated XRPL’s development. The vision was to give users total control of funds without interference by corporations.

大衛·施瓦茨（David Schwartz）被貝寶（Paypal）禁止的經驗是XRPL發展的一部分。願景是為用戶完全控制資金而不會受到公司干擾。

Today, the token remains a tool for decentralization and financial empowerment. While Ripple has been working with financial institutions to implement it, the founding vision of XRPL remains: tearing down financial walls and returning control to people.Related Reading: TON Foundation Secures $400 Million Investment from Leading Venture Capital Firms

如今，令牌仍然是權力下放和財務授權的工具。儘管Ripple一直與金融機構合作實施該機構，但XRPL的創始願景仍然存在：拆除財務牆並將控制權返回到人民。