美联储支付系统、Ripple 和 XRP：加密货币的新时代？

探讨美联储的“瘦主账户”提案以及 Ripple 的战略举措对 XRP 和更广泛的加密货币领域的潜在影响。

Fed Payment System, Ripple, and XRP: A New Era for Crypto?

美联储支付系统、Ripple 和 XRP：加密货币的新时代？

The intersection of traditional finance and blockchain technology is heating up! Recent developments surrounding the Fed payment system, Ripple, and XRP suggest a potentially transformative period for the crypto industry. Let's dive in.

传统金融与区块链技术的交汇正在升温！围绕美联储支付系统、Ripple 和 XRP 的最新发展表明加密行业可能面临变革时期。让我们深入了解一下。

The Fed's 'Skinny Master Account': A Game Changer for Ripple?

美联储的“瘦主账户”：瑞波币的游戏规则改变者？

The Federal Reserve is considering a new proposal for a “skinny master account.” This limited-access account could allow fintechs, stablecoin issuers, and even crypto-focused banks to directly access the US financial system. For Ripple, which has long sought to bridge blockchain settlements with traditional finance, this could be huge.

美联储正在考虑一项关于“精简主账户”的新提案。这个访问受限的账户可以允许金融科技公司、稳定币发行人，甚至专注于加密货币的银行直接访问美国金融体系。对于长期以来一直寻求将区块链结算与传统金融联系起来的 Ripple 来说，这可能是巨大的。

Governor Chris Waller's announcement at the Fed’s Payments Innovation Conference signals a willingness to explore integrating legally eligible firms directly into the Fed's payment rails. This access, previously limited to chartered banks, could provide real-time settlement capabilities without relying on intermediaries.

州长克里斯·沃勒在美联储支付创新会议上的声明表明愿意探索将合法合格的公司直接纳入美联储的支付轨道。这种访问权限以前仅限于特许银行，可以提供实时结算功能，而无需依赖中介机构。

Ripple's Expanding Footprint

瑞波币不断扩大的足迹

Ripple has been strategically expanding its institutional operations. The $1 billion acquisition of GTreasury is a bold move to embed blockchain liquidity solutions within corporate treasury systems. Furthermore, their backing of Evernorth, aimed at deploying XRP as an institutional liquidity asset, aligns with the growing adoption of RLUSD for real-world settlements.

Ripple 一直在战略性地扩大其机构业务。以 10 亿美元收购 GTreasury 是将区块链流动性解决方案嵌入企业财务系统的大胆举措。此外，他们对 Evernorth 的支持旨在将 XRP 作为机构流动性资产，这与 RLUSD 在现实世界结算中的日益采用相一致。

XRP Buyback and Market Confidence

XRP 回购和市场信心

Adding fuel to the fire, Ripple announced a $1 billion XRP buyback program in October 2025. This signals a commitment to strengthen market liquidity and boost investor confidence. Industry analysts believe this move could stabilize XRP's price and attract institutional investors back to the crypto market.

火上浇油的是，Ripple 于 2025 年 10 月宣布了 10 亿美元的 XRP 回购计划。这标志着其致力于增强市场流动性并提振投资者信心。行业分析师认为，此举可以稳定 XRP 的价格，并吸引机构投资者重返加密市场。

BlockDAG's Rise and Market Dynamics

BlockDAG的崛起和市场动态

While XRP navigates regulatory shifts, BlockDAG (BDAG) has emerged as a strong contender in the Layer-1 space. With a successful presale and innovative technology, BDAG is capturing attention. However, the focus on BDAG highlights the broader market's search for the next big thing, diverting some attention from XRP's potential.

在 XRP 应对监管变化的同时，BlockDAG (BDAG) 已成为 Layer-1 领域的有力竞争者。凭借成功的预售和创新技术，BDAG 正在引起人们的关注。然而，对 BDAG 的关注凸显了更广泛的市场对下一个重大事件的寻找，转移了对 XRP 潜力的一些注意力。

Potential Implications and My Take

潜在影响和我的看法

The Fed's potential adoption of the 'skinny master account' framework is a significant step towards legitimizing blockchain-based payment models. This could validate compliant projects like Ripple and accelerate the integration of stablecoins into enterprise finance. While a 'skinny' account wouldn't offer all the privileges of a full master account (like borrowing from the Fed), the critical payment capabilities it provides are invaluable. It is important to note that SEC Commissioner Paul Atkins recently suggested the regulator may take a more open approach to crypto progress, potentially unlocking new growth for assets like XRP. If buyers defend the $2.30–$2.40 support area, the next targets could reach $2.80 and $3.10.

美联储可能采用“瘦身主账户”框架，这是实现基于区块链的支付模式合法化的重要一步。这可以验证 Ripple 等合规项目，并加速稳定币与企业融资的整合。虽然“瘦”账户无法提供完整主账户的所有特权（例如从美联储借款），但它提供的关键支付功能是无价的。值得注意的是，美国证券交易委员会 (SEC) 专员保罗·阿特金斯 (Paul Atkins) 最近建议监管机构可能对加密货币的发展采取更加开放的态度，从而有可能为 XRP 等资产带来新的增长。如果买家守住 2.30 美元至 2.40 美元的支撑区域，下一个目标可能会达到 2.80 美元和 3.10 美元。

Final Thoughts

最后的想法

The future looks bright for the intersection of traditional finance and crypto. With regulatory winds potentially shifting and innovative projects like Ripple pushing boundaries, it's an exciting time to be watching the evolution of the Fed payment system, XRP, and the broader digital asset landscape. Who knows, maybe one day we'll all be settling our coffee tabs with XRP!

传统金融与加密货币的交叉前景一片光明。随着监管风向可能发生变化，以及 Ripple 等创新项目不断突破界限，现在是关注美联储支付系统、XRP 和更广泛的数字资产格局演变的激动人心的时刻。谁知道呢，也许有一天我们都会用 XRP 来结算我们的咖啡账单！