儘管Ripple首席執行官布拉德·加林豪斯（Brad Garlinghouse

即使在Ripple首席執行官Brad Garlinghouse分享了他對Ripple將如何與Swift競爭的看法，XRP本周也停滯不前。

Ripple (XRP) price stalled this week even after CEO Brad Garlinghouse shared his optimistic views on how Ripple will compete with SWIFT.

即使在首席執行官布拉德·加林豪斯（Brad Garlinghouse）分享了他對Ripple將如何與Swift競爭的樂觀觀點之後，Ripple（XRP）的價格在本週停滯不前。

In an interview on Tuesday with Fox Business host Maria Bartiromo, Garlinghouse said he was confident that Ripple would become a viable rival to SWIFT over time.

加林豪斯（Garlinghouse）在周二與福克斯商業主持人瑪麗亞·巴蒂羅莫（Maria Bartiromo）的採訪中說，他有信心隨著時間的流逝，波紋會成為迅速的可行競爭對手。

“SWIFT has been around for 50-plus years. It’s a cooperative, a collective, and it’s time for it to be disrupted,” Garlinghouse stated.

加林豪斯說：“斯威夫特已經存在50多年了。這是一個合作社，一個集體的人，現在是時候被干擾了。”

SWIFT, or the Society for Worldwide Interbank Financial Telecommunication, is a messaging service used by banks and other financial institutions globally to process cross-border payments. The collective handles over $150 trillion in transactions yearly.

Swift或Bank Inter Bank Financial Telecommunication協會是銀行和全球其他金融機構使用的消息服務，以處理跨境支付。集體每年處理超過150萬億美元的交易。

But despite its vast scale, SWIFT is often slow and time-consuming. While transaction speeds have improved in recent years, it is still common for SWIFT transfers to take days to complete.

但是，儘管尺寸很大，但Swift通常很慢且耗時。儘管近年來交易速度有所提高，但Swift Transfers花費幾天的時間仍然很常見。

In contrast, Ripple’s technology boasts transaction times of less than five minutes and minimal fees, typically just a few cents per transaction.

相比之下，Ripple的技術擁有不到五分鐘的交易時間，費用最少，通常每筆交易只有幾美分。

The company uses a technology known as on-demand liquidity, which involves converting a local currency to XRP, transferring it to another country, and converting it into the local currency. Transactions can also be made without using XRP, which is known for its volatility.

該公司使用一種稱為按需流動性的技術，該技術涉及將當地貨幣轉換為XRP，將其轉移到另一個國家並將其轉換為當地貨幣。也可以不使用XRP進行交易，該XRP以其波動性而聞名。

“[It can be done] without needing a stablecoin, although we think Ripple USD will be a key part of the ecosystem,” Garlinghouse explained.

Garlinghouse解釋說：“ [可以做到]而不需要穩定的coin，儘管我們認為Ripple USD將是生態系統的關鍵部分。”

Still, Ripple has a long way to go to catch up with SWIFT, which has partnerships with over 11,000 banks. According to Garlinghouse, the recent conclusion of the Ripple vs SEC case will help Ripple onboard more American banks that handle trillions in payments annually.

不過，Ripple還有很長的路要走要趕上Swift，Swift與11,000多家銀行建立了合作夥伴關係。根據加林豪斯（Garlinghouse）的說法，Ripple vs SEC案的最新結論將有助於在每年處理數万億美元付款的美國銀行上的波紋。

He noted that Ripple signed up more U.S. banks and payment companies in the six weeks after Donald Trump’s election than in the previous six months combined.

他指出，在唐納德·特朗普（Donald Trump）當選後的六個星期內，Ripple簽署了更多的美國銀行和支付公司，而不是前六個月的總和。

However, Ripple’s business in the U.S. largely stagnated after the SEC launched its lawsuit against the company in 2020. As a result, most of its partnering institutions were from abroad, especially in Japan.

但是，在美國證券交易委員會（SEC）於2020年發起針對該公司的訴訟之後，Ripple在美國的業務在很大程度上停滯不前。結果，其大多數合作機構來自國外，尤其是在日本。

“We couldn't go and sign up U.S. banks and payment companies while the SEC was trying to shut us down,” said Garlinghouse.

Garlinghouse說：“當SEC試圖關閉我們時，我們無法簽約美國銀行和付款公司。”

The case, which unfolded over three years, saw the SEC accuse Ripple of selling unregistered securities to raise $1.3 billion. The agency's actions effectively barred U.S. institutions from working with Ripple.

該案在三年內展開了，SEC指責出售未註冊的證券以籌集13億美元。該機構的行動有效地禁止美國機構與Ripple合作。

But in July, Judge Analisa Torres ruled in favor of Ripple, finding that the company's sales of XRP to institutional investors did not constitute an offering of securities.

但是在7月，Analisa Torres法官裁定支持Ripple，發現該公司向機構投資者的XRP銷售並不構成證券的發行。

The decision sparked a rally in the XRP token, which is currently trading at $2.40.

該決定在XRP令牌中引發了集會，目前交易價格為2.40美元。

XRP price technical analysis

XRP價格技術分析

On the daily chart, the XRP token has formed a head and shoulders pattern, which could risk a drop to $1. However, the weekly chart shows that the coin has formed a break-and-retest pattern by moving to $1.9666, its highest swing in 2021.

在每日圖表上，XRP令牌形成了頭部和肩膀的模式，可能會降至1美元。但是，每週圖表表明，硬幣已通過移動到1.9666美元（在2021年的最高揮桿）形成了重新觀察模式。

It has also moved above the 50-week and 100-week moving averages, and it is forming a bullish pennant chart pattern, which is characterized by a tall vertical line and a symmetrical triangle.

它還在50周和100週的移動平均值上移動，並且形成了看漲的五角旗圖圖案，其特徵是高高的垂直線和對稱的三角形。

Therefore, more gains will be confirmed above the resistance at $3, which represents the shoulders of the head and shoulders pattern. A move above that level will raise the odds of the coin rising to $5.

因此，將在電阻上以3美元的價格確認更多收益，這代表了頭部和肩膀的肩膀。超過該水平的舉動將使硬幣上升的機率提高到5美元。

This move will be possible if the lower support at $1.966 holds. A drop below that level will invalidate the bullish view.

如果較低的支撐額為1.966美元，則可以做到這一舉動。低於該水平的下降將使看漲視圖無效。