Ripple的XRP引起了人们的关注，这是对既定全球金融体系的潜在破坏者

Ripple的目标是利用XRP的独特功能来解决Swift Legacy系统中存在的效率低下

In the rapidly evolving world of cryptocurrency, Ripple’s XRP has emerged as a subject of interest for its potential to disrupt established financial systems, particularly in the domain of cross-border payments.

在迅速发展的加密货币世界中，Ripple的XRP已成为一个令人兴趣的主题，因为它可能破坏了已建立的金融系统，尤其是在跨境支付领域。

Presented as a faster and more cost-efficient alternative to SWIFT, the cryptocurrency could be used to streamline transactions between financial institutions.

加密货币可作为Swift的更快，更具成本效益的替代品，可用于简化金融机构之间的交易。

SWIFT, an acronym for the Society for Worldwide Interbank Financial Telecommunication, serves as the communication network through which over 11,000 financial institutions in over 200 countries exchange financial messages. It processes transactions worth over $5 trillion daily, contributing to an annual volume of approximately $1.25 quadrillion.

斯威夫特（Swift）是全球银行间财务电信协会的首字母缩写，是通信网络，通过该网络，超过200个国家的11,000多个金融机构交换财务信息。它处理价值超过5万亿美元的交易，每年的交易约为12.2.5亿美元。

While SWIFT’s infrastructure has been foundational to the global financial system, its reliance on a network of correspondent banks often results in delays, high transaction fees, and a lack of real-time settlement.

尽管Swift的基础设施是全球金融体系的基础，但其对通讯银行网络的依赖通常会导致延误，高交易费用以及缺乏实时和解。

In contrast, Ripple offers an alternative through its On-Demand Liquidity (ODL) service, which utilizes XRP as a bridge currency for real-time transactions. RippleNet, Ripple’s payment network, allows for cross-border payments to be settled almost instantly, bypassing the traditional multi-day settlement process employed by SWIFT. By eliminating intermediaries, Ripple aims to offer a more efficient and affordable solution to financial institutions, particularly in emerging markets where access to traditional banking systems is limited.

相比之下，Ripple通过其按需流动性（ODL）服务提供了替代方案，该服务将XRP用作实时交易的桥梁货币。 Ripplenet是Ripple的支付网络，几乎可以立即解决跨境支付，绕过Swift使用的传统多日结算过程。通过消除中介机构，Ripple的目标是为金融机构提供更高效，更负担得起的解决方案，尤其是在进入传统银行系统有限的新兴市场中。

Some industry observers, including DigitalG, a former London-based fund manager and XRP advocate, have suggested that XRP could replace SWIFT entirely, leading to a significant increase in its value.

一些行业观察家，包括伦敦前基金经理和XRP倡导者，包括Digitalg提出XRP可以完全取代Swift，从而导致其价值大幅提高。

DigitalG has argued that the asset could exceed $15,000 per token if it were to completely overtake SWIFT’s market share, citing the fact that XRP can be subdivided into smaller units known as “drops,” enabling higher valuations. The scale of this potential shift in the global payments landscape has led to increased speculation on the asset’s future price.

Digitalg认为，如果要完全超过Swift的市场份额，则该资产可能会超过15,000美元，理由是XRP可以将XRP细分为称为“ Drops”的较小单位，从而实现了更高的估值。全球支付格局的这种潜在转变的规模导致人们对资产未来价格的猜测增加了。

Key Challenges

关键挑战

However, several critical factors must be considered before XRP can realistically replace SWIFT. One key concern is the scalability of Ripple’s infrastructure. SWIFT processes an enormous volume of transactions each day, and for XRP to fully compete, the XRP Ledger must be capable of handling a similar scale of transactions without compromising reliability.

但是，在XRP可以实际替换Swift之前，必须考虑几个关键因素。一个主要问题是Ripple基础架构的可伸缩性。 SWIFT每天都有大量的交易，为了使XRP完全竞争，XRP Ledger必须能够处理类似的交易规模而不会损害可靠性。

Although the XRP Ledger has demonstrated rapid settlement times and efficiency, further advancements in infrastructure and liquidity management are necessary to meet the demands of the global financial system.

尽管XRP分类帐已经显示出快速的和解时间和效率，但基础设施和流动性管理的进一步进步对于满足全球金融体系的需求是必要的。

Additionally, regulatory uncertainty remains a significant hurdle for Ripple and XRP. The company has been engaged in an ongoing legal battle with the U.S. Securities and Exchange Commission (SEC) over the classification of the token. This legal uncertainty has created challenges in terms of institutional adoption, as many investors and financial institutions require regulatory clarity before committing to new technologies. A favorable resolution in Ripple’s legal proceedings could bolster confidence in XRP, making it a more attractive option for adoption by financial institutions worldwide.

此外，调节不确定性仍然是Ripple和XRP的重大障碍。该公司一直在与美国证券交易委员会（SEC）进行有关令牌的分类的持续法律斗争。这种法律不确定性在机构采用方面引起了挑战，因为许多投资者和金融机构都需要监管性清晰度，然后才能实现新技术。 Ripple的法律程序的有利决议可以增强对XRP的信心，这使其成为全球金融机构采用的更具吸引力的选择。

Industry Support for Token’s Potential

行业支持令牌潜力

Despite these obstacles, Ripple has received significant support from various stakeholders in the financial industry. In 2024, global investment bank Houlihan Lokey recognized Ripple as one of SWIFT’s key competitors, highlighting the advantages of Ripple’s ODL service.

尽管存在这些障碍，但Ripple仍获得了金融业各个利益相关者的大力支持。 2024年，全球投资银行Houlihan Lokey承认Ripple是Swift的主要竞争对手之一，强调了Ripple ODL服务的优势。

Moreover, prominent figures such as Mark Yusko, CEO of Morgan Creek Capital Management, have expressed interest in supporting XRP’s growth if it can achieve mainstream adoption.

此外，摩根溪资本管理公司首席执行官马克·尤斯科（Mark Yusko）等著名人物表示，如果能够实现主流采用，则对支持XRP的增长表示兴趣。

While the idea of XRP replacing SWIFT is largely speculative at this stage, the cryptocurrency’s unique design and operational advantages position it as a promising alternative in the global payments landscape.

尽管在此阶段，XRP取代SWIFT的想法在很大程度上是投机性的，但加密货币的独特设计和运营优势将其定位为全球支付景观中的有希望的选择。

However, for XRP to fully realize its potential, key challenges related to scalability, infrastructure, and regulatory uncertainty must be addressed. If these challenges are overcome, XRP could emerge as a powerful competitor to SWIFT, ushering in a new era of faster, more efficient, and more cost-effective cross-border payments.

但是，要使XRP充分发挥其潜力，必须解决与可伸缩性，基础设施和监管不确定性有关的关键挑战。如果克服这些挑战，XRP可能会成为迅速的强大竞争对手，迎来了一个更快，更高效且更具成本效益的跨境支付的新时代。