为什么银行关注瑞波币

加密货币投资者和分析师 CryptoTank 强调了银行使用 XRP 而不是其他数字代币或中央银行数字货币（CBDC）的几个原因。

XRP, the cryptocurrency linked to Ripple Labs Inc., is often touted as a bridge currency that can be integrated into the traditional banking sector. Currently, there is a lot of discussion about why banks should use XRP for payments.

XRP 是与 Ripple Labs Inc. 相关的加密货币，经常被誉为可以融入传统银行业的桥梁货币。目前，关于银行为什么应该使用 XRP 进行支付的讨论很多。

Here's Why Banks Are Considering Ripple

这就是银行考虑瑞波币的原因

In an X post, crypto investor and analyst CryptoTank outlined several reasons why banks would choose XRP over other digital tokens or a Central Bank Digital Currency (CBDC).

在 X 帖子中，加密货币投资者和分析师 CryptoTank 概述了银行选择 XRP 而不是其他数字代币或中央银行数字货币（CBDC）的几个原因。

Firstly, the analyst highlighted that the traditional banking sector is competitive, with smaller banks vying for market share and customers against larger institutions like JPMorgan.

首先，分析师强调，传统银行业竞争激烈，小型银行与摩根大通等大型机构争夺市场份额和客户。

In this scenario, he argues that banks would be hesitant to accept each other's digital token or CBDC, as it would give a competitive advantage to their larger counterparts. Smaller banks' agreement could give bigger banks total control over how the tokens are issued and used. Essentially, the analyst suggested that the larger banks could set厳しいconditions that could drive the smaller banks out of business.

在这种情况下，他认为银行会犹豫是否接受彼此的数字代币或 CBDC，因为这会给规模较大的同行带来竞争优势。小型银行的协议可以让大型银行完全控制代币的发行和使用方式。从本质上讲，分析师建议大型银行可以设定可能迫使小型银行破产的条件。

"If they agreed to that the the Big bank could set the terms and control how that token is issued, used, etc to the smaller banks. Essentially able to put them out of business if they wanted to. Which of course they do…"

“如果他们同意大银行可以制定条款并控制如何向小银行发行、使用代币等。如果他们愿意的话，基本上可以让他们破产。他们当然会这么做……”

CryptoTank's second point centered on liquidity, emphasizing how banks are eager to obtain liquidity that is easily accessible, cheap, and has low to no friction.

CryptoTank的第二点围绕流动性，强调银行如何渴望获得容易获得、廉价且低摩擦甚至无摩擦的流动性。

He pointed out that the SWIFT network, which was created as a payment solution for financial institutions, still lags behind in terms of technology. The analyst noted that the network is slow, expensive, and frictional, which limits its adoption by traditional banks.

他指出，作为金融机构支付解决方案而创建的SWIFT网络在技术方面仍然落后。这位分析师指出，该网络速度慢、成本高且存在摩擦，这限制了传统银行的采用。

The analyst highlighted that the core concept for the new financial system and digital age is the seamless transfer of value, adding that the BRICS alliance was formed by countries seeking freedom from the traditional banking system. According to the analyst, the United States and the United Kingdom have had the power over sanctions, which often caused financial harm to them.

这位分析师强调，新金融体系和数字时代的核心概念是价值的无缝转移，并补充说金砖国家联盟是由寻求摆脱传统银行体系的国家组成的。这位分析师表示，美国和英国拥有制裁权力，这往往给它们造成经济损失。

"Documents from the BIS, IMF, and WEF state a neutral bridge currency is needed to provide a seamless transfer of value globally. This would clear any friction or failed transactions and allow banks to free up their Nostro Vostro accounts."

“国际清算银行、国际货币基金组织和世界经济论坛的文件指出，需要一种中立的桥梁货币来在全球范围内提供无缝的价值转移。这将消除任何摩擦或失败的交易，并允许银行释放其往来账户。”

Comparing XRP to XLM as a Solution for Financial Freedom

XRP 与 XLM 作为财务自由解决方案的比较

Many speculate that Stellar's XLM could be used for seamless value transfer instead of XRP, but CryptoTank pointed out that XLM was created for smaller peer-to-peer transactions and banking the unbanked globally, not as a bridge currency.

许多人猜测 Stellar 的 XLM 可以代替 XRP 用于无缝价值转移，但 CryptoTank 指出，XLM 是为较小的点对点交易和为全球无银行账户的人提供银行服务而创建的，而不是作为桥梁货币。

On the other hand, he noted that XRP is not a utility token. The analyst describes XRP as a token that was created specifically for transferring large sums of value at a low cost, high speed, and without friction.

另一方面，他指出 XRP 不是实用代币。这位分析师将 XRP 描述为一种代币，专门用于以低成本、高速且无摩擦地转移大量价值。

The analyst highlighted how Ripple uses XRP as a bridge asset to move value for its On-Demand Liquidity (ODL). As reported in an earlier CNF post, wealth advisor Mickle stated that demand for XRP among market makers will increase as global ODL transactions expand.

这位分析师强调了 Ripple 如何使用 XRP 作为桥梁资产来转移其按需流动性（ODL）的价值。正如 CNF 之前的一篇文章所报道的，财富顾问 Mickle 表示，随着全球 ODL 交易的扩大，做市商对 XRP 的需求将会增加。

CryptoTank highlights Ripple's partnership with the BIS, IMF, WEF, and central banks, further strengthening XRP's case as the suitable bridge currency.

CryptoTank 强调了 Ripple 与国际清算银行、国际货币基金组织、世界经济论坛和中央银行的合作关系，进一步强化了 XRP 作为合适桥梁货币的地位。

“Sitting at the head tables with the Global leaders of Finance and Banking. Crafting the rules, regulations, and how the new system will work…It doesn't take a genius to see where this is going.”

“与全球金融和银行业领导人坐在主桌。制定规则、规定以及新系统如何运作……不需要天才就能看出这将走向何方。”