XRP不僅僅是另一個數字資產，還提供了這一理論的證明

隨著XRP繼續與市場的其餘部分一起掙扎，社區驅動的帳戶“萬物XRP”背後的專家懇請市場參與者關注資產

A pundit within the XRP community has presented what he calls proof that the token is more than just another digital asset.

XRP社區中的一個專家提出了他所說的證明，表明令牌不僅僅是另一個數字資產。

As XRP continues to struggle alongside the rest of the market, the pundit behind the community-driven account ‘All Things XRP’ has implored market participants to pay attention to the asset, arguing that it is not just another crypto asset.

隨著XRP繼續與市場的其餘部分一起掙扎，社區驅動的帳戶“萬物”背後的專家懇請市場參與者關注資產，認為這不僅僅是另一個加密資產。

The token, he claimed, is at the center of a financial revolution, with Ripple’s On-Demand Liquidity (ODL) serving as proof of its real-world use. The argument pivots around the inefficiencies of the global payments system and how XRP, through ODL, is fixing these issues.

他聲稱，令牌是金融革命的中心，波紋的按需流動性（ODL）證明了其現實世界中使用的證明。該論點圍繞著全球支付系統的效率低下以及XRP如何解決這些問題旋轉。

The Problem with Cross-Border Payments

跨境支付的問題

According to the pundit, international money transfers are highly inefficient. Transactions can take days to settle, with fees ranging between $25 and $35 per transfer.

根據專家的說法，國際貨幣轉移效率很低。交易可能需要幾天的時間來解決，費用在每次轉會25至35美元之間。

Additionally, traditional financial institutions require pre-funded accounts in multiple currencies, which locks up large amounts of capital that could be used elsewhere. These issues make the system slow, costly, and outdated.

此外，傳統的金融機構需要多種貨幣的預先資助的帳戶，這些貨幣鎖定了可以在其他地方使用的大量資本。這些問題使系統緩慢，昂貴且過時。

In contrast, XRP has set itself up as the key to solving these inefficiencies. The pundit claimed that through ODL (now named Ripple Payments), banks and financial institutions can process transactions in seconds, removing the need for pre-funded accounts while reducing costs.

相比之下，XRP已將自己設置為解決這些效率低下的關鍵。專家們聲稱，通過ODL（現已命名為Ripple Payments），銀行和金融機構可以在幾秒鐘內處理交易，從而消除了對預先資助的帳戶的需求，同時降低了成本。

Investors often view XRP as just another altcoin, but the analyst asserted that this perception is incorrect. Instead of functioning purely as a speculative asset, XRP plays a major role in real-world financial transactions.

投資者經常將XRP視為另一個Altcoin，但分析師斷言這種看法是不正確的。 XRP並非純粹是投機資產，而是在現實世界中的金融交易中起著重要作用。

The claim is that ODL depends on XRP to function, making it a necessary part of the system. However, it is worth noting that Ripple has previously clarified that ODL can be used without XRP.

聲稱ODL取決於XRP的功能，使其成為系統的必要組成部分。但是，值得注意的是，Ripple以前已經澄清了無XRP可以使用ODL。

In past disclosures, the company mentioned some clients use the service without the token due to regulatory constraints or other factors. While XRP remains an integral part of ODL, these disclosures contradict the assertion that XRP is indispensable to the payment product.

在過去的披露中，該公司提到有些客戶由於監管限製或其他因素而沒有令牌。儘管XRP仍然是ODL不可或缺的一部分，但這些披露與XRP對付款產品必不可少的斷言相矛盾。

The main argument supporting XRP’s utility is how ODL processes transactions. To facilitate asset movement, a bank or financial institution first exchanges fiat currency, such as USD, for XRP.

支持XRP實用程序的主要參數是ODL處理交易的方式。為了促進資產運動，銀行或金融機構首先將法定貨幣（例如USD）交換為XRP。

This XRP is then rapidly transferred across the XRP Ledger, ensuring near-instant settlement. Once received, the system converts it back into the recipient’s local currency, like MXN or EUR, eliminating the need for traditional banking intermediaries.

然後，該XRP迅速轉移到XRP分類帳中，以確保近乎固有的沉降。收到後，該系統將其轉換為收件人的本地貨幣，例如MXN或EUR，從而消除了對傳統銀行中介機構的需求。

The institutions that have used or are using ODL, the pundit stated, include MoneyGram, Tranglo, and various banks and fintech companies.

專家表示，使用或正在使用ODL的機構包括Moneygram，Tranglo以及各種銀行和金融科技公司。

However, while MoneyGram previously utilized ODL for cross-border remittances, the company terminated its partnership with Ripple in March 2021. Instead, MoneyGram opted to integrate with Stellar, a competing blockchain payments network.

但是，儘管MoneyGram先前利用ODL進行了跨境匯款，但該公司於2021年3月終止與Ripple的合作夥伴關係。相反，Moneygram選擇與競爭性的區塊鏈付款網絡Stellar集成。

Despite this, the pundit noted that the adoption of ODL continues to grow, with more financial institutions now leveraging the technology. Tranglo, for instance, has been facilitating payments across Asia, and Ripple has forged partnerships with banks worldwide to expand ODL corridors.

儘管如此，專家們指出，ODL的採用仍在不斷增長，現在更多的金融機構利用了這項技術。例如，Tranglo一直在促進整個亞洲的付款，Ripple與全球銀行建立了合作夥伴關係，以擴大ODL走廊。

The growth of ODL will likely have a direct impact on XRP’s value, the analysis added. As more financial institutions integrate ODL into their operations, the use of XRP increases.

分析補充說，ODL的增長可能會直接影響XRP的價值。隨著越來越多的金融機構將ODL整合到其運營中，XRP的使用增加。

This rise in usage fuels greater demand, which in turn drives the token’s value higher. While the pundit failed to present any price targets, others have projected rallies to an audacious $10,000 price.

這種使用的上升促進了更大的需求，這又推動了代幣的價值更高。儘管專家未能提出任何價格目標，但其他人則預計集會以大膽的$ 10,000價格。

However, some like Panos Mekras maintain that ODL will not impact XRP price. Mekras noted this last April, drawing inspiration from a disclosure by Ripple executives, which confirmed that due to its fast payment time, ODL is demand-neutral, neither increasing or decreasing XRP price.

但是，有些像Panos Mekras認為ODL不會影響XRP價格。梅克拉斯（Mekras）於去年4月指出，從波紋高管的披露中汲取了靈感，該披露證實，由於其快速付款時間，ODL是需求中立的，既不增加或下降XRP價格。

Another community pundit, Mickle, believes this argument is flawed, suggesting that ODL does indeed impact XRP price. This debate has lingered within the XRP community.

另一個社區專家米克爾（Mickle）認為這一論點是有缺陷的，這表明ODL確實會影響XRP價格。這場辯論在XRP社區中徘徊。