XRP可以根據SMQKE的八個報告來實現比特幣般的優勢

XRP社區中的一個加密研究員和著名人物（稱為SMQKE）從八個不同的報告中編輯了發現，以支持XRP可以達到與比特幣相似的重要性水平的想法。他的分析遵循媒體個性戴夫·波特諾伊（Dave Portnoy）的最新評論，他透露他投資於XRP並不是由於詳細的研究，而是渴望避免錯過資產是否經歷巨大的價值增長。

A crypto researcher and prominent figure in the XRP community, recognized online as SMQKE, has assembled findings from eight distinct reports to support the idea that XRP could achieve a level of significance comparable to that of Bitcoin.

在線認可的XRP社區中的一個加密研究員和著名人物已從八個不同的報告中匯總了發現結果，以支持XRP可以達到與比特幣相當的意義水平的想法。

This analysis follows recent comments from media personality Dave Portnoy, who disclosed that his investment in XRP was not driven by meticulous research but rather by a desire to avoid missing out if the asset experiences a dramatic surge in value.

這項分析是在媒體個性戴夫·波特諾伊（Dave Portnoy）的最新評論之後，他透露他對XRP的投資不是由細緻的研究驅動的，而是出於渴望避免錯過資產的渴望，如果資產的價值飆升。

To substantiate the possibility of XRP becoming a dominant force in digital finance, SMQKE referenced a range of studies and institutional documents, each outlining XRP’s unique technological and structural attributes.

為了證實XRP成為數字融資中的主要力量的可能性，SMQKE引用了一系列研究和機構文檔，每個文檔都概述了XRP獨特的技術和結構屬性。

One of the primary points raised stems from a 2022 report titled First Demonstration Experiment for Energy Trading System EDISON-X using XRP Ledger. This document, written by a collective of researchers from various institutions in Japan and Korea, explains that the XRP Ledger, the blockchain network on which the token operates, uses a Federated Byzantine Agreement (FBA) consensus mechanism.

主要點之一提出的是2022年的一份報告，標題為使用XRP Ledger的Edison-X的首次演示實驗。該文件是由來自日本和韓國各個機構的一組研究人員撰寫的，他解釋說，XRP Ledger是代幣運營的區塊鍊網絡，使用了聯邦拜占庭協議（FBA）共識機制。

This contrasts with Bitcoin and Ethereum, both of which rely on Proof-of-Work, requiring energy-intensive mining to validate transactions and secure the network. XRP Ledger, on the other hand, confirms transactions in 3 to 5 seconds with minimal cost and high scalability.

這與比特幣和以太坊形成鮮明對比的是，這兩者都依賴於工作證明，需要能源密集型採礦來驗證交易並確保網絡。另一方面，XRP Ledger在3至5秒內以最低的成本和高可擴展性確認交易。

The same report highlighted the XRP Ledger’s environmental advantage, having achieved carbon neutrality in 2020. It also indicated that XRPL supports advanced use cases such as decentralized finance (DeFi) and non-fungible tokens (NFTs), positioning it for long-term utility beyond simple transfers.

同一份報告強調了XRP Ledger在2020年實現碳中立性的環境優勢。它還表明XRPL支持了先進的用例，例如分散式融資（DEFI）和無填充代幣（NFTS）（NFTS），將其定位為簡單傳輸以外的長期效用。

At the same time, experts at DC Fintech Week discussed the importance of functional cryptocurrencies in modern finance. Among the topics covered were the integration of cryptocurrencies with the ISO 20022 standard, an international messaging protocol for financial institutions.

同時，DC Fintech Week的專家討論了功能性加密貨幣在現代金融中的重要性。涵蓋的主題之一是將加密貨幣與ISO 20022標準的整合，這是金融機構的國際消息協議。

In this context, XRP was identified as one of the few digital assets contributing meaningfully to financial innovation.

在這種情況下，XRP被確定為為財務創新做出有意義貢獻的少數數字資產之一。

Furthermore, an analysis by Trade Finance Global described XRP as a “Bitcoin for banks,” contrasting it with BTC’s limited use cases. The report highlighted how Ripple’s infrastructure, which includes the XRP token, has already been adopted by several financial institutions aiming to modernize international money transfers.

此外，貿易融資全球的一項分析將XRP描述為“銀行比特幣”，與BTC的有限用例形成鮮明對比。該報告強調了包括XRP令牌在內的Ripple的基礎設施是如何被一些旨在現代化國際貨幣轉移現代化的金融機構採用的。

Another document, prepared by nocash.ro, examined the implications of the ISO 20022 standard for various cryptocurrencies. Among the 10 tokens assessed, XRP was among the few that appeared prepared for integration with this framework.

由Nocash.ro編寫的另一份文件檢查了ISO 20022標準對各種加密貨幣的含義。在評估的10個代幣中，XRP是與該框架集成在一起準備的少數幾個。

This alignment could be crucial for cross-operability with central bank digital currencies (CBDCs), which are also being developed in accordance with the ISO 20022 standard.

這種一致性對於與中央銀行數字貨幣（CBDC）的跨手術可能至關重要，這也是根據ISO 20022標准開發的。

In a 2018 letter addressed to the U.S. Federal Reserve, a concerned banking customer, Brenden Sheehan, recommended the adoption of Ripple’s technology.

在2018年緻美國美聯儲的信中，有關銀行客戶布倫登·希恩（Brenden Sheehan）建議採用Ripple的技術。

Highlighting the slow, expensive, and outdated American payment systems, Sheehan pointed out that a recent cross-border payment from China to the U.S. using blockchain technology took 1 minute and 48 seconds to complete, costing only $0.003.

Sheehan強調了緩慢，昂貴且過時的美國支付系統，他指出，最近從中國向美國使用區塊鏈技術的跨境支付需要1分鐘48秒才能完成，僅花費0.003美元。

In stark contrast, he noted that a recent cross-border payment through the U.S. Federal Reserve took 3 days and cost $25. This disparity, he argued, highlighted the urgent need for innovation in the U.S. banking system.

與之形成鮮明對比的是，他指出，最近通過美國美聯儲的跨境付款花費了3天，花費了25美元。他認為，這種差距強調了在美國銀行體系中迫切需要創新。

Recommending that the Fed integrate with Ripple’s network, Sheehan emphasized the speed, security, and efficiency that the technology could bring to the American financial landscape. He also highlighted Ripple’s integration with SWIFT, the cooperative messaging service for financial institutions.

Sheehan建議美聯儲與Ripple的網絡集成，因此強調了該技術可以為美國金融格局帶來的速度，安全性和效率。他還強調了Ripple與金融機構合作消息服務Swift的集成。

Sheehan’s recommendation highlighted the critical role of U.S. financial innovation in the global context. He asserted that if the U.S. failed to keep pace with other nations advancing in financial technology, it would ultimately fall behind.

Sheehan的建議強調了美國金融創新在全球背景下的關鍵作用。他斷言，如果美國未能與其他國家的金融技術前進，最終將落後。

Finally, a study by the Waterford Institute of Technology concluded that Ripple provides notable improvements over both the SWIFT network and Bitcoin’s architecture.

最後，沃特福德理工學院的一項研究得出結論，波紋對Swift Network和Bitcoin的體系結構都有顯著的改進。

The findings suggested that banks could adopt Ripple’s system to offer more efficient and reliable services to consumers and businesses. This integration would also enable the creation of new financial products and services, ultimately benefitting the broader economy.

調查結果表明，銀行可以採用Ripple的系統為消費者和企業提供更有效和可靠的服務。這種整合還將使創建新的金融產品和服務，最終使更廣泛的經濟受益。

The report also recognized that while Ripple’s system may exhibit some centralization due to its reliance on a smaller number of institutions for consensus, this characteristic could also be viewed positively.

該報告還認識到，由於Ripple的系統可能會出現某種集中化，因為它依賴少量的共識機構，但也可以正面看待這種特徵。

In contrast to Bitcoin’s decentralized structure, which faces difficulties in regulatory engagement, Ripple’s framework mirrors some aspects of traditional banking, potentially enhancing regulatory compatibility and mainstream adoption.

與比特幣的分散結構相反，在監管參與方面面臨困難，Ripple的框架反映了傳統銀行業務的某些方面，可能增強了監管兼容性和主流採用。

This analysis, which combines insights from various financial institutions, government agencies, and research bodies, presents a compelling case for the potential of XRP to rise to a level of significance similar to that of Bitcoin.

該分析結合了來自各個金融機構，政府機構和研究機構的見解，這為XRP的潛力提高到與比特幣相似的重要性水平提出了一個令人信服的案例。

However, it’s important to remember that financial markets are inherently unpredictable, and past performance does not guarantee future results.

但是，重要的是要記住，金融市場本質上是不可預測的，並且過去的績效並不能保證未來的結果。

Any investment decisions should be based on individual financial goals, risk tolerance, and a

任何投資決策都應基於個人財務目標，風險承受能力和