尽管Ripple首席执行官布拉德·加林豪斯（Brad Garlinghouse

即使在Ripple首席执行官Brad Garlinghouse分享了他对Ripple将如何与Swift竞争的看法，XRP本周也停滞不前。

Ripple (XRP) price stalled this week even after CEO Brad Garlinghouse shared his optimistic views on how Ripple will compete with SWIFT.

即使在首席执行官布拉德·加林豪斯（Brad Garlinghouse）分享了他对Ripple将如何与Swift竞争的乐观观点之后，Ripple（XRP）的价格在本周停滞不前。

In an interview on Tuesday with Fox Business host Maria Bartiromo, Garlinghouse said he was confident that Ripple would become a viable rival to SWIFT over time.

加林豪斯（Garlinghouse）在周二与福克斯商业主持人玛丽亚·巴蒂罗莫（Maria Bartiromo）的采访中说，他有信心随着时间的流逝，波纹会成为迅速的可行竞争对手。

“SWIFT has been around for 50-plus years. It’s a cooperative, a collective, and it’s time for it to be disrupted,” Garlinghouse stated.

加林豪斯说：“斯威夫特已经存在50多年了。这是一个合作社，一个集体的人，现在是时候被干扰了。”

SWIFT, or the Society for Worldwide Interbank Financial Telecommunication, is a messaging service used by banks and other financial institutions globally to process cross-border payments. The collective handles over $150 trillion in transactions yearly.

Swift或Bank Inter Bank Financial Telecommunication协会是银行和全球其他金融机构使用的消息服务，以处理跨境支付。集体每年处理超过150万亿美元的交易。

But despite its vast scale, SWIFT is often slow and time-consuming. While transaction speeds have improved in recent years, it is still common for SWIFT transfers to take days to complete.

但是，尽管尺寸很大，但Swift通常很慢且耗时。尽管近年来交易速度有所提高，但Swift Transfers花费几天的时间仍然很常见。

In contrast, Ripple’s technology boasts transaction times of less than five minutes and minimal fees, typically just a few cents per transaction.

相比之下，Ripple的技术拥有不到五分钟的交易时间，费用最少，通常每笔交易只有几美分。

The company uses a technology known as on-demand liquidity, which involves converting a local currency to XRP, transferring it to another country, and converting it into the local currency. Transactions can also be made without using XRP, which is known for its volatility.

该公司使用一种称为按需流动性的技术，该技术涉及将当地货币转换为XRP，将其转移到另一个国家并将其转换为当地货币。也可以不使用XRP进行交易，该XRP以其波动性而闻名。

“[It can be done] without needing a stablecoin, although we think Ripple USD will be a key part of the ecosystem,” Garlinghouse explained.

Garlinghouse解释说：“ [可以做到]而不需要稳定的coin，尽管我们认为Ripple USD将是生态系统的关键部分。”

Still, Ripple has a long way to go to catch up with SWIFT, which has partnerships with over 11,000 banks. According to Garlinghouse, the recent conclusion of the Ripple vs SEC case will help Ripple onboard more American banks that handle trillions in payments annually.

不过，Ripple还有很长的路要走要赶上Swift，Swift与11,000多家银行建立了合作伙伴关系。根据加林豪斯（Garlinghouse）的说法，Ripple vs SEC案的最新结论将有助于在每年处理数万亿美元付款的美国银行上的波纹。

He noted that Ripple signed up more U.S. banks and payment companies in the six weeks after Donald Trump’s election than in the previous six months combined.

他指出，在唐纳德·特朗普（Donald Trump）当选后的六个星期内，Ripple签署了更多的美国银行和支付公司，而不是前六个月的总和。

However, Ripple’s business in the U.S. largely stagnated after the SEC launched its lawsuit against the company in 2020. As a result, most of its partnering institutions were from abroad, especially in Japan.

但是，在美国证券交易委员会（SEC）于2020年发起针对该公司的诉讼之后，Ripple在美国的业务在很大程度上停滞不前。结果，其大多数合作机构来自国外，尤其是在日本。

“We couldn't go and sign up U.S. banks and payment companies while the SEC was trying to shut us down,” said Garlinghouse.

Garlinghouse说：“当SEC试图关闭我们时，我们无法签约美国银行和付款公司。”

The case, which unfolded over three years, saw the SEC accuse Ripple of selling unregistered securities to raise $1.3 billion. The agency's actions effectively barred U.S. institutions from working with Ripple.

该案在三年内展开了，SEC指责出售未注册的证券以筹集13亿美元。该机构的行动有效地禁止美国机构与Ripple合作。

But in July, Judge Analisa Torres ruled in favor of Ripple, finding that the company's sales of XRP to institutional investors did not constitute an offering of securities.

但是在7月，Analisa Torres法官裁定支持Ripple，发现该公司向机构投资者的XRP销售并不构成证券的发行。

The decision sparked a rally in the XRP token, which is currently trading at $2.40.

该决定在XRP令牌中引发了集会，目前交易价格为2.40美元。

XRP price technical analysis

XRP价格技术分析

On the daily chart, the XRP token has formed a head and shoulders pattern, which could risk a drop to $1. However, the weekly chart shows that the coin has formed a break-and-retest pattern by moving to $1.9666, its highest swing in 2021.

在每日图表上，XRP令牌形成了头部和肩膀的模式，可能会降至1美元。但是，每周图表表明，硬币已通过移动到1.9666美元（在2021年的最高挥杆）形成了重新观察模式。

It has also moved above the 50-week and 100-week moving averages, and it is forming a bullish pennant chart pattern, which is characterized by a tall vertical line and a symmetrical triangle.

它还在50周和100周的移动平均值上移动，并且形成了看涨的五角旗图图案，其特征是高高的垂直线和对称的三角形。

Therefore, more gains will be confirmed above the resistance at $3, which represents the shoulders of the head and shoulders pattern. A move above that level will raise the odds of the coin rising to $5.

因此，将在电阻上以3美元的价格确认更多收益，这代表了头部和肩膀的肩膀。超过该水平的举动将使硬币上升的几率提高到5美元。

This move will be possible if the lower support at $1.966 holds. A drop below that level will invalidate the bullish view.

如果较低的支撑额为1.966美元，则可以做到这一举动。低于该水平的下降将使看涨视图无效。