反驳神话：XRP从未打算用于银行

区块链顾问Panos Mekras驳斥了关于XRP的共同神话，称其从未打算用于银行。

A blockchain consultant, Panos Mekras, has refuted a common myth regarding XRP.

区块链顾问Panos Mekras驳斥了有关XRP的共同神话。

Key Takeaways:

关键要点：

* Blockchain consultant Panos Mekras has debunked a myth about XRP.

*区块链顾问Panos Mekras揭穿了关于XRP的神话。

* He stated that the token was never intended for banks, and Ripple’s creators did not favor traditional financial institutions and middlemen.

*他说，代币从未打算用于银行，而Ripple的创作者不喜欢传统的金融机构和中间商。

* XRPL was created to disrupt the traditional banking system and provide a decentralized platform for transactions.

* XRPL的创建是为了破坏传统的银行系统并为交易提供了分散的平台。

Many people (within and outside the XRP community) still believe that XRP was created for banks and cross-border payments. It's a common narrative that has been perpetuated by Bitcoin maximalists and some influencers.

许多人（XRP社区内外）仍然认为，XRP是为银行和跨境支付创建的。这是一个常见的叙述，它已经被比特币的最大化主义者和一些有影响力的人永久存在。

In practice, it is just the opposite. XRPL was created to be a superior Bitcoin with faster transactions, built-in tokenization and a decentralized exchange (DEX). It was created for the masses and for enterprises and not for big finance.

实际上，情况恰恰相反。 XRPL是创建的，是一种具有更快交易，内置令牌化和分散交换（DEX）的优质比特币。它是为群众和企业而不是大金融的。

XRP was designed by David Schwartz, Arthur Britto, and Jed McCaleb and launched in June of 2012 before there was even a company by the name of Ripple.

XRP是由David Schwartz，Arthur Britto和Jed McCaleb设计的，并于2012年6月推出，甚至还有一家以Ripple的名义的公司。

It was not until months later that Chris Larsen came on board and Ripple Labs Inc. (then OpenCoin) was formed. Day one produced 100 billion tokens and no amount greater possible.

直到几个月后，克里斯·拉尔森（Chris Larsen）才加入，Ripple Labs Inc.（然后是Opencoin）。第一天产生了1000亿个令牌，没有更多的代币。

Initially, Ripple Labs did not plan to work with banks or facilitate cross-border payments. They wished to create an open financial system that bypassed traditional gatekeepers like banks, credit card companies, and PayPal. This was about reducing costs, avoiding delayed transactions, and preventing censorship.

最初，Ripple Labs不打算与银行合作或促进跨境支付。他们希望建立一个开放的财务系统，该系统绕过了银行，信用卡公司和贝宝等传统看门人。这是关于降低成本，避免交易延迟并防止审查制度。

When Ripple pivoted to payments in 2014, it was because the DEX ecosystem on the XRPL was doing well. There was over $8 million per day in swaps and payments that we could 100% confirm was real economic activity.

当Ripple在2014年涉及付款时，这是因为XRPL上的DEX生态系统表现良好。我们可以100％确认每天超过800万美元的掉期和付款是真正的经济活动。

We wanted to focus on the thing that we felt that we, as a single…

我们想专注于我们认为自己是一个……

But in 2014, Ripple shifted direction and set about to connect with banks. This was not to cater to large financial institutions but to facilitate smaller banks to compete with the large financial institution-owned monopoly of SWIFT.

但是在2014年，Ripple转移了方向，并开始与银行建立联系。这不是要迎合大型金融机构，而是促进较小的银行与斯威夫特大型金融机构拥有的垄断竞争。

As Mekras explained, despite Ripple’s strategic pivot, XRP and XRPL were designed for financial decentralization all along. Even Ripple’s originators did not prefer having centralized parties manage transactions.

正如Mekras所解释的那样，尽管Ripple的战略枢纽，XRP和XRPL始终设计用于财务分散。即使是Ripple的发起人也不喜欢让集中式各方管理交易。

David Schwartz’s own experience of having been banned by PayPal was part of what motivated XRPL’s development. The vision was to give users total control of funds without interference by corporations.

大卫·施瓦茨（David Schwartz）被贝宝（Paypal）禁止的经验是XRPL发展的一部分。愿景是为用户完全控制资金而不会受到公司干扰。

Today, the token remains a tool for decentralization and financial empowerment. While Ripple has been working with financial institutions to implement it, the founding vision of XRPL remains: tearing down financial walls and returning control to people.Related Reading: TON Foundation Secures $400 Million Investment from Leading Venture Capital Firms

如今，令牌仍然是权力下放和财务授权的工具。尽管Ripple一直与金融机构合作实施该机构，但XRPL的创始愿景仍然存在：拆除财务墙并将控制权返回到人民。