XRP不仅仅是另一个数字资产，还提供了这一理论的证明

随着XRP继续与市场的其余部分一起挣扎，社区驱动的帐户“万物XRP”背后的专家恳请市场参与者关注资产

A pundit within the XRP community has presented what he calls proof that the token is more than just another digital asset.

XRP社区中的一个专家提出了他所说的证明，表明令牌不仅仅是另一个数字资产。

As XRP continues to struggle alongside the rest of the market, the pundit behind the community-driven account ‘All Things XRP’ has implored market participants to pay attention to the asset, arguing that it is not just another crypto asset.

随着XRP继续与市场的其余部分一起挣扎，社区驱动的帐户“万物”背后的专家恳请市场参与者关注资产，认为这不仅仅是另一个加密资产。

The token, he claimed, is at the center of a financial revolution, with Ripple’s On-Demand Liquidity (ODL) serving as proof of its real-world use. The argument pivots around the inefficiencies of the global payments system and how XRP, through ODL, is fixing these issues.

他声称，令牌是金融革命的中心，波纹的按需流动性（ODL）证明了其现实世界中使用的证明。该论点围绕着全球支付系统的效率低下以及XRP如何解决这些问题旋转。

The Problem with Cross-Border Payments

跨境支付的问题

According to the pundit, international money transfers are highly inefficient. Transactions can take days to settle, with fees ranging between $25 and $35 per transfer.

根据专家的说法，国际货币转移效率很低。交易可能需要几天的时间来解决，费用在每次转会25至35美元之间。

Additionally, traditional financial institutions require pre-funded accounts in multiple currencies, which locks up large amounts of capital that could be used elsewhere. These issues make the system slow, costly, and outdated.

此外，传统的金融机构需要多种货币的预先资助的帐户，这些货币锁定了可以在其他地方使用的大量资本。这些问题使系统缓慢，昂贵且过时。

In contrast, XRP has set itself up as the key to solving these inefficiencies. The pundit claimed that through ODL (now named Ripple Payments), banks and financial institutions can process transactions in seconds, removing the need for pre-funded accounts while reducing costs.

相比之下，XRP已将自己设置为解决这些效率低下的关键。专家们声称，通过ODL（现已命名为Ripple Payments），银行和金融机构可以在几秒钟内处理交易，从而消除了对预先资助的帐户的需求，同时降低了成本。

Investors often view XRP as just another altcoin, but the analyst asserted that this perception is incorrect. Instead of functioning purely as a speculative asset, XRP plays a major role in real-world financial transactions.

投资者经常将XRP视为另一个Altcoin，但分析师断言这种看法是不正确的。 XRP并非纯粹是投机资产，而是在现实世界中的金融交易中起着重要作用。

The claim is that ODL depends on XRP to function, making it a necessary part of the system. However, it is worth noting that Ripple has previously clarified that ODL can be used without XRP.

声称ODL取决于XRP的功能，使其成为系统的必要组成部分。但是，值得注意的是，Ripple以前已经澄清了无XRP可以使用ODL。

In past disclosures, the company mentioned some clients use the service without the token due to regulatory constraints or other factors. While XRP remains an integral part of ODL, these disclosures contradict the assertion that XRP is indispensable to the payment product.

在过去的披露中，该公司提到有些客户由于监管限制或其他因素而没有令牌。尽管XRP仍然是ODL不可或缺的一部分，但这些披露与XRP对付款产品必不可少的断言相矛盾。

The main argument supporting XRP’s utility is how ODL processes transactions. To facilitate asset movement, a bank or financial institution first exchanges fiat currency, such as USD, for XRP.

支持XRP实用程序的主要参数是ODL处理交易的方式。为了促进资产运动，银行或金融机构首先将法定货币（例如USD）交换为XRP。

This XRP is then rapidly transferred across the XRP Ledger, ensuring near-instant settlement. Once received, the system converts it back into the recipient’s local currency, like MXN or EUR, eliminating the need for traditional banking intermediaries.

然后，该XRP迅速转移到XRP分类帐中，以确保近乎固有的沉降。收到后，该系统将其转换为收件人的本地货币，例如MXN或EUR，从而消除了对传统银行中介机构的需求。

The institutions that have used or are using ODL, the pundit stated, include MoneyGram, Tranglo, and various banks and fintech companies.

专家表示，使用或正在使用ODL的机构包括Moneygram，Tranglo以及各种银行和金融科技公司。

However, while MoneyGram previously utilized ODL for cross-border remittances, the company terminated its partnership with Ripple in March 2021. Instead, MoneyGram opted to integrate with Stellar, a competing blockchain payments network.

但是，尽管MoneyGram先前利用ODL进行了跨境汇款，但该公司于2021年3月终止与Ripple的合作伙伴关系。相反，Moneygram选择与竞争性的区块链付款网络Stellar集成。

Despite this, the pundit noted that the adoption of ODL continues to grow, with more financial institutions now leveraging the technology. Tranglo, for instance, has been facilitating payments across Asia, and Ripple has forged partnerships with banks worldwide to expand ODL corridors.

尽管如此，专家们指出，ODL的采用仍在不断增长，现在更多的金融机构利用了这项技术。例如，Tranglo一直在促进整个亚洲的付款，Ripple与全球银行建立了合作伙伴关系，以扩大ODL走廊。

The growth of ODL will likely have a direct impact on XRP’s value, the analysis added. As more financial institutions integrate ODL into their operations, the use of XRP increases.

分析补充说，ODL的增长可能会直接影响XRP的价值。随着越来越多的金融机构将ODL整合到其运营中，XRP的使用增加。

This rise in usage fuels greater demand, which in turn drives the token’s value higher. While the pundit failed to present any price targets, others have projected rallies to an audacious $10,000 price.

这种使用的上升促进了更大的需求，这又推动了代币的价值更高。尽管专家未能提出任何价格目标，但其他人则预计集会以大胆的$ 10,000价格。

However, some like Panos Mekras maintain that ODL will not impact XRP price. Mekras noted this last April, drawing inspiration from a disclosure by Ripple executives, which confirmed that due to its fast payment time, ODL is demand-neutral, neither increasing or decreasing XRP price.

但是，有些像Panos Mekras认为ODL不会影响XRP价格。梅克拉斯（Mekras）于去年4月指出，从波纹高管的披露中汲取了灵感，该披露证实，由于其快速付款时间，ODL是需求中立的，既不增加或下降XRP价格。

Another community pundit, Mickle, believes this argument is flawed, suggesting that ODL does indeed impact XRP price. This debate has lingered within the XRP community.

另一个社区专家米克尔（Mickle）认为这一论点是有缺陷的，这表明ODL确实会影响XRP价格。这场辩论在XRP社区中徘徊。