Ripple的XRP引起了人們的關注，這是對既定全球金融體系的潛在破壞者

Ripple的目標是利用XRP的獨特功能來解決Swift Legacy系統中存在的效率低下

In the rapidly evolving world of cryptocurrency, Ripple’s XRP has emerged as a subject of interest for its potential to disrupt established financial systems, particularly in the domain of cross-border payments.

在迅速發展的加密貨幣世界中，Ripple的XRP已成為一個令人興趣的主題，因為它可能破壞了已建立的金融系統，尤其是在跨境支付領域。

Presented as a faster and more cost-efficient alternative to SWIFT, the cryptocurrency could be used to streamline transactions between financial institutions.

加密貨幣可作為Swift的更快，更具成本效益的替代品，可用於簡化金融機構之間的交易。

SWIFT, an acronym for the Society for Worldwide Interbank Financial Telecommunication, serves as the communication network through which over 11,000 financial institutions in over 200 countries exchange financial messages. It processes transactions worth over $5 trillion daily, contributing to an annual volume of approximately $1.25 quadrillion.

斯威夫特（Swift）是全球銀行間財務電信協會的首字母縮寫，是通信網絡，通過該網絡，超過200個國家的11,000多個金融機構交換財務信息。它處理價值超過5萬億美元的交易，每年的交易約為12.2.5億美元。

While SWIFT’s infrastructure has been foundational to the global financial system, its reliance on a network of correspondent banks often results in delays, high transaction fees, and a lack of real-time settlement.

儘管Swift的基礎設施是全球金融體系的基礎，但其對通訊銀行網絡的依賴通常會導致延誤，高交易費用以及缺乏實時和解。

In contrast, Ripple offers an alternative through its On-Demand Liquidity (ODL) service, which utilizes XRP as a bridge currency for real-time transactions. RippleNet, Ripple’s payment network, allows for cross-border payments to be settled almost instantly, bypassing the traditional multi-day settlement process employed by SWIFT. By eliminating intermediaries, Ripple aims to offer a more efficient and affordable solution to financial institutions, particularly in emerging markets where access to traditional banking systems is limited.

相比之下，Ripple通過其按需流動性（ODL）服務提供了替代方案，該服務將XRP用作實時交易的橋樑貨幣。 Ripplenet是Ripple的支付網絡，幾乎可以立即解決跨境支付，繞過Swift使用的傳統多日結算過程。通過消除中介機構，Ripple的目標是為金融機構提供更高效，更負擔得起的解決方案，尤其是在進入傳統銀行系統有限的新興市場中。

Some industry observers, including DigitalG, a former London-based fund manager and XRP advocate, have suggested that XRP could replace SWIFT entirely, leading to a significant increase in its value.

一些行業觀察家，包括倫敦前基金經理和XRP倡導者，包括Digitalg提出XRP可以完全取代Swift，從而導致其價值大幅提高。

DigitalG has argued that the asset could exceed $15,000 per token if it were to completely overtake SWIFT’s market share, citing the fact that XRP can be subdivided into smaller units known as “drops,” enabling higher valuations. The scale of this potential shift in the global payments landscape has led to increased speculation on the asset’s future price.

Digitalg認為，如果要完全超過Swift的市場份額，則該資產可能會超過15,000美元，理由是XRP可以將XRP細分為稱為“ Drops”的較小單位，從而實現了更高的估值。全球支付格局的這種潛在轉變的規模導致人們對資產未來價格的猜測增加了。

Key Challenges

關鍵挑戰

However, several critical factors must be considered before XRP can realistically replace SWIFT. One key concern is the scalability of Ripple’s infrastructure. SWIFT processes an enormous volume of transactions each day, and for XRP to fully compete, the XRP Ledger must be capable of handling a similar scale of transactions without compromising reliability.

但是，在XRP可以實際替換Swift之前，必須考慮幾個關鍵因素。一個主要問題是Ripple基礎架構的可伸縮性。 SWIFT每天都有大量的交易，為了使XRP完全競爭，XRP Ledger必須能夠處理類似的交易規模而不會損害可靠性。

Although the XRP Ledger has demonstrated rapid settlement times and efficiency, further advancements in infrastructure and liquidity management are necessary to meet the demands of the global financial system.

儘管XRP分類帳已經顯示出快速的和解時間和效率，但基礎設施和流動性管理的進一步進步對於滿足全球金融體系的需求是必要的。

Additionally, regulatory uncertainty remains a significant hurdle for Ripple and XRP. The company has been engaged in an ongoing legal battle with the U.S. Securities and Exchange Commission (SEC) over the classification of the token. This legal uncertainty has created challenges in terms of institutional adoption, as many investors and financial institutions require regulatory clarity before committing to new technologies. A favorable resolution in Ripple’s legal proceedings could bolster confidence in XRP, making it a more attractive option for adoption by financial institutions worldwide.

此外，調節不確定性仍然是Ripple和XRP的重大障礙。該公司一直在與美國證券交易委員會（SEC）進行有關令牌的分類的持續法律鬥爭。這種法律不確定性在機構採用方面引起了挑戰，因為許多投資者和金融機構都需要監管性清晰度，然後才能實現新技術。 Ripple的法律程序的有利決議可以增強對XRP的信心，這使其成為全球金融機構採用的更具吸引力的選擇。

Industry Support for Token’s Potential

行業支持令牌潛力

Despite these obstacles, Ripple has received significant support from various stakeholders in the financial industry. In 2024, global investment bank Houlihan Lokey recognized Ripple as one of SWIFT’s key competitors, highlighting the advantages of Ripple’s ODL service.

儘管存在這些障礙，但Ripple仍獲得了金融業各個利益相關者的大力支持。 2024年，全球投資銀行Houlihan Lokey承認Ripple是Swift的主要競爭對手之一，強調了Ripple ODL服務的優勢。

Moreover, prominent figures such as Mark Yusko, CEO of Morgan Creek Capital Management, have expressed interest in supporting XRP’s growth if it can achieve mainstream adoption.

此外，摩根溪資本管理公司首席執行官馬克·尤斯科（Mark Yusko）等著名人物表示，如果能夠實現主流採用，則對支持XRP的增長表示興趣。

While the idea of XRP replacing SWIFT is largely speculative at this stage, the cryptocurrency’s unique design and operational advantages position it as a promising alternative in the global payments landscape.

儘管在此階段，XRP取代SWIFT的想法在很大程度上是投機性的，但加密貨幣的獨特設計和運營優勢將其定位為全球支付景觀中的有希望的選擇。

However, for XRP to fully realize its potential, key challenges related to scalability, infrastructure, and regulatory uncertainty must be addressed. If these challenges are overcome, XRP could emerge as a powerful competitor to SWIFT, ushering in a new era of faster, more efficient, and more cost-effective cross-border payments.

但是，要使XRP充分發揮其潛力，必須解決與可伸縮性，基礎設施和監管不確定性有關的關鍵挑戰。如果克服這些挑戰，XRP可能會成為迅速的強大競爭對手，迎來了一個更快，更高效且更具成本效益的跨境支付的新時代。