XRP，XRP Ledger（XRPL），Ripple及其相關技術的最全面的單頁說明

這篇文章介紹了XRP的新移民和長期支持者。他還鼓勵社區徹底閱讀文檔，強調其深度和清晰度。

Software engineer and blockchain advocate Vincent Van Code has highlighted what he describes as the most comprehensive single-page explanation of XRP, the XRP Ledger (XRPL), and their associated technologies by Ripple.

軟件工程師和區塊鏈倡導者Vincent Van Code強調了他所描述的XRP，XRP Ledger（XRPL）及其相關技術的最全面的單頁解釋。

In a post on X, originally Twitter, he addressed both newcomers and long-time supporters of XRP. He urged the community to read the 21Shares blog post titled “XRP: SWIFT on the Blockchain”.

在最初是Twitter的X上的帖子中，他向XRP的新移民和長期支持者致辭。他敦促社區閱讀21shares博客文章，標題為“ XRP：Swift在區塊鏈上”。

Van Code went on to say that if people get bored or don’t bother reading it then they really shouldn’t go anywhere near XRP.

Van Code繼續說，如果人們感到無聊或不打擾閱讀，那麼他們真的不應該在XRP附近走任何地方。

The post by 21Shares offers a structured and technically grounded overview of the XRP Ledger, the technology stack developed by Ripple, and the broader financial ecosystem in which these components operate. It begins by situating the XRPL as one of the earliest blockchain networks, having launched in 2012.

21shares的帖子提供了XRP分類帳，Ripple開發的技術堆棧以及這些組件運行的更廣泛的金融生態系統的結構化概述。首先將XRPL置於2012年推出的最早的區塊鍊網絡之一。

Developed by Ripple Labs, XRPL was specifically designed to improve the efficiency of traditional financial systems, forming the foundation for RippleNet, a global payments network that benefits from the ledger’s high speed and low transaction costs.

XRPL由Ripple Labs開發，專門設計用於提高傳統金融系統的效率，為Ripplenet構成基礎，Ripplenet是一個全球支付網絡，從分類帳的高速和低交易成本中受益。

The native token XRP is an essential component of XRPL’s operation, used for paying transaction fees, deterring spam, and facilitating bridge assets for cross-border transfers. With transaction costs typically measured in fractions of a cent, the XRPL is presented as one of the most cost-effective blockchain platforms today.

天然令牌XRP是XRPL操作的重要組成部分，用於支付交易費用，阻止垃圾郵件和促進跨境轉移的橋樑資產。由於通常以百分之份的交易成本來衡量的交易成本，XRPL被視為當今最具成本效益的區塊鏈平台之一。

The blog post elaborates on the XRPL’s multifaceted capabilities. Beyond its core function in facilitating cross-border payments, the network supports tokenizing real-world assets (RWAs), decentralized exchange functions, escrow mechanisms, and built-in compliance tools.

博客文章詳細介紹了XRPL的多方面功能。除了其在促進跨境支付方面的核心功能外，該網絡還支持對現實世界的資產（RWAS），分散的交換功能，託管機制和內置合規性工具。

These features make the XRPL well-suited for complex financial applications, including liquidity provisioning and decentralized finance (DeFi). Native support for NFTs, synthetic assets, and stablecoins also positions the XRPL as a competitive platform for broader asset management use cases.

這些功能使XRPL非常適合複雜的財務應用，包括流動性供應和分散財務（DEFI）。對NFT，合成資產和Stablecoins的本地支持也將XRPL定位為更廣泛的資產管理用例的競爭平台。

While the XRPL base layer does not support arbitrary smart contracts—a conscious decision to prioritize security and stability over maximalist programmability—it does integrate Ethereum-compatible sidechains that provide this functionality and expand use cases without compromising the main ledger’s performance.

儘管XRPL基礎層不支持任意智能合約（有意識地確定優先級安全性和穩定性優先於最大值可編程性），但它確實整合了以太坊兼容的側技術，這些側鏈提供了提供此功能並擴展用例，而不會損害主要分類帳的性能。

The document offers a detailed explanation of how the XRP Ledger achieves consensus—a critical aspect of any blockchain's operation. It does not rely on energy-intensive mining or wealth concentration, as seen in Proof-of-Work or Proof-of-Stake systems.

該文檔對XRP Ledger如何達到共識，這是任何區塊鏈操作的關鍵方面。它不依賴能源密集型採礦或財富集中度，如工作證明或驗證系統中所見。

Instead, XRPL employs a unique consensus protocol that enables fast and secure transaction validation without heavy computational overhead. This operational efficiency is a key reason for its longstanding viability in enterprise and institutional use cases.

取而代之的是，XRPL採用了獨特的共識協議，該協議可以在沒有大量計算開銷的情況下快速安全的交易驗證。這種運營效率是其在企業和機構用例中長期生存能力的關鍵原因。

The article further explains how RippleNet connects financial institutions and payment providers through a unified network that enables real-time fund transfers. Within this network, products like xCurrent, xRapid, and xVia serve distinct roles.

本文進一步解釋了Ripplenet如何通過統一網絡連接金融機構和付款提供商，該網絡可以實時轉移。在該網絡中，Xcurrent，Xrapid和XVIA等產品扮演著獨特的角色。

xCurrent allows for real-time cross-border payments using banks’ existing infrastructure and messaging systems, while xRapid utilizes XRP to provide liquidity on demand, reducing the need for pre-funded accounts. xVia offers a simplified interface for businesses to send global payments with added metadata, such as invoices or shipping information.

Xcurrent允許使用銀行現有的基礎架構和消息傳遞系統實時跨境支付，而Xrapid則利用XRP按需提供流動性，從而減少了對預資助的帳戶的需求。 XVIA為企業提供了一個簡化的界面，以發送全球付款，並增加了元數據，例如發票或運輸信息。

Each solution contributes to a cohesive strategy to replace outdated financial messaging systems like SWIFT with a blockchain-based alternative that is faster, cheaper, and more transparent.

每種解決方案都有助於一種具有凝聚力的策略，可以用基於區塊鏈的替代方案替換過時的金融消息系統，該替代速度更快，更便宜且更透明。

The document also touches upon the growing institutional interest in RippleNet, mentioning partnerships with central banks and the tokenization of U.S. Treasuries through a collaboration with Ondo Finance. It highlights Ripple’s RLUSD, a U.S. dollar-pegged stablecoin, that expands XRP’s utility in retail and institutional markets.

該文件還涉及Ripplenet的機構興趣日益增長，提到與中央銀行的合作夥伴關係以及通過與Ondo Finance的合作來實現美國國債的令牌。它突出了Ripple的Rlusd，這是一款美元的穩定穩定性，它擴大了XRP在零售和機構市場中的效用。

By showcasing Ripple’s expanding suite of financial products, its alignment with global regulatory trends, and its ongoing technical development, the document makes a compelling case for XRP and XRPL as foundational tools in the evolution of cross-border finance.

通過展示Ripple不斷擴大的金融產品套件，其與全球監管趨勢的一致性以及其持續的技術開發，該文件為XRP和XRPL作為跨境財務發展的基礎工具提供了令人信服的案例。