今天，在XRP新聞中，我們有一個重大的發展與Ripple在國際付款中的作用有關。邁克爾·阿靈頓（Michael Arrington）

Ripple首席執行官Brad Garlinghouse在最近的一次採訪中闡明了XRP令牌如何改善和替換Swift系統。此外，當我們比較XRP與Swift時，我們發現了波紋支付系統可以提供的顯著增強功能。

Today in XRP news, we have a significant development related to Ripple’s role in international payments. In a recent interview, Ripple CEO Brad Garlinghouse highlighted how the XRP token can be used to improve and replace the SWIFT system. As we compare XRP vs SWIFT, we find significant enhancements which the Ripple payment system can provide.

今天，在XRP新聞中，我們有一個重大的發展與Ripple在國際付款中的作用有關。 Ripple首席執行官Brad Garlinghouse在最近的一次採訪中強調瞭如何使用XRP令牌來改進和替換Swift系統。當我們比較XRP與Swift時，我們發現了波紋支付系統可以提供的顯著增強功能。

XRP vs. SWIFT: The Battle of Old Tech vs. Digital Innovation

XRP與Swift：舊技術戰役與數字創新

XRP與Swift：舊技術戰役與數字創新

One of the main comparisons that comes to mind is the age of each system and its modernity. Every year we see an innovation in the finance sector, so a new system makes a big difference. An age comparison between XRP SWIFT shows XRP with only 13 years as the obvious choice rather than the 51-year-old SWIFT.

想到的主要比較之一是每個系統的年齡及其現代性。每年我們都會看到金融領域的創新，因此新系統會有很大的不同。 XRP Swift之間的年齡比較顯示XRP僅是13歲，這是一個明顯的選擇，而不是51歲的Swift。

Likely because of this age and lack of updates, this system does not fit the current digital economy. SWIFT, which stands for the Society for Worldwide Interbank Financial Telecommunication, has become obsolete. There are also rumors that Ripple will be adding to and upgrading this system instead of replacing it.

可能由於這個年齡和缺乏更新，該系統不符合當前的數字經濟。斯威夫特（Swift）代表全球範圍內財務電信協會，已經過時了。還有謠言說，波紋會增加併升級該系統，而不是更換它。

On the other hand, the Ripple payment system has been built to enhance digital finance. This system uses the XRP token to facilitate international payments, placing itself in the center of the digital economy. Additionally, this system is growing and being updated daily, which turns it into a near-limitless solution. One example is the recent introduction of its RLUSD, which makes transactions even more straightforward and simple.

另一方面，波紋支付系統是為了增強數字融資而建立的。該系統使用XRP令牌來促進國際付款，將自己置於數字經濟的中心。此外，該系統每天都在增長和更新，這將其變成了幾乎無限制的解決方案。一個例子是最近引入其RLUSD，這使交易變得更加簡單，簡單。

Additionally, this system delivers high-speed transactions while charging small fees. As such, thousands of financial institutions are already looking for a more efficient replacement for SWIFT.

此外，該系統在收取少量費用的同時提供高速交易。因此，成千上萬的金融機構已經在尋找更有效的Swift替代品。

A Speed Test Between SWIFT and Ripple

Swift和Ripple之間的速度測試

Swift和Ripple之間的速度測試

To give a direct comparison between the two payment systems, we should take a detailed look. First, to compare XRP SWIFT speed, we can see that XRP comes out as the clear winner. Ripple payment system takes only seconds to process any transaction of any size, while SWIFT takes 1 to 5 business days.

為了在兩個付款系統之間進行直接比較，我們應該詳細介紹一下。首先，為了比較XRP Swift速度，我們可以看到XRP成為清晰的贏家。波紋支付系統僅需幾秒鐘即可處理任何規模的任何交易，而Swift需要1到5個工作日。

Additionally, the settling times for the SWIFT system can be even longer based on various variables. For instance, time zones, intermediary banks, and currency conversion can create even further delays.

此外，根據各種變量，Swift系統的結算時間甚至更長。例如，時區，中間銀行和貨幣轉換可以創造進一步的延遲。

Cost of Transanctions: XRP’s Pennies vs. SWIFT’s Pile-Up

Transancions的成本：XRP的便士與Swift的堆積

Transancions的成本：XRP的便士與Swift的堆積

The next feature we need to compare between XRP SWIFT payment systems is their fees and additional costs. XRP payments usually only take small predetermined fees. For example, Michael Arrington transferred $50 million with a $0.30 fee.

我們需要在XRP Swift支付系統之間進行比較的下一個功能是它們的費用和額外費用。 XRP付款通常僅收取小預定費用。例如，邁克爾·阿靈頓（Michael Arrington）以0.30美元的費用轉讓了5000萬美元。

When we take a look at how much SWIFT transactions can cost in fees, we can see a significant problem. This is because even calculating such fees for SWIFT is complex and frustrating.

當我們看一下迅速交易的費用時，我們會看到一個重大問題。這是因為即使計算Swift的此類費用也很複雜而令人沮喪。

For example, each sending or receiving bank has its own fees, which are dependent on the country and corporate policy. Additionally, there could be intermediary banks involved, which also have varied fees. There are also additional fees charged based on the complexity of a service. For example, if the client wants to cancel the transaction or recover it, each bank can charge varied fees. Finally, there are also exchange fees if you change currencies; you will be charged a percentage or predetermined amount.

例如，每個發送或接收銀行都有自己的費用，這些費用取決於國家和公司政策。此外，還可能涉及中介銀行，這也有多種費用。根據服務的複雜性，還會收取額外的費用。例如，如果客戶要取消交易或恢復交易，則每個銀行都可以收取各種費用。最後，如果您更換貨幣，也有交換費。您將被收取百分比或預定金額。

The post XRP vs. SWIFT: A Comparative Analysis of Two Payment Systems appeared first on Tokenopedia.

XRP帖子與Swift：對兩個支付系統的比較分析首先出現在Tokenopedia上。