XRP，XRP Ledger（XRPL），Ripple及其相关技术的最全面的单页说明

这篇文章介绍了XRP的新移民和长期支持者。他还鼓励社区彻底阅读文档，强调其深度和清晰度。

Software engineer and blockchain advocate Vincent Van Code has highlighted what he describes as the most comprehensive single-page explanation of XRP, the XRP Ledger (XRPL), and their associated technologies by Ripple.

软件工程师和区块链倡导者Vincent Van Code强调了他所描述的XRP，XRP Ledger（XRPL）及其相关技术的最全面的单页解释。

In a post on X, originally Twitter, he addressed both newcomers and long-time supporters of XRP. He urged the community to read the 21Shares blog post titled “XRP: SWIFT on the Blockchain”.

在最初是Twitter的X上的帖子中，他向XRP的新移民和长期支持者致辞。他敦促社区阅读21shares博客文章，标题为“ XRP：Swift在区块链上”。

Van Code went on to say that if people get bored or don’t bother reading it then they really shouldn’t go anywhere near XRP.

Van Code继续说，如果人们感到无聊或不打扰阅读，那么他们真的不应该在XRP附近走任何地方。

The post by 21Shares offers a structured and technically grounded overview of the XRP Ledger, the technology stack developed by Ripple, and the broader financial ecosystem in which these components operate. It begins by situating the XRPL as one of the earliest blockchain networks, having launched in 2012.

21shares的帖子提供了XRP分类帐，Ripple开发的技术堆栈以及这些组件运行的更广泛的金融生态系统的结构化概述。首先将XRPL置于2012年推出的最早的区块链网络之一。

Developed by Ripple Labs, XRPL was specifically designed to improve the efficiency of traditional financial systems, forming the foundation for RippleNet, a global payments network that benefits from the ledger’s high speed and low transaction costs.

XRPL由Ripple Labs开发，专门设计用于提高传统金融系统的效率，为Ripplenet构成基础，Ripplenet是一个全球支付网络，从分类帐的高速和低交易成本中受益。

The native token XRP is an essential component of XRPL’s operation, used for paying transaction fees, deterring spam, and facilitating bridge assets for cross-border transfers. With transaction costs typically measured in fractions of a cent, the XRPL is presented as one of the most cost-effective blockchain platforms today.

天然令牌XRP是XRPL操作的重要组成部分，用于支付交易费用，阻止垃圾邮件和促进跨境转移的桥梁资产。由于通常以百分之份的交易成本来衡量的交易成本，XRPL被视为当今最具成本效益的区块链平台之一。

The blog post elaborates on the XRPL’s multifaceted capabilities. Beyond its core function in facilitating cross-border payments, the network supports tokenizing real-world assets (RWAs), decentralized exchange functions, escrow mechanisms, and built-in compliance tools.

博客文章详细介绍了XRPL的多方面功能。除了其在促进跨境支付方面的核心功能外，该网络还支持对现实世界的资产（RWAS），分散的交换功能，托管机制和内置合规性工具。

These features make the XRPL well-suited for complex financial applications, including liquidity provisioning and decentralized finance (DeFi). Native support for NFTs, synthetic assets, and stablecoins also positions the XRPL as a competitive platform for broader asset management use cases.

这些功能使XRPL非常适合复杂的财务应用，包括流动性供应和分散财务（DEFI）。对NFT，合成资产和Stablecoins的本地支持也将XRPL定位为更广泛的资产管理用例的竞争平台。

While the XRPL base layer does not support arbitrary smart contracts—a conscious decision to prioritize security and stability over maximalist programmability—it does integrate Ethereum-compatible sidechains that provide this functionality and expand use cases without compromising the main ledger’s performance.

尽管XRPL基础层不支持任意智能合约（有意识地确定优先级安全性和稳定性优先于最大值可编程性），但它确实整合了以太坊兼容的侧技术，这些侧链提供了提供此功能并扩展用例，而不会损害主要分类帐的性能。

The document offers a detailed explanation of how the XRP Ledger achieves consensus—a critical aspect of any blockchain's operation. It does not rely on energy-intensive mining or wealth concentration, as seen in Proof-of-Work or Proof-of-Stake systems.

该文档对XRP Ledger如何达到共识，这是任何区块链操作的关键方面。它不依赖能源密集型采矿或财富集中度，如工作证明或验证系统中所见。

Instead, XRPL employs a unique consensus protocol that enables fast and secure transaction validation without heavy computational overhead. This operational efficiency is a key reason for its longstanding viability in enterprise and institutional use cases.

取而代之的是，XRPL采用了独特的共识协议，该协议可以在没有大量计算开销的情况下快速安全的交易验证。这种运营效率是其在企业和机构用例中长期生存能力的关键原因。

The article further explains how RippleNet connects financial institutions and payment providers through a unified network that enables real-time fund transfers. Within this network, products like xCurrent, xRapid, and xVia serve distinct roles.

本文进一步解释了Ripplenet如何通过统一网络连接金融机构和付款提供商，该网络可以实时转移。在该网络中，Xcurrent，Xrapid和XVIA等产品扮演着独特的角色。

xCurrent allows for real-time cross-border payments using banks’ existing infrastructure and messaging systems, while xRapid utilizes XRP to provide liquidity on demand, reducing the need for pre-funded accounts. xVia offers a simplified interface for businesses to send global payments with added metadata, such as invoices or shipping information.

Xcurrent允许使用银行现有的基础架构和消息传递系统实时跨境支付，而Xrapid则利用XRP按需提供流动性，从而减少了对预资助的帐户的需求。 XVIA为企业提供了一个简化的界面，以发送全球付款，并增加了元数据，例如发票或运输信息。

Each solution contributes to a cohesive strategy to replace outdated financial messaging systems like SWIFT with a blockchain-based alternative that is faster, cheaper, and more transparent.

每种解决方案都有助于一种具有凝聚力的策略，可以用基于区块链的替代方案替换过时的金融消息系统，该替代速度更快，更便宜且更透明。

The document also touches upon the growing institutional interest in RippleNet, mentioning partnerships with central banks and the tokenization of U.S. Treasuries through a collaboration with Ondo Finance. It highlights Ripple’s RLUSD, a U.S. dollar-pegged stablecoin, that expands XRP’s utility in retail and institutional markets.

该文件还涉及Ripplenet的机构兴趣日益增长，提到与中央银行的合作伙伴关系以及通过与Ondo Finance的合作来实现美国国债的令牌。它突出了Ripple的Rlusd，这是一款美元的稳定稳定性，它扩大了XRP在零售和机构市场中的效用。

By showcasing Ripple’s expanding suite of financial products, its alignment with global regulatory trends, and its ongoing technical development, the document makes a compelling case for XRP and XRPL as foundational tools in the evolution of cross-border finance.

通过展示Ripple不断扩大的金融产品套件，其与全球监管趋势的一致性以及其持续的技术开发，该文件为XRP和XRPL作为跨境财务发展的基础工具提供了令人信服的案例。