如果Ripple超越Swift，XRP的價格高高飆升？

Ripple多年來一直在努力徹底改變跨境支付。它的加密貨幣XRP承諾更快，更便宜，更有效的交易

"How High Could XRP Price Soar If Ripple Overtakes SWIFT?" A recent video from Cheeky Crypto explored the possibility of Ripple taking on SWIFT and the surprising numbers that emerge.

“如果Ripple超越Swift，XRP的價格高高飆升？” Cheeky Crypto最近的一段視頻探索了Ripple接管Swift的可能性以及出現的令人驚訝的數字。

The analyst, who prefers to remain anonymous, broke down the size of the prize and the key hurdles in this unique competitive landscape.

寧願保持匿名的分析師打破了這一獨特的競爭格局的獎金和關鍵障礙。

SWIFT processes about $5 trillion per day in transactions, which adds up to roughly $1.25 quadrillion each year. If Ripple were to capture 10% of that flow using XRP for cross-border payments, it would mean $125 trillion in transactions annually through Ripple’s network.

Swift流程每天約5萬億美元的交易，每年約為12.25億美元。如果波紋使用XRP用於跨境支付捕獲該流量的10％，則意味著每年通過Ripple的網絡每年進行125萬億美元的交易。

Considering the total supply of XRP is about 100 billion coins, even a conservative 10% market share for SWIFT’s market would put XRP price at around $100. In a more aggressive takeover scenario, where Ripple essentially replaces SWIFT, the analyst suggested XRP could theoretically hit prices around $1,000 per token.

考慮到XRP的總供應約為1000億個硬幣，即使是Swift市場的保守10％的市場份額也將XRP價格左右100美元。在更具侵略性的接管情況下，Ripple基本上取代了Swift，分析師建議XRP從理論上講，每個令牌的價格可能會達到1,000美元左右。

Of course, the XRP price at the time of the post sits far below those figures. But the numbers aren’t just wild guesses.

當然，帖子時的XRP價格遠低於這些數字。但是數字不僅是狂野的猜測。

The post adds that Ripple already boasts incredible transaction speeds (3–5 seconds) and extremely low fees (fractions of a cent) and has a tiny error rate (0.1%) compared to SWIFT’s 6%. These technical advantages make Ripple an attractive alternative for banks and financial institutions seeking modernization.

該帖子補充說，Ripple已經擁有令人難以置信的交易速度（3-5秒）和極低的費用（分數為CENT），並且與Swift的6％相比，錯誤率很小（0.1％）。這些技術優勢使波紋成為尋求現代化的銀行和金融機構的誘人替代品。

However, the analysis also touched upon the main obstacle: the SEC lawsuit against Ripple. This litigation has been a major barrier to major U.S. institutions adopting XRP, despite the pressing need for faster and cheaper cross-border payments.

但是，分析也涉及主要障礙：針對Ripple的SEC訴訟。儘管迫切需要更快，更便宜的跨境支付，但該訴訟一直是美國主要機構採用XRP的主要障礙。

Recently, there have been positive developments. According to the crypto YouTube channel, the SEC has reportedly dropped its main claims against Ripple. When that news broke, the XRP price immediately jumped nearly 14%, reaching close to $2.56 at the time.

最近，有積極的發展。根據加密YouTube頻道的說法，據報導，SEC已對Ripple提出了主要主張。當該消息傳出時，XRP價格立即上漲了近14％，當時達到2.56美元。

The final stages of the legal battle are still playing out, but on a broader level, regulatory clarity is improving around the world. Europe’s MiCA regulations, the UK’s moves toward a digital pound, and institutions like the Bank for International Settlements (BIS) are pushing for greater integration of blockchain and crypto.

法律鬥爭的最後階段仍在進行，但是在更廣泛的層面上，監管清晰度正在改善全球。歐洲的雲母法規，英國朝著數字英鎊的邁進，國際定居銀行（BIS）等機構正在推動更大的區塊鍊和加密貨幣的整合。

It’s also crucial to understand that even if Ripple prevails in the lawsuit and regulatory fears subside, the transition won’t be immediate.

也至關重要的是要了解，即使波紋在訴訟中佔上風和監管恐懼消退，過渡也不會立即發生。

Convincing the world’s banks to abandon SWIFT’s infrastructure, which has been in place for decades, will take time. Financial systems are like old cities; people aren’t keen on tearing up the roads unless they are completely sure the new plumbing works better and is more efficient.

說服世界銀行放棄已經建立了數十年的Swift的基礎設施將需要時間。金融系統就像舊城市一樣；除非人們完全確定新的管道效果更好並且更有效，否則人們不會渴望撕毀道路。

But Ripple does have strong talking points. Its technology offers nearly instant settlement times, huge cost savings, energy efficiency, and compatibility with emerging systems like CBDCs (Central Bank Digital Currencies). In essence, the analyst compared Ripple to a “universal USB-C cable” capable of seamlessly connecting different financial systems, further boosting XRP’s real-world value.

但是Ripple確實有很強的話題。它的技術提供了幾乎即時的結算時間，巨大的成本節省，能源效率以及與CBDC（中央銀行數字貨幣）等新興系統的兼容性。本質上，分析師將波紋與能夠無縫連接不同金融系統的“通用USB-C電纜”進行了比較，從而進一步提高了XRP的現實世界價值。

In the broader scheme, Ripple has already begun making inroads. Through partnerships in countries like Japan, Mexico, and the Philippines, Ripple is already making a presence in the market share of financial institutions.

在更廣泛的計劃中，Ripple已經開始侵入。通過在日本，墨西哥和菲律賓等國家的合作夥伴關係，Ripple已經在金融機構的市場份額中佔有一席之地。

The post highlighted that a major turning point could come when a significant bank, like JPMorgan or HSBC, makes a public announcement about switching to RippleNet for its international transactions.

該帖子強調，當摩根大通（JPMorgan）或匯豐銀行（HSBC）這樣的重要銀行公開宣布有關改用Ripplenet進行國際交易時，可能會有一個重大的轉折點。

That bit of news would likely send the XRP price soaring even higher from where it sits today.

這些消息可能會使XRP價格從今天的位置上升到更高。

If we’re looking at the bigger picture with Patrick Bet-David’s projections, if Ripple captures just 10% of SWIFT’s market share, then a $100 XRP price is a realistic possibility.

如果我們通過Patrick Bet-David的預測來查看更大的局面，如果Ripple僅捕獲了Swift市場份額的10％，那麼100美元的XRP價格是現實的可能性。

And if Ripple were to capture the entire market in a complete takeover, then those four-digit XRP price dreams (like $1,000 and beyond) could come true, though that remains highly speculative at best.

而且，如果Ripple要完全收購整個市場，那麼那些四位數的XRP價格夢（例如1,000美元及以後）可能會成真，儘管這充其量仍然是高度投機的。

At the time of the post, XRP’s market cap and price are still a fraction of those ambitious targets. But as history has shown, technological shifts often seem impossible until they happen. Blockbuster laughed at Netflix, and we all know how that turned out.

在發佈時，XRP的市值和價格仍然是這些雄心勃勃的目標的一小部分。但是正如歷史所表明的那樣，直到發生技術轉變似乎是不可能的。大片嘲笑Netflix，我們都知道結果如何。

So, while a complete takeover of SWIFT might seem like a gargantuan task, it’s not an impossible one. Especially not in an age where institutions are increasingly turning to blockchain for solutions.

因此，儘管完全收購Swift似乎是一項巨大的任務，但這並不是一件不可能的任務。尤其不是在機構越來越多地轉向區塊鏈尋求解決方案的時代。

Instead of promising the moon, Ripple is offering a solution to a very old problem. And if even a portion of the world’s financial institutions choose speed, efficiency, and lower costs in their cross-border transactions, then Ripple and XRP could be standing at the front of a major financial revolution.

Ripple沒有承諾月球，而是為一個非常古老的問題提供解決方案。而且，即使是全球金融機構的一部分選擇速度，效率和較低的跨境交易成本，那麼Ripple和XRP也可能站在重大金融革命的前面。

Whether you believe in $100 or $1,000 XRP, one thing is clear: this battle between Ripple and SWIFT is just getting started.

無論您相信100美元還是1,000美元的XRP，一件事都是很明顯的：Ripple和Swift之間的這場戰鬥才剛剛開始。