XRP Ledger隨著Swift的交易量的下降：全球付款的新時代嗎？

隨著XRP分類帳活動爆炸，Swift的交易量下降了15％。 XRP是跨境財務的未來嗎？

XRP Ledger Surges as SWIFT's Transaction Volume Declines: A New Era for Global Payments?

XRP Ledger隨著Swift的交易量的下降：全球付款的新時代嗎？

The winds are shifting in global finance. SWIFT, the long-reigning champion of cross-border payments, is showing signs of slowing down. Meanwhile, the XRP Ledger (XRPL) is picking up serious speed, positioning itself as a potential disruptor in the world of international money transfers. Could XRP be the future of global payments? Let's dive in.

在全球金融中，風正在發生變化。斯威夫特（Swift）是跨境付款的長期重組的擁護者，正在顯示放慢腳步的跡象。同時，XRP Ledger（XRPL）正在採取嚴重的速度，將自己定位為國際貨幣轉移界的潛在破壞者。 XRP可以是全球付款的未來嗎？讓我們潛水。

SWIFT's Grip Loosens

斯威夫特的抓地力鬆動

For decades, SWIFT has been the go-to system for secure messaging between banks, connecting over 11,000 financial institutions across more than 200 countries. But SWIFT isn't a settlement system itself. It's more like a messenger, sending payment instructions that still rely on a network of correspondent banks to actually move the money. This process can take days and rack up hefty fees.

幾十年來，Swift一直是銀行之間安全消息傳遞的首選系統，在200多個國家 /地區連接了11,000多個金融機構。但是Swift並不是解決系統本身。這更像是一個使者，發送付款說明仍然依靠通訊銀行網絡來實際移動這筆錢。這個過程可能需要幾天的費用，並收取大量費用。

According to XRP Avengers, SWIFT's transaction volume has dropped by a notable 15%. While SWIFT has tried to improve with its GPI upgrade, settlement times still average one to five days, and fees remain high. This is where the XRP Ledger comes in.

根據XRP Avengers的說法，Swift的交易量下降了15％。儘管Swift試圖通過其GPI升級來改進，但定居時間仍然平均1到五天，並且費用仍然很高。這是XRP Ledger進來的地方。

XRP Ledger: The Fast and Furious Alternative

XRP Ledger：速度與激情的選擇

The XRP Ledger offers a radically different approach. Transactions settle in just 3-5 seconds, and fees are often less than a penny. Plus, there's no need for those slow and expensive intermediary banks. With its native token, XRP, providing on-chain liquidity, the XRPL is increasingly being integrated into real-world payment networks. RippleNet further enhances the XRPL by connecting financial institutions directly to blockchain settlement in real-time.

XRP Ledger提供了一種根本不同的方法。交易僅在3-5秒內就解決了，費用通常小於一分錢。另外，不需要那些緩慢而昂貴的中介銀行。憑藉其本機代幣XRP提供鏈上流動性，XRPL越來越多地集成到現實世界中的支付網絡中。 Ripplenet通過直接將金融機構實時連接到區塊鏈解決方案來進一步增強XRPL。

The Numbers Don't Lie

數字不撒謊

At the 2025 Apex XRPL Summit in Singapore, Ripple CEO Brad Garlinghouse predicted that the XRP Ledger could capture 14% of SWIFT’s total transaction volume within five years. That’s a massive shift of over $21 trillion! If XRP were to handle even a fraction of this volume, the implications would be immense, potentially driving XRP's price into the double digits. Experts suggest that XRP’s price could surge into the double digits, with estimates ranging from $11 to $25 per token.

在新加坡舉行的2025年Apex XRPL峰會上，Ripple首席執行官Brad Garlinghouse預測，XRP Ledger可以在五年內捕獲Swift總交易量的14％。這是超過21萬億美元的大規模轉變！如果XRP甚至要處理此卷的一小部分，那麼含義將是巨大的，有可能將XRP的價格推向雙位數。專家認為，XRP的價格可能會漲到兩位數，估計為每個令牌11美元至25美元。

Why the XRPL is Gaining Ground

為什麼XRPL正在獲得地面

The appeal of the XRPL is clear: real-time settlement, cost efficiency, transparency, and interoperability. It removes the need for pre-funded accounts, reduces operational overhead, and enables financial institutions to track payments end-to-end in a single, unified ledger. As XRP Avengers pointed out, global payments are shifting, and XRP is positioning itself at the center of this new financial era.

XRPL的吸引力很明顯：實時解決，成本效率，透明度和互操作性。它消除了對預先資助的帳戶的需求，減少了運營開銷，並使金融機構能夠在單個統一的分類帳中端到端跟踪付款。正如XRP復仇者聯盟指出的那樣，全球付款正在轉移，XRP將自己定位在這個新的金融時代的中心。

A Personal Take

個人看法

While the data paints a compelling picture, it's important to remember that the financial world is complex. SWIFT isn't going to disappear overnight. However, the trends are undeniable. The demand for faster, cheaper, and more transparent cross-border payments is growing, and the XRP Ledger is well-positioned to meet that demand. Given current adoption rates, the XRPL could soon become more than just an alternative; it could become the new backbone of cross-border finance.

儘管數據繪製了令人信服的圖片，但重要的是要記住，金融世界很複雜。斯威夫特不會在一夜之間消失。但是，趨勢是不可否認的。對更快，更便宜和更透明的跨境支付的需求正在增長，XRP Ledger良好的位置可以滿足這一需求。鑑於當前的採用率，XRPL很快可能不僅成為一種替代方案。它可能成為跨境金融的新骨幹。

So, What's Next?

那麼，下一步是什麼？

Keep an eye on those transaction volumes and adoption rates. The race is on, and it's going to be fascinating to see how this all plays out. One thing's for sure: the future of global payments is looking a whole lot faster and more efficient. Buckle up, buttercup, because the world of finance is about to get a whole lot more interesting!

密切關注這些交易量和採用率。比賽開始了，看到這一切的表現將很有趣。可以肯定的是：全球付款的未來看起來要快得多，效率更高。 Buttercup系列，因為金融世界將變得更加有趣！