Ripple首席执行官表示，摩根大通的数字资产存在不足

根据 Ripple (XRP) 首席执行官布拉德·加林豪斯 (Brad Garlinghouse) 最近发布的一条推文，由银行业巨头摩根大通 (JPMorgan Chase) 创建的新推出的 JPM Coin 未能符合加密货币的核心目的。加林豪斯认为，当今引入封闭网络类似于网景首次公开募股后推出美国在线，并强调银行硬币并不能提供充分的解决方案。

JPMorgan's Digital Asset Misses the Mark, Says Ripple CEO

Ripple首席执行官表示，摩根大通的数字资产未能达到目标

February 14, 2023 - New York City - Ripple CEO Brad Garlinghouse has expressed skepticism about the recent announcement of JPMorgan Chase's digital asset, JPM Coin, claiming that it "misses the point" of cryptocurrency.

2023 年 2 月 14 日 - 纽约 - Ripple 首席执行官布拉德·加林豪斯 (Brad Garlinghouse) 对摩根大通最近宣布的数字资产 JPM Coin 表示怀疑，声称它“没有抓住加密货币的重点”。

In a tweet published on February 14, Garlinghouse stated: "As predicted, banks are changing their tune on crypto. But this JPM project misses the point — introducing a closed network today is like launching AOL after Netscape’s IPO. 2 years later, and bank coins still aren’t the answer."

Garlinghouse 在 2 月 14 日发布的推文中表示：“正如预测的那样，银行正在改变对加密货币的态度。但摩根大通的这个项目没有抓住要点——今天引入封闭网络就像在 Netscape IPO 后推出 AOL。两年后，银行硬币仍然不是答案。”

Garlinghouse's comments echo a previous article he authored two years ago, in which he critiqued the prospects of proprietary bank-issued digital coins, which he refers to as "bank coins." In that article, Garlinghouse argued that such projects are misguided and would ultimately lead to "an even more fragmented currency landscape than what we have today."

加林豪斯的评论与他两年前撰写的一篇文章相呼应，其中他批评了专有银行发行的数字硬币的前景，他将其称为“银行硬币”。在那篇文章中，加林豪斯认为，此类项目是误导性的，最终将导致“比我们今天所拥有的更加分散的货币格局”。

"If banks of different digital asset groups want to settle trades with one another, they’ll have to make markets between their unique digital assets or trade between their digital assets and a common fiat currency. What a mess!" Garlinghouse wrote.

“如果不同数字资产组的银行想要相互结算交易，他们就必须在自己独特的数字资产之间做市，或者在自己的数字资产与通用法定货币之间进行交易。真是一团糟！”加林豪斯写道。

Notably, JPMorgan has stated that JMP Coin will initially be used to facilitate international settlements for major corporations, with the aim of expediting transactions that currently take a day or longer using existing options such as SWIFT. This is a similar application area to that of Ripple, which has openly stated its ambition to replace SWIFT's global interbank network.

值得注意的是，摩根大通表示，JMP Coin 最初将用于促进大公司的国际结算，目的是加快目前使用 SWIFT 等现有选项需要一天或更长时间的交易。这与 Ripple 的应用领域类似，Ripple 曾公开表示其雄心勃勃地要取代 SWIFT 的全球银行间网络。

In fact, Garlinghouse recently remarked that "what we are doing on a day-to-day basis is in fact taking over SWIFT."

事实上，加林豪斯最近表示，“我们日常所做的事情实际上是接管 SWIFT”。

Industry figures cited in a Bloomberg article suggest that JMP Coin poses a potential threat to Ripple by encroaching on its core market: cross-border payments and remittances for banks and enterprises.

彭博社文章中引用的行业数据表明，JMP Coin 通过蚕食 Ripple 的核心市场（银行和企业的跨境支付和汇款）对 Ripple 构成潜在威胁。

One expert noted that "JPM’s project is much more evolutionary than revolutionary — it is utilizing a private, permissioned blockchain technology called Quorum, which is much closer to a Google Sheet than a Bitcoin. The project is clearly competing directly with Ripple Labs and their centralized cryptocurrency XRP."

一位专家指出，“摩根大通的项目与其说是革命性的，不如说是进化性的——它利用了一种名为 Quorum 的私有的、经过许可的区块链技术，它更接近于 Google Sheet，而不是比特币。该项目显然是与 Ripple Labs 及其集中化的直接竞争。加密货币瑞波币。”

Furthermore, unlike Ripple, JPMorgan Chase has designed JMP Coin as a stablecoin pegged to the U.S. dollar, which some commentators believe could make it more attractive to financial institutions that may be hesitant to use a volatile unit of exchange for settlement and payments.

此外，与 Ripple 不同的是，摩根大通将 JMP Coin 设计为与美元挂钩的稳定币，一些评论人士认为，这可能会使其对那些可能不愿使用波动性交易单位进行结算和支付的金融机构更具吸引力。

Garlinghouse's skepticism about JPM Coin is particularly notable given that JPMorgan Chase CEO Jamie Dimon has been a vocal critic of Bitcoin, once famously dismissing it as a "fraud." Dimon later softened his stance in private comments to Cointelegraph at the World Economic Forum last year.

加林豪斯对 JPM Coin 的怀疑尤其值得注意，因为摩根大通首席执行官杰米·戴蒙 (Jamie Dimon) 一直直言不讳地批评比特币，曾将其斥为“欺诈”。戴蒙后来在去年的世界经济论坛上向 Cointelegraph 发表私下评论时软化了自己的立场。

The announcement of JPM Coin represents a significant shift in the banking industry's attitude towards cryptocurrency, but Ripple's CEO believes that bank-issued digital assets ultimately miss the mark in terms of the true potential and purpose of cryptocurrency.

JPM Coin 的宣布代表着银行业对加密货币态度的重大转变，但 Ripple 首席执行官认为，银行发行的数字资产最终未能体现加密货币的真正潜力和目的。