美聯儲支付系統、Ripple 和 XRP：加密貨幣的新時代？

探討美聯儲的“瘦主賬戶”提案以及 Ripple 的戰略舉措對 XRP 和更廣泛的加密貨幣領域的潛在影響。

Fed Payment System, Ripple, and XRP: A New Era for Crypto?

美聯儲支付系統、Ripple 和 XRP：加密貨幣的新時代？

The intersection of traditional finance and blockchain technology is heating up! Recent developments surrounding the Fed payment system, Ripple, and XRP suggest a potentially transformative period for the crypto industry. Let's dive in.

傳統金融與區塊鏈技術的交匯正在升溫！圍繞美聯儲支付系統、Ripple 和 XRP 的最新發展表明加密行業可能面臨變革時期。讓我們深入了解一下。

The Fed's 'Skinny Master Account': A Game Changer for Ripple?

美聯儲的“瘦主賬戶”：瑞波幣的遊戲規則改變者？

The Federal Reserve is considering a new proposal for a “skinny master account.” This limited-access account could allow fintechs, stablecoin issuers, and even crypto-focused banks to directly access the US financial system. For Ripple, which has long sought to bridge blockchain settlements with traditional finance, this could be huge.

美聯儲正在考慮一項關於“精簡主賬戶”的新提案。這個訪問受限的賬戶可以允許金融科技公司、穩定幣發行人，甚至專注於加密貨幣的銀行直接訪問美國金融體系。對於長期以來一直尋求將區塊鏈結算與傳統金融聯繫起來的 Ripple 來說，這可能是巨大的。

Governor Chris Waller's announcement at the Fed’s Payments Innovation Conference signals a willingness to explore integrating legally eligible firms directly into the Fed's payment rails. This access, previously limited to chartered banks, could provide real-time settlement capabilities without relying on intermediaries.

州長克里斯·沃勒在美聯儲支付創新會議上的聲明表明願意探索將合法合格的公司直接納入美聯儲的支付軌道。這種訪問權限以前僅限於特許銀行，可以提供實時結算功能，而無需依賴中介機構。

Ripple's Expanding Footprint

瑞波幣不斷擴大的足跡

Ripple has been strategically expanding its institutional operations. The $1 billion acquisition of GTreasury is a bold move to embed blockchain liquidity solutions within corporate treasury systems. Furthermore, their backing of Evernorth, aimed at deploying XRP as an institutional liquidity asset, aligns with the growing adoption of RLUSD for real-world settlements.

Ripple 一直在戰略性地擴大其機構業務。以 10 億美元收購 GTreasury 是將區塊鏈流動性解決方案嵌入企業財務系統的大膽舉措。此外，他們對 Evernorth 的支持旨在將 XRP 作為機構流動性資產，這與 RLUSD 在現實世界結算中的日益採用相一致。

XRP Buyback and Market Confidence

XRP 回購和市場信心

Adding fuel to the fire, Ripple announced a $1 billion XRP buyback program in October 2025. This signals a commitment to strengthen market liquidity and boost investor confidence. Industry analysts believe this move could stabilize XRP's price and attract institutional investors back to the crypto market.

火上澆油的是，Ripple 於 2025 年 10 月宣布了 10 億美元的 XRP 回購計劃。這標誌著其致力於增強市場流動性並提振投資者信心。行業分析師認為，此舉可以穩定 XRP 的價格，並吸引機構投資者重返加密市場。

BlockDAG's Rise and Market Dynamics

BlockDAG的崛起和市場動態

While XRP navigates regulatory shifts, BlockDAG (BDAG) has emerged as a strong contender in the Layer-1 space. With a successful presale and innovative technology, BDAG is capturing attention. However, the focus on BDAG highlights the broader market's search for the next big thing, diverting some attention from XRP's potential.

在 XRP 應對監管變化的同時，BlockDAG (BDAG) 已成為 Layer-1 領域的有力競爭者。憑藉成功的預售和創新技術，BDAG 正在引起人們的關注。然而，對 BDAG 的關注凸顯了更廣泛的市場對下一個重大事件的尋找，轉移了對 XRP 潛力的一些注意力。

Potential Implications and My Take

潛在影響和我的看法

The Fed's potential adoption of the 'skinny master account' framework is a significant step towards legitimizing blockchain-based payment models. This could validate compliant projects like Ripple and accelerate the integration of stablecoins into enterprise finance. While a 'skinny' account wouldn't offer all the privileges of a full master account (like borrowing from the Fed), the critical payment capabilities it provides are invaluable. It is important to note that SEC Commissioner Paul Atkins recently suggested the regulator may take a more open approach to crypto progress, potentially unlocking new growth for assets like XRP. If buyers defend the $2.30–$2.40 support area, the next targets could reach $2.80 and $3.10.

美聯儲可能採用“瘦身主賬戶”框架，這是實現基於區塊鏈的支付模式合法化的重要一步。這可以驗證 Ripple 等合規項目，並加速穩定幣與企業融資的整合。雖然“瘦”賬戶無法提供完整主賬戶的所有特權（例如從美聯儲借款），但它提供的關鍵支付功能是無價的。值得注意的是，美國證券交易委員會 (SEC) 專員保羅·阿特金斯 (Paul Atkins) 最近建議監管機構可能對加密貨幣的發展採取更加開放的態度，從而有可能為 XRP 等資產帶來新的增長。如果買家守住 2.30 美元至 2.40 美元的支撐區域，下一個目標可能會達到 2.80 美元和 3.10 美元。

Final Thoughts

最後的想法

The future looks bright for the intersection of traditional finance and crypto. With regulatory winds potentially shifting and innovative projects like Ripple pushing boundaries, it's an exciting time to be watching the evolution of the Fed payment system, XRP, and the broader digital asset landscape. Who knows, maybe one day we'll all be settling our coffee tabs with XRP!

傳統金融與加密貨幣的交叉前景一片光明。隨著監管風向可能發生變化，以及 Ripple 等創新項目不斷突破界限，現在是關注美聯儲支付系統、XRP 和更廣泛的數字資產格局演變的激動人心的時刻。誰知道呢，也許有一天我們都會用 XRP 來結算我們的咖啡賬單！