XRP，HBAR和Swift：紐約人對財務的未來的看法

Swift正在測試區塊鏈解決方案，將XRP和HBAR互相測試。 XRP的監管清晰度和採用使其具有優勢，但HBAR具有長期潛力。

XRP, HBAR, and SWIFT: A New Yorker's Take on the Future of Finance

XRP，HBAR和Swift：紐約人對財務的未來的看法

The financial world is buzzing about blockchain, and SWIFT, the old-school backbone of global transactions, is getting in on the action. Two tokens, XRP and HBAR, are battling it out to be the next big thing. Let's dive into what's happening.

金融界對區塊鏈的嗡嗡作響，全球交易的老式骨幹線斯威夫特（Swift）正在採取行動。兩個令牌XRP和HBAR正在與之抗爭是下一個大事。讓我們深入了解正在發生的事情。

The Lay of the Land: XRP vs. HBAR

土地的局面：XRP與HBAR

SWIFT handles a staggering $150 trillion in cross-border transactions every year. To keep up with the times, they're experimenting with blockchain. Ripple's XRP and Hedera's HBAR are the frontrunners, each with its own strengths and weaknesses.

斯威夫特每年都會處理一筆驚人的150萬億美元的跨境交易。為了跟上時代，他們正在嘗試區塊鏈。 Ripple的XRP和Hedera的Hbar是領先者，每個人都有自己的優點和缺點。

XRP: The Early Adopter

XRP：早期採用者

XRP has already made serious inroads with financial institutions. Ripple's On-Demand Liquidity (ODL) service is used by over 300 institutions and processed $2.5 billion in transactions in Q3 2025 alone. Big names like SBI Holdings and American Express are using XRP to slash settlement times and fees. HBAR, despite being in SWIFT trials, hasn't seen the same level of real-world integration.

XRP已經與金融機構嚴重侵犯。 Ripple的按需流動性（ODL）服務被超過300家機構使用，僅第三季度2025年就處理了25億美元的交易。 SBI Holdings和American Express之類的知名人士正在使用XRP來削減定居時間和費用。 HBAR儘管受到了迅速的試驗，但並未看到相同水平的現實整合。

Regulatory Clarity: XRP's Game Changer

法規清晰度：XRP的遊戲規則改變者

Regulatory uncertainty has been a headache for crypto, but XRP caught a break in August 2025 when the SEC's case against Ripple was dismissed. This ruling paved the way for XRP ETFs, potentially unlocking billions in institutional investments. HBAR is still navigating the regulatory maze.

監管不確定性令人頭疼，但XRP在2025年8月裁定SEC針對Ripple的案件被駁回時陷入了休息。這項裁決為XRP ETF鋪平了道路，有可能在機構投資中釋放數十億美元。 HBAR仍在瀏覽監管迷宮。

Tokenomics: XRP's Deflationary Edge

Tokenomics：XRP的放流邊緣

XRP's deflationary model gives it an advantage. Ripple controls the release of tokens and periodically burns them, creating scarcity. HBAR has a fixed supply, relying on staking to incentivize holders. XRP's model makes it a more attractive store of value.

XRP的通縮模型為其提供了優勢。 Ripple控制著令牌的釋放並定期燃燒它們，從而造成稀缺。 HBAR有固定的供應，依賴於積累來激勵持有人。 XRP的模型使其成為價值的更具吸引力的存儲。

SWIFT Integration: XRP's Near-Term Win

迅速集成：XRP的近期勝利

XRP's compatibility with ISO 20022 standards and its role in RippleNet's ecosystem position it as the go-to solution for SWIFT's immediate needs. Analysts predict that even a small shift of SWIFT's transaction volume to XRP could send the token soaring. HBAR, while technically impressive, faces a steeper climb.

XRP與ISO 20022標準的兼容性及其在Ripplenet生態系統中的作用，將其視為Swift Ampertimprient需求的首選解決方案。分析師預測，即使Swift的交易量轉向XRP，也可能會發送令牌飆升。 HBAR雖然在技術上令人印象深刻，但面臨著更陡峭的攀登。

Ripplecoin Mining: A Side Hustle for XRP Holders

Ripplecoin採礦：XRP持有人的側hustle

Speaking of XRP, ever heard of Ripplecoin Mining? It's a cloud mining platform that lets you earn passive income from XRP, BTC, and ETH. They even give you a $15 bonus just for signing up. Sounds like a sweet deal, but remember to do your homework before diving in.

說到XRP，聽說過Ripplecoin採礦了嗎？這是一個雲挖掘平台，可讓您從XRP，BTC和ETH賺取被動收入。他們甚至為您提供15美元的獎金，只是為了註冊。聽起來像是一件甜蜜的交易，但請記住在潛水前做作業。

The Takeaway: XRP for Now, HBAR for Later

外賣：XRP現在，hbar待稍後

If you're looking for quick returns, XRP seems like the better bet. Its regulatory clarity, ETF potential, and institutional adoption create a positive feedback loop. HBAR, with its advanced technology and enterprise governance, is more of a long-term play. Think tokenization and micropayments in the future.

如果您正在尋找快速回報，則XRP似乎是更好的選擇。它的監管清晰度，ETF的潛力和機構採用創造了積極的反饋循環。 HBAR具有先進的技術和企業治理，更像是一項長期發揮。考慮將來的象徵化和微付款。

Final Thoughts

最後的想法

The blockchain revolution is here, and SWIFT's trials are a major step. XRP is leading the charge right now, but HBAR could have its day in the sun. As the financial world embraces blockchain, keep an eye on these tokens—they might just change the way we move money around the globe. Who knows, maybe one day we'll all be paying for our morning coffee with XRP or HBAR. Until then, stay savvy, folks!

區塊鏈革命就在這裡，Swift的審判是一步。 XRP目前正在領導指控，但HBAR可能會在陽光下度過一天。隨著金融界擁抱區塊鏈，請密切關注這些令牌 - 他們可能會改變我們在全球範圍內賺錢的方式。誰知道，也許有一天我們都會用XRP或HBAR付款。在那之前，請保持精明，伙計們！