Mastercard和Ripple（XRP）谣传合作伙伴关系并没有许多人认为

MasterCard与Ripple（XRP）之间建立主要伙伴关系的谣言最近点燃了加密货币空间。

Rumors of a major partnership between MasterCard and Ripple (XRP) recently lit up the crypto space, fueling speculation that XRP was finally being integrated into global payment rails. But did MasterCard really partner with Ripple? The short answer: yes—but not in the way many think.

关于万事达卡与波纹（XRP）之间建立主要伙伴关系的谣言最近点燃了加密货币空间，这激发了人们猜测XRP终于被整合到全球支付轨道中。但是万事达卡真的与Ripple合作了吗？简短的答案：是的 - 但不是许多人思考的方式。

While MasterCard has worked with Ripple in limited capacities, particularly in blockchain pilots and digital identity services, XRP itself has not been integrated into MasterCard’s core cross-border payment solutions.

尽管万事达卡（MasterCard）曾在有限的能力上与Ripple合作，尤其是在区块链飞行员和数字身份服务方面，但XRP本身尚未集成到MasterCard的核心跨境支付解决方案中。

This story sits at the crossroads of two financial revolutions: the rise of blockchain and the modernization of traditional banking systems. As such, it’s crucial to separate fact from fiction.

这个故事位于两项财务革命的十字路口：区块链的兴起和传统银行系统的现代化。因此，将事实与小说分开至关重要。

Key highlights:

关键亮点：

What sparked the rumor?

是什么引发了谣言？

The rumor mill went into overdrive in late September 2024 when posts claiming a MasterCard-Ripple partnership began circulating online. Crypto influencers and XRP enthusiasts quickly picked up on the story, sharing bold headlines and speculative tweets that hinted at a groundbreaking collaboration.

谣言工厂于2024年9月下旬越来越多，当时声称万事达卡 - 皇家合作伙伴关系开始流传在线。加密影响者和XRP爱好者很快就扮演了这个故事，分享了大胆的头条新闻和投机推文暗示了一项开创性的合作。

The buzz centered around the idea that Ripple’s blockchain, powered by XRP, would soon become a key part of the SWIFT infrastructure through MasterCard’s initiatives. For many, this symbolized the ultimate validation: one of the world’s biggest payment networks embracing a cryptocurrency that has long positioned itself as a SWIFT alternative.

嗡嗡声围绕着由XRP提供支持的Ripple区块链很快通过MasterCard的计划成为Swift基础架构的关键部分。对于许多人来说，这象征着最终的验证：世界上最大的支付网络之一拥抱了一种加密货币，长期以来一直将自己定位为迅速的选择。

The timing added fuel to the fire. Just days ago, Mastercard rolled out its Crypto Credential initiative—an effort to simplify crypto transactions—and many took that as further evidence of deep integration with Ripple and XRP.

时机为火增加了燃料。就在几天前，万事达卡推出了其加密凭证倡议，这是一项简化加密交易的努力，许多人将其作为与Ripple和XRP进行深入整合的进一步证据。

But as I’ll explain next, while there is some truth behind these headlines, the actual collaboration looks quite different than what the internet hype would have you believe.

但是，正如我接下来要解释的那样，尽管这些头条新闻背后有一些真相，但实际的合作看起来与互联网炒作所相信的完全不同。

The confirmed collaboration — What’s true

确认的合作 - 是真的

While the XRP integration rumors may have gotten ahead of themselves, there is some substance behind the excitement. Mastercard has indeed partnered with Ripple in select blockchain initiatives—but the scope is narrower and more experimental than many assumed.

虽然XRP综合谣言可能已经摆脱困境，但兴奋背后有一些实质。 MasterCard确实与Ripple合作，参与了精选区块链计划，但是范围比许多人假设的范围更窄，实验性更大。

Earlier this year, for instance, Mastercard teamed up with Ripple to streamline digital identity solutions, potentially tying into Mastercard’s broader efforts to simplify cryptocurrency transactions through its Crypto Credentials service. This partnership showcases that Mastercard is open to working with blockchain-native players like Ripple—especially when it comes to emerging technologies.

例如，今年早些时候，万事达卡与Ripple合作，以简化数字身份解决方案，有可能与MasterCard通过其加密凭证服务简化加密货币交易的更广泛的努力。这种合作伙伴关系表明，万事达卡愿意与像Ripple这样的区块链本地玩家合作，尤其是在新兴技术方面。

These partnerships also highlight XRP’s growing number of use cases. For instance, earlier this year, Ripple partnered with the U.S. Department of the Treasury to integrate U.S. Treasuries with the XRP Ledger. This initiative aims to introduce more efficient and cost-effective cross-border payment methods, which could dovetail nicely with Mastercard’s own ventures in the same domain.

这些合作伙伴关系还强调了XRP越来越多的用例。例如，今年早些时候，Ripple与美国财政部合作，将美国国债与XRP Ledger融为一体。该计划旨在引入更高效，更具成本效益的跨境支付方法，这可以与Mastercard自己在同一领域中的合资企业很好地搭配。

However, not all of Mastercard’s innovations are built on XRP. In fact, one of its biggest cross-border solutions has gone in a different direction entirely.

但是，并非所有万事达卡的创新都建立在XRP上。实际上，其最大的跨境解决方案之一完全朝着不同的方向发展。

The confusing twist — What was left out

令人困惑的扭曲 - 遗漏了

Just as the Ripple community was riding the high of good news, Mastercard unveiled a major development that threw cold water on the XRP hype. At the Sibos 2024 conference in Beijing, Mastercard announced its new Move Commercial Payments solution.

正如Ripple社区骑着好消息一样，MasterCard推出了一项重大发展，将冷水投入了XRP炒作。在北京举行的Sibos 2024会议上，万事达卡宣布了其新的行动商业支付解决方案。

This platform is designed to modernize commercial cross-border payments—a space where Ripple has long aimed to shine. Move promises near real-time settlement, improved liquidity options, reduced counterparty risks, and advanced fraud analytics. In many ways, it addresses the exact inefficiencies that Ripple’s XRP Ledger was built to solve.

该平台旨在使商业跨境支付现代化，这是波纹长期以来旨在发光的空间。移动承诺接近实时和解，改善的流动性选择，降低对手风险和高级欺诈分析。在许多方面，它解决了Ripple的XRP Ledger旨在解决的确切效率低下。

But here’s the twist: XRP isn’t part of it.

但这是扭曲：XRP不是其中的一部分。

Despite Ripple’s proven technology and past collaboration with Mastercard, the Move solution is built on Mastercard’s existing SWIFT infrastructure and traditional correspondent banking networks. Instead of tapping into blockchain-native assets like XRP, Mastercard chose to enhance legacy systems—offering banks a solution that integrates easily into their current operations with minimal disruption.

尽管Ripple经过验证的技术和过去与万事达卡的合作，但MOVE解决方案还是建立在MasterCard现有的Swift基础架构和传统的通讯银行网络上的。 MasterCard没有选择像XRP这样的区块链本地资产，而是选择增强遗产系统，为银行提供一种解决方案，该解决方案可以轻松地集成到其当前的运营中，并以最小的破坏。

This strategic decision left many XRP supporters scratching their heads. Why would Mastercard work with Ripple on pilot programs and digital identity projects, only to exclude XRP from its most significant cross-border payments rollout?

这一战略决定使许多XRP支持者挠头。为什么万事达卡在试点计划和数字身份项目上使用Ripple工作，只是将XRP排除在其最重要的跨境支付推出之外？

The answer likely lies in practicality: for many banks and financial institutions, staying within the familiar SWIFT framework is less risky and easier to implement than fully adopting decentralized technologies. While it may seem like a missed opportunity, Mastercard’s move is a part of a broader trend—large institutions often prefer incremental upgrades over revolutionary overhauls.

答案可能在于实用性：对于许多银行和金融机构而言，在熟悉的Swift框架内留在熟悉的Swift框架内的风险和更容易实施，而不是完全采用分散的技术。虽然这似乎是一个错过的机会，但万事达卡的举动是更广泛的趋势的一部分 - 较大的机构通常更喜欢渐进的升级而不是革命性的大修。

This explains why, despite the hype surrounding a partnership with Ripple and the integration of XRP, Mastercard's strategy might be unfolding in a way that keeps the legacy financial system in mind.

这解释了为什么尽管围绕与Ripple建立合作伙伴关系以及XRP的整合，但Mastercard的策略可能以牢记传统财务系统的方式展开。

Strategic divergence: Two different visions

战略分歧：两种不同的景象

The Mastercard-Ripple story isn’t just about whether XRP was included in a payments system—it’s about two fundamentally different visions for the future of finance.

万事达卡 - 纹章的故事不仅仅是XRP是否包含在付款系统中，这对于财务的未来来说是两个根本不同的愿景。

On one side, Ripple boasts a disruptive, blockchain-native approach. The XRP Ledger was designed to eliminate traditional banking bottlenecks by removing middlemen, reducing costs, and enabling near-instant settlements. In essence, it's a new generation of the SWIFT system, optimized for speed, efficiency, and a tokenized economy.

在一侧，Ripple拥有一种破坏性的区块链本地方法。 XRP Ledger旨在通过消除中间商，降低成本并实现近乎固有的定居点来消除传统的银行瓶颈。从本质上讲，这是新一代的Swift系统，针对速度，效率和令牌经济进行了优化。