Ripple首席執行官Brad Garlinghouse預測，到2025年，XRP Ledger將捕獲Swift全球流動性的14％

Ripple首席執行官布拉德·加林豪斯（Brad Garlinghouse）在新加坡舉行的XRP Ledger 2025會議上對公司的未來市場地位做出了大膽的預測。

Brad Garlinghouse, CEO of Ripple, made a bold prediction about the company’s future market position during the XRP Ledger Apex 2025 conference in Singapore. According to Garlinghouse, the XRP Ledger could capture 14% of SWIFT’s global liquidity within the next five years.

Ripple首席執行官Brad Garlinghouse在新加坡舉行的XRP Ledger Apex 2025會議上對公司的未來市場地位做出了大膽的預測。據加林豪斯（Garlinghouse）稱，XRP分類帳可以在未來五年內捕獲Swift全球流動性的14％。

This prediction was based on the growing adoption of the XRP Ledger among financial institutions for cross-border payments. As more organizations turn to institutional-grade blockchain technology, Garlinghouse believes that XRP Ledger’s speed and cost advantages will become increasingly apparent.

這一預測是基於XRP分類帳在金融機構中越來越多地採用跨境支付。隨著越來越多的組織轉向機構級的區塊鏈技術，Garlinghouse認為，XRP Ledger的速度和成本優勢將變得越來越明顯。

Traditional SWIFT transactions typically take between one to five days to settle, while XRP Ledger transactions can be processed and settled within seconds. This difference in speed is crucial for institutions moving large amounts of capital.

傳統的Swift交易通常需要一到五天才能解決，而XRP Ledger Transactions可以在幾秒鐘內處理和解決。速度的這種差異對於移動大量資本的機構至關重要。

Financial organizations are looking to improve their operational efficiency, and faster settlement times are a key factor.

金融組織正在尋求提高其運營效率，更快的和解時間是關鍵因素。

The cost difference between the two systems also favors XRP Ledger. Traditional SWIFT transfers can cost around $150 for a $30,000 transaction.

兩個系統之間的成本差也有利於XRP分類帳。傳統的Swift Transfers的費用約為150美元，用於30,000美元的交易。

In comparison, XRP Ledger’s transaction fees are significantly lower, which could result in substantial cost savings for banks and financial institutions.

相比之下，XRP Ledger的交易費用大大降低，這可能會為銀行和金融機構節省大量成本。

These advantages have contributed to increased adoption of the XRP Ledger platform. Recent data shows that XRP payment volume has increased by 1,300% to reach $4.11 billion.

這些優勢有助於增加XRP Ledger平台的採用。最近的數據顯示，XRP支付量增加了1,300％，達到41.1億美元。

This surge in payment volume underscores the growing institutional interest in the platform as organizations seek alternatives to traditional payment systems.

當組織尋求替代傳統支付系統的替代方案時，付款量的激增突顯了該平台不斷增長的機構利益。

Many institutions are looking for faster and more cost-effective solutions for cross-border transactions, and blockchain technology is emerging as a viable option.

許多機構正在為跨境交易尋求更快，更具成本效益的解決方案，而區塊鏈技術正在成為可行的選擇。

With its speed, cost efficiency, and institutional focus, the XRP Ledger is well-positioned to continue capturing market share from SWIFT in the coming years.

XRP Ledger憑藉其速度，成本效率和機構重點，可以在未來幾年繼續從Swift捕捉市場份額。

However, it remains to be seen how quickly the XRP Ledger can achieve 14% of SWIFT’s liquidity.

但是，XRP分類帳能夠達到Swift流動性的14％，還有待觀察。

SWIFT has been the dominant player in cross-border payments for decades, and its network has widespread adoption among financial institutions worldwide.

幾十年來，斯威夫特一直是跨境支付的主要參與者，其網絡在全球金融機構中廣泛採用。

Moreover, technical considerations, such as auditing challenges in financial transactions, are also important factors that will influence the development of next-generation payment systems.

此外，技術考慮因素（例如金融交易中的審計挑戰）也是影響下一代支付系統發展的重要因素。

Despite these challenges, Garlinghouse’s prediction highlights the potential for blockchain technology to disrupt the traditional financial landscape and create new opportunities for innovation and efficiency.

儘管面臨這些挑戰，但加林豪斯的預測突出了區塊鏈技術破壞傳統金融景觀並創造創新和效率的新機會的潛力。