Swift，以太坊和區塊鏈分類帳：全球金融的新時代？

斯威夫特（Swift）通過以太坊的Linea進入區塊鏈，這是一個重大轉變，可能重塑了全球金融，並挑戰了Ripple的XRP等現有系統。

Yo, what's the deal with Swift steppin' into the blockchain game? They're not just dipping their toes; they're cannonballing into the deep end with Ethereum and blockchain ledgers. Let's break down what this all means for the future of money.

喲，Swift Steppin'進入區塊鏈遊戲有什麼關係？他們不只是俯衝腳趾；他們用以太坊和區塊鏈分類帳進入了深處。讓我們分解這對金錢的未來意味著什麼。

Swift's Blockchain Leap: Ethereum's Linea Takes Center Stage

斯威夫特的區塊鏈飛躍：以太坊的血統佔據了中心地位

Swift, the big kahuna of global payments, is making some serious moves. They're teaming up with Consensys to integrate a blockchain-based shared ledger into their massive network. This ain't some small-time operation; we're talkin' about over 30 financial institutions collaborating on this project. The goal? To modernize payments and throw some shade at the rising stablecoin craze.

斯威夫特（Swift）是全球付款的大卡胡納（Kahuna），正在採取一些嚴重的行動。他們正在與共識合作，將基於區塊鏈的共享分類帳集成到他們的大型網絡中。這不是小型操作；我們談論30多個金融機構在該項目上合作。目標？為了使付款現代化並在上升的Stablecoin熱潮中投入一些陰影。

And guess what? They chose Linea, an Ethereum Layer 2 blockchain, for on-chain bank messaging. Sorry, XRP fans, but Swift went with Linea-based stablecoins for their pilot program, too. This is huge, considering Swift processes over $150 trillion annually. Talk about a mic drop!

猜猜是什麼？他們選擇了第2層區塊鏈Linea，以進行鏈庫的消息傳遞。抱歉，XRP粉絲，但Swift也與基於Linea的Stablecoins一起進行了試點計劃。這是巨大的，考慮到每年超過150萬億美元的迅速流程。談論麥克風滴！

Why Ethereum and Not XRP?

為什麼不是以太坊而不是XRP？

For years, XRP enthusiasts were hopin' Swift would either get replaced by XRP or just adopt XRP Ledger’s messaging system. Marketed as a 'Swift killer' or the perfect partner, XRP Ledger was built for cross-border payments. But Swift said, 'Nah, we good with Ethereum.' Linea's privacy-preserving cryptographic proofs seem to be a major draw, helpin' banks balance KYC/AML compliance with privacy needs.

多年來，XRP愛好者一直在Hopin'Swift被XRP取代，或者只是採用XRP Ledger的消息傳遞系統。 XRP Ledger以“迅速殺手”或完美的合作夥伴的身份銷售，是為跨境支付的。但是斯威夫特說：“不，我們對以太坊很好。” Linea的隱私加密證明似乎是一個主要的吸引力，幫助Banks平衡KYC/AML符合隱私需求。

The Nitty-Gritty: How It Works

尼特·刻薄：它的工作原理

Swift's new ledger is all about movin' regulated, tokenized assets safely across digital ecosystems. They're providing the infrastructure, and banks get to decide which tokens to use. Think of it as a secure, real-time transaction log that records, sequences, and validates payments using smart contracts. It's designed to play nice with both existing and new networks, maintainin' the trust and compliance Swift is known for.

Swift的新分類帳全部是關於Movin受監管的，跨數字生態系統安全的標記資產。他們提供基礎架構，銀行可以決定要使用哪些令牌。將其視為使用智能合約記錄，序列和驗證付款的安全實時交易日誌。它旨在與現有網絡和新網絡一起播放，維護信託和合規性Swift聞名。

Word on the street is they're experimentin' with Consensys’ Ethereum Layer 2 solution, Linea, for faster, cheaper transactions that can handle Swift’s global scale. According to Swift CEO Javier Pérez-Tasso, this move is paving the way for financial institutions to take payments to the next level.

街上的消息是，他們是通過CONSENSYS的Ethereum第2層解決方案進行實驗的，即Linea，可更快，更便宜的交易，可以處理Swift的全球規模。 Swift首席執行官JavierPérez-Tasso表示，此舉為金融機構將付款提升到一個新水平的道路鋪平了道路。

Major Players on Board

船上的主要參與者

Banks from 16 countries are in on this, helpin' Swift design the new ledger. Big names like Bank of America, Citi, HSBC, JP Morgan Chase, Deutsche Bank, and Wells Fargo are all part of the crew. Once development wraps up, Swift will roll this out to its global community.

來自16個國家 /地區的銀行正在努力，幫助新的分類帳。美國銀行，花旗，匯豐銀行，JP Morgan Chase，Deutsche Bank和Wells Fargo等知名人士都是船員的一部分。一旦開發總結，Swift將把它推向其全球社區。

Swift vs. Stablecoins

Swift is lookin' to give stablecoins a run for their money. They're improving fees and offerin' predictable, instant retail payments with no hidden costs. McKinsey reports that stablecoins are a direct threat to traditional payment networks, so Swift is steppin' up its game.

斯威夫特看上去很想給穩定的錢賺錢。他們正在提高費用，並提供可預測的即時零售付款，而沒有隱藏的費用。麥肯錫報告說，穩定幣是對傳統支付網絡的直接威脅，因此Swift踏上了遊戲。

Looking Ahead: A Personal Take

展望未來：個人看法

Honestly, this is a game-changer. Swift's move into blockchain isn't just about keeping up with the times; it's about shaping the future of finance. By choosing Ethereum's Linea, they're betting on a scalable, secure, and privacy-focused solution. It shows that traditional finance is finally ready to embrace the potential of blockchain technology, but they are doing so with a very measured and centralized approach, as opposed to embracing the ethos of decentralization that the blockchain movement initially was built on. It also puts pressure on other players, like Ripple, to innovate and adapt. And speaking of innovation...

老實說，這是一個改變遊戲規則的人。斯威夫特（Swift）進入區塊鏈不僅僅是跟上時代。這是關於塑造財務的未來。通過選擇以太坊的Linea，他們將押注可擴展，安全和隱私的解決方案。它表明，傳統的金融終於準備好擁抱區塊鏈技術的潛力，但是他們採用非常衡量和集中的方法來實現，而不是擁抱最初建立的區塊鏈運動的權力精神。它還給其他球員（例如Ripple）施加壓力，以進行創新和適應。談到創新...

Meanwhile, in Meme Coin Land...

同時，在Meme Coin Land ...

While Swift's makin' power moves, let's not forget the wild world of meme coins. Dogecoin's showin' some strength, but Little Pepe (LILPEPE), an Ethereum Layer 2 meme coin, is makin' waves with a potential 12000% rally. Could meme coins see further adoption due to lower fees and higher speeds? Only time will tell!

當斯威夫特的馬力的力量移動時，不要忘記模因硬幣的野生世界。 Dogecoin的表現有些強度，但以太坊2層硬幣的小佩佩（Lilpepe）是有潛力12000％的集會的浪潮。模因硬幣可以看到由於較低的費用和較高的速度而看到的進一步採用嗎？只有時間會證明！

The Bottom Line

底線

Swift's dive into blockchain with Ethereum is a massive deal. It's gonna shake up global finance, challenge existing systems, and maybe even make your cross-border payments a whole lot smoother. Keep your eyes peeled, folks; the future of money is lookin' pretty interesting.

斯威夫特（Swift）用以太坊深入研究區塊鍊是一筆巨大的交易。它將徹底改變全球財務，挑戰現有系統，甚至使您的跨境支付更加順利。伙計們，睜大眼睛；金錢的未來看起來很有趣。

So, what do you think? Is this the beginning of a beautiful friendship between traditional finance and blockchain, or just a temporary fling? Either way, it's gonna be one heck of a ride!

那麼，您怎麼看？這是傳統金融和區塊鏈之間美麗的友誼的開始，還是只是暫時的逃亡？無論哪種方式，這都是騎車的一大！