Rajat Soni 继续对 XRP 感到恐惧，称其为“骗局”，并断言银行永远不会采用它

拥有 10 年经验的金融行业资深人士 Rajat Soni 公开批评 XRP，称其为“骗局”，并断言银行永远不会采用它。

Finance industry veteran Rajat Soni has publicly denounced XRP, labeling it a “scam” and asserting that banks will never integrate it.

金融业资深人士 Rajat Soni 公开谴责 XRP，将其称为“骗局”，并声称银行永远不会整合它。

In a recent tweet, Soni outlined his reasoning for why he believes XRP lacks the qualities necessary to be adopted by financial institutions. According to him, Bitcoin is the true digital currency that will shape the future of finance.

在最近的一条推文中，Soni 概述了他认为 XRP 缺乏被金融机构采用所必需的品质的理由。他认为，比特币是真正的数字货币，将塑造金融的未来。

XRP “Has Centralized Risk”

XRP“具有集中风险”

Soni’s main critique revolves around XRP’s decentralization, arguing that the American payment company Ripple largely controls XRP. Specifically, he pointed out that Ripple owns approximately 50% of the total supply of XRP.

Soni 的主要批评围绕 XRP 的去中心化，认为美国支付公司 Ripple 在很大程度上控制了 XRP。他特别指出，Ripple 拥有 XRP 总供应量的约 50%。

In his view, this heavy concentration of ownership leaves the cryptocurrency vulnerable to price manipulation and poses a major risk to potential users, especially financial institutions.

在他看来，所有权的高度集中使得加密货币容易受到价格操纵的影响，并对潜在用户，尤其是金融机构构成重大风险。

As a result, he concluded that “XRP is not decentralized,” asserting that banks do not want to be taken advantage of, as they are typically the ones who take advantage of others.

因此，他得出的结论是“XRP 不是去中心化的”，并声称银行不想被利用，因为它们通常是利用他人的人。

Furthermore, Soni claimed that Ripple has the capability to alter the XRP code and issue more coins if they choose, a claim many dub false. Soni argues that this “lack of true decentralization” makes XRP unattractive to banks. In his opinion, the idea that banks will adopt XRP is a misbelief.

此外，Soni 声称 Ripple 有能力改变 XRP 代码并发行更多代币（如果他们愿意的话），这一说法被许多人认为是错误的。索尼认为，这种“缺乏真正的去中心化”使得瑞波币对银行没有吸引力。在他看来，银行将采用 XRP 的想法是一种误解。

Meanwhile, Soni argued that a U.S. regulatory crackdown could impede XRP’s price ascent. He claimed that aside from hopes that banks will eventually use it, many are not really interested in XRP. He recalled how the price of XRP tanked after the announcement of a lawsuit against Ripple in late 2020 to back his view.

与此同时，Soni 认为，美国监管机构的打击可能会阻碍 XRP 的价格上涨。他声称，除了希望银行最终会使用它之外，许多人对 XRP 并不真正感兴趣。他回忆起 2020 年底宣布对 Ripple 提起诉讼以支持他的观点后，XRP 的价格暴跌。

Moreover, Soni claimed Ripple’s periodic sales of XRP contributed to the asset’s inability to reach an all-time high in seven years.

此外，Soni 声称 Ripple 定期出售 XRP 导致该资产七年来无法达到历史新高。

Bitcoin as “True Future of Digital Currency”

比特币是“数字货币的真正未来”

In contrast to XRP, Soni praised Bitcoin for its decentralization and growing global adoption. He stated that Bitcoin’s code is open-source, and any user can run the software, making it more resistant to control or manipulation.

与 XRP 相比，Soni 称赞比特币的去中心化和全球日益普及。他表示，比特币的代码是开源的，任何用户都可以运行该软件，使其更难以控制或操纵。

Furthermore, he cited that the largest Bitcoin holders own no more than 5% of the total supply, preventing any single entity from taking control of the currency.

此外，他还指出，最大的比特币持有者所拥有的比特币供应量不超过总供应量的 5%，这使得任何单一实体都无法控制该货币。

Soni also highlighted Bitcoin’s growing use in countries where traditional banking systems are inaccessible. He noted that if Bitcoin were banned in one country, it would still be used and traded in others. In his view, it is unlike XRP, claiming it could likely lose value if it were banned in the U.S.

索尼还强调了比特币在无法访问传统银行系统的国家中越来越多的使用。他指出，如果比特币在一个国家被禁止，它仍然会在其他国家使用和交易。在他看来，它与 XRP 不同，声称如果在美国被禁止，它可能会失去价值

Soni’s XRP Stance Under Check

Soni 的 XRP 立场受到考验

It is important to note that Soni is a longstanding XRP critic and Bitcoin maxi who has continued to publish biased articles on the token.

值得注意的是，Soni 是一位长期批评 XRP 和比特币 maxi 的人，他不断发表有关该代币的带有偏见的文章。

Meanwhile, members of the XRP community have largely grown accustomed to his takes, with minimal efforts to counter his negative narratives about the coin.

与此同时，XRP 社区的成员基本上已经习惯了他的观点，很少努力反驳他对该币的负面叙述。