今天，在XRP新闻中，我们有一个重大的发展与Ripple在国际付款中的作用有关。迈克尔·阿灵顿（Michael Arrington）

Ripple首席执行官Brad Garlinghouse在最近的一次采访中阐明了XRP令牌如何改善和替换Swift系统。此外，当我们比较XRP与Swift时，我们发现了波纹支付系统可以提供的显着增强功能。

Today in XRP news, we have a significant development related to Ripple’s role in international payments. In a recent interview, Ripple CEO Brad Garlinghouse highlighted how the XRP token can be used to improve and replace the SWIFT system. As we compare XRP vs SWIFT, we find significant enhancements which the Ripple payment system can provide.

今天，在XRP新闻中，我们有一个重大的发展与Ripple在国际付款中的作用有关。 Ripple首席执行官Brad Garlinghouse在最近的一次采访中强调了如何使用XRP令牌来改进和替换Swift系统。当我们比较XRP与Swift时，我们发现了波纹支付系统可以提供的显着增强功能。

XRP vs. SWIFT: The Battle of Old Tech vs. Digital Innovation

XRP与Swift：旧技术战役与数字创新

XRP与Swift：旧技术战役与数字创新

One of the main comparisons that comes to mind is the age of each system and its modernity. Every year we see an innovation in the finance sector, so a new system makes a big difference. An age comparison between XRP SWIFT shows XRP with only 13 years as the obvious choice rather than the 51-year-old SWIFT.

想到的主要比较之一是每个系统的年龄及其现代性。每年我们都会看到金融领域的创新，因此新系统会有很大的不同。 XRP Swift之间的年龄比较显示XRP仅是13岁，这是一个明显的选择，而不是51岁的Swift。

Likely because of this age and lack of updates, this system does not fit the current digital economy. SWIFT, which stands for the Society for Worldwide Interbank Financial Telecommunication, has become obsolete. There are also rumors that Ripple will be adding to and upgrading this system instead of replacing it.

可能由于这个年龄和缺乏更新，该系统不符合当前的数字经济。斯威夫特（Swift）代表全球范围内财务电信协会，已经过时了。还有谣言说，波纹会增加并升级该系统，而不是更换它。

On the other hand, the Ripple payment system has been built to enhance digital finance. This system uses the XRP token to facilitate international payments, placing itself in the center of the digital economy. Additionally, this system is growing and being updated daily, which turns it into a near-limitless solution. One example is the recent introduction of its RLUSD, which makes transactions even more straightforward and simple.

另一方面，波纹支付系统是为了增强数字融资而建立的。该系统使用XRP令牌来促进国际付款，将自己置于数字经济的中心。此外，该系统每天都在增长和更新，这将其变成了几乎无限制的解决方案。一个例子是最近引入其RLUSD，这使交易变得更加简单，简单。

Additionally, this system delivers high-speed transactions while charging small fees. As such, thousands of financial institutions are already looking for a more efficient replacement for SWIFT.

此外，该系统在收取少量费用的同时提供高速交易。因此，成千上万的金融机构已经在寻找更有效的Swift替代品。

A Speed Test Between SWIFT and Ripple

Swift和Ripple之间的速度测试

Swift和Ripple之间的速度测试

To give a direct comparison between the two payment systems, we should take a detailed look. First, to compare XRP SWIFT speed, we can see that XRP comes out as the clear winner. Ripple payment system takes only seconds to process any transaction of any size, while SWIFT takes 1 to 5 business days.

为了在两个付款系统之间进行直接比较，我们应该详细介绍一下。首先，为了比较XRP Swift速度，我们可以看到XRP成为清晰的赢家。波纹支付系统仅需几秒钟即可处理任何规模的任何交易，而Swift需要1到5个工作日。

Additionally, the settling times for the SWIFT system can be even longer based on various variables. For instance, time zones, intermediary banks, and currency conversion can create even further delays.

此外，根据各种变量，Swift系统的结算时间甚至更长。例如，时区，中间银行和货币转换可以创造进一步的延迟。

Cost of Transanctions: XRP’s Pennies vs. SWIFT’s Pile-Up

Transancions的成本：XRP的便士与Swift的堆积

Transancions的成本：XRP的便士与Swift的堆积

The next feature we need to compare between XRP SWIFT payment systems is their fees and additional costs. XRP payments usually only take small predetermined fees. For example, Michael Arrington transferred $50 million with a $0.30 fee.

我们需要在XRP Swift支付系统之间进行比较的下一个功能是它们的费用和额外费用。 XRP付款通常仅收取小预定费用。例如，迈克尔·阿灵顿（Michael Arrington）以0.30美元的费用转让了5000万美元。

When we take a look at how much SWIFT transactions can cost in fees, we can see a significant problem. This is because even calculating such fees for SWIFT is complex and frustrating.

当我们看一下迅速交易的费用时，我们会看到一个重大问题。这是因为即使计算Swift的此类费用也很复杂而令人沮丧。

For example, each sending or receiving bank has its own fees, which are dependent on the country and corporate policy. Additionally, there could be intermediary banks involved, which also have varied fees. There are also additional fees charged based on the complexity of a service. For example, if the client wants to cancel the transaction or recover it, each bank can charge varied fees. Finally, there are also exchange fees if you change currencies; you will be charged a percentage or predetermined amount.

例如，每个发送或接收银行都有自己的费用，这些费用取决于国家和公司政策。此外，还可能涉及中介银行，这也有多种费用。根据服务的复杂性，还会收取额外的费用。例如，如果客户要取消交易或恢复交易，则每个银行都可以收取各种费用。最后，如果您更换货币，也有交换费。您将被收取百分比或预定金额。

The post XRP vs. SWIFT: A Comparative Analysis of Two Payment Systems appeared first on Tokenopedia.

XRP帖子与Swift：对两个支付系统的比较分析首先出现在Tokenopedia上。