XRP可以捕獲Swift量的14％：Ripple首席執行官Garlinghouse Projects XRP每年可能會處理$ 21T，這是由消息傳遞的流動性驅動的。

XRP Eyes Doble Digits：隨著機構的興趣和可能的迅速聯繫，XRP定位為重大突破，Ripple首席執行官說。

In a bold projection, Ripple CEO Brad Garlinghouse has predicted that XRP could be handling 14% of SWIFT’s global transaction volume and processing around $21 trillion in payments annually, by 2028.

Ripple首席執行官布拉德·加林豪斯（Brad Garlinghouse）在大膽的預測中預測，XRP可以處理Swift全球交易量的14％，到2028年，每年的付款約為21萬億美元。

Garlinghouse was speaking at the XRP APEX 2025 event in Singapore, where he touched upon the key factor driving XRP’s unique position – liquidity.

加林豪斯（Garlinghouse）在新加坡舉行的XRP Apex 2025活動中講話，在那裡他談到了推動XRP獨特位置的關鍵因素 - 流動性。

While SWIFT is recognized for its messaging system in facilitating cross-border payments, the true essence lies in the liquidity factor, according to Garlinghouse.

根據加林豪斯（Garlinghouse）的說法，雖然斯威夫特（Swift）因其促進跨境支付的消息傳遞系統而受到認可，但真正的本質在於流動性因素。

“We’re not trying to replace SWIFT messaging, but rather the liquidity part of it. So, if you look at SWIFT today, they estimate about $150 trillion flows across the SWIFT system in a year. If we’re able to get 14% of that volume, that’s $21 trillion a year in cross-border payments,” Garlinghouse said.

“我們不是要替換Swift消息傳遞，而是要替換流動性部分。因此，如果您今天看一下Swift，他們估計一年來大約在Swift System上大約150萬億美元的流量。如果我們能夠獲得該量的14％，那就是每年的跨境支付21萬億美元，” Garlinghouse說。

To put this into perspective, the International Monetary Fund (IMF) has estimated that the total value of goods and services produced in the global economy in 2023 will be around $109 trillion.

為了介紹這一點，國際貨幣基金組織（IMF）估計，2023年全球經濟中生產的商品和服務的總價值約為109萬億美元。

Garlinghouse explained that XRP wouldn’t be storing the full $21 trillion on its ledger. Instead, the tokens would be rapidly circulating, with the amount of XRP needed at any given time depending on the “token velocity.”

加林豪斯（Garlinghouse）解釋說，XRP不會在其分類帳上存儲全部21萬億美元。取而代之的是，代幣將迅速循環，根據“令牌速度”，在任何給定時間所需的XRP量。

At the moment, XRP is ranked fourth on CoinMarketCap, with a market cap of $136 billion and the token is trading at $2.31 after modest gains this week.

目前，XRP在CoinMarketCap上排名第四，市值為1360億美元，而代幣本週降低了，該代幣的交易價格為2.31美元。

Institutions are showing more interest in blockchain-based solutions, especially for cross-border payments, and this is putting XRP in the spotlight.

機構對基於區塊鏈的解決方案表現出更大的興趣，尤其是對於跨境支付，這使XRP成為了人們的關注。

Earlier this year, Garlinghouse hinted at the possibility of a collaboration, or even replacement, between Ripple and SWIFT. A former SWIFT employee also claimed that some banks had tested XRP’s compatibility with the SWIFT system.

今年早些時候，加林豪斯暗示了Ripple和Swift之間進行合作甚至更換的可能性。一位前Swift員工還聲稱，一些銀行已經測試了XRP與Swift系統的兼容性。