两个备受瞩目的第1层区块链HEDERA HASHGRAPH（HBAR）和RIPPLE（XRP）正在将其与机构采用中的关注进行斗争。

在埃里克·特朗普（Eric Trump）的最新声明说，迅速企业集团行使的金融体系是“过时的”之后，随着分布式分类帐变得更大，Hedera Hashgraph（HBAR）的机会将被实施到Swift。

Two high-profile Layer-1 blockchains - Hedera Hashgraph (HBAR) & Ripple (XRP) - are battling it out for attention in institutional adoption. After Eric Trump’s latest statement that the financial system exercised by the SWIFT conglomerate is "out-dated", the chances that Hedera Hashgraph would be implemented onto SWIFT as a distributed ledger became bigger.

两个备受瞩目的第1层区块链 - Hedera Hashgraph（HBAR）和Ripple（XRP） - 在机构采用的情况下与之抗争。在埃里克·特朗普（Eric Trump）的最新声明说，迅速企业集团行使的金融体系是“过时的”之后，随着分布式分类帐变得更大，Hedera Hashgraph的机会将被实施到Swift。

Is HBAR & SWIFT The Perfect Match?

HBAR＆SWIFT是完美的比赛吗？

According to crypto analysts, it’s plausible that HBAR & SWIFT integration could happen to avoid a "rip & replace" situation. However, if Donald Trump’s team were to impose restrictions on the traditionally-working SWIFT banking system, Ripple (XRP) would also qualify as the main contender for SWIFT integration.

根据加密分析师的说法，HBAR和SWIFT集成可能避免“ RIP＆替换”情况是合理的。但是，如果唐纳德·特朗普（Donald Trump）的团队对传统上的迅速银行体系施加限制，那么Ripple（XRP）也将成为迅速集成的主要竞争者。

To determine whether HBAR or XRP has the one-up in SWIFT integration, it’s important to follow the official statements. A few months ago, SWIFT’s Alisa DiCaprio made an appearance at the HederaCon in Denver, Colorado. She acknowledged the rising need for instantly settled cross-border transactions, as the usual 2-4 business day timeframe fails to meet expectations.

为了确定HBAR或XRP是否具有Swift集成中的一个单位，重要的是要遵循官方声明。几个月前，Swift的Alisa DiCaprio在科罗拉多州丹佛市的Hederacon露面。她承认对立即定居的跨境交易的需求不断上升，因为通常的2-4个工作日时间表无法满足期望。

And so, the HBAR on SWIFT testing was confirmed by the Head of Industry Engagement at SWIFT, giving more substance to the tongues wagging across social media channels.

因此，Swift的行业参与负责人证实了Swift测试的HBAR，从而为跨社交媒体渠道摇摆的舌头提供了更多的实质性。

XRP Sees Multi-Trillion Dollar Chance

XRP看到了数万亿美元的机会

In contrast, Ripple CEO Brad Garlinghouse’s approach to XRP & SWIFT partnership talks is a bit more competitive. In the latest interview for FOX Business, Mr. Garlinghouse stated that the Society for Worldwide Interbank Financial Telecommunications (SWIFT) would definitely require XRP’s assistance to modernize the infrastructure that was developed 50 years ago and would share some of the $155 trillion cross-border market.

相比之下，Ripple首席执行官Brad Garlinghouse对XRP和Swift合作伙伴谈判的方法更具竞争力。在对FOX商业的最新采访中，Garlinghouse先生表示，全球银行间财务电信协会（SWIFT）肯定需要XRP的援助来现代化50年前开发的基础设施，并将分享155万亿美元的跨境市场中的一些。

Breaking down the stats, Hedera’s decentralized finance ecosystem (DeFi) currently has an edge with $194.98 million in total value locked (TVL). Meanwhile, Ripple’s XRP Ledger has $80 million on lock, even though Ripple (XRP) has nearly 10 times the trading volume on Spot markets. This hints at XRP already replacing SWIFT for some cross-border transactions, despite the two financial behemoths never inking a partnership deal.

打破了统计数据，Hedera的分散金融生态系统（DEFI）目前具有1.9498亿美元的总价值锁定（TVL）的优势。同时，尽管Ripple（XRP）在现货市场上的交易量近10倍，但Ripple的XRP Ledger锁定了8000万美元。这暗示了XRP已经取代了Swift进行一些跨境交易，尽管有两个财务巨头从未达成合伙交易。

On The Flipside

在另一面

Why This Matters

为什么这很重要

By 2027, at least 70% are bound to be credited within the hour of signing the transaction. Blockchain technology covers this need, but lacks regulatory compliance in comparison to SWIFT.

到2027年，至少有70％的人注定会在签署交易的小时内获得贷方。区块链技术涵盖了这一需求，但与Swift相比，缺乏法规合规性。