Ripple首席执行官Brad Garlinghouse预测，到2025年，XRP Ledger将捕获Swift全球流动性的14％

Ripple首席执行官布拉德·加林豪斯（Brad Garlinghouse）在新加坡举行的XRP Ledger 2025会议上对公司的未来市场地位做出了大胆的预测。

Brad Garlinghouse, CEO of Ripple, made a bold prediction about the company’s future market position during the XRP Ledger Apex 2025 conference in Singapore. According to Garlinghouse, the XRP Ledger could capture 14% of SWIFT’s global liquidity within the next five years.

Ripple首席执行官Brad Garlinghouse在新加坡举行的XRP Ledger Apex 2025会议上对公司的未来市场地位做出了大胆的预测。据加林豪斯（Garlinghouse）称，XRP分类帐可以在未来五年内捕获Swift全球流动性的14％。

This prediction was based on the growing adoption of the XRP Ledger among financial institutions for cross-border payments. As more organizations turn to institutional-grade blockchain technology, Garlinghouse believes that XRP Ledger’s speed and cost advantages will become increasingly apparent.

这一预测是基于XRP分类帐在金融机构中越来越多地采用跨境支付。随着越来越多的组织转向机构级的区块链技术，Garlinghouse认为，XRP Ledger的速度和成本优势将变得越来越明显。

Traditional SWIFT transactions typically take between one to five days to settle, while XRP Ledger transactions can be processed and settled within seconds. This difference in speed is crucial for institutions moving large amounts of capital.

传统的Swift交易通常需要一到五天才能解决，而XRP Ledger Transactions可以在几秒钟内处理和解决。速度的这种差异对于移动大量资本的机构至关重要。

Financial organizations are looking to improve their operational efficiency, and faster settlement times are a key factor.

金融组织正在寻求提高其运营效率，更快的和解时间是关键因素。

The cost difference between the two systems also favors XRP Ledger. Traditional SWIFT transfers can cost around $150 for a $30,000 transaction.

两个系统之间的成本差也有利于XRP分类帐。传统的Swift Transfers的费用约为150美元，用于30,000美元的交易。

In comparison, XRP Ledger’s transaction fees are significantly lower, which could result in substantial cost savings for banks and financial institutions.

相比之下，XRP Ledger的交易费用大大降低，这可能会为银行和金融机构节省大量成本。

These advantages have contributed to increased adoption of the XRP Ledger platform. Recent data shows that XRP payment volume has increased by 1,300% to reach $4.11 billion.

这些优势有助于增加XRP Ledger平台的采用。最近的数据显示，XRP支付量增加了1,300％，达到41.1亿美元。

This surge in payment volume underscores the growing institutional interest in the platform as organizations seek alternatives to traditional payment systems.

当组织寻求替代传统支付系统的替代方案时，付款量的激增突显了该平台不断增长的机构利益。

Many institutions are looking for faster and more cost-effective solutions for cross-border transactions, and blockchain technology is emerging as a viable option.

许多机构正在为跨境交易寻求更快，更具成本效益的解决方案，而区块链技术正在成为可行的选择。

With its speed, cost efficiency, and institutional focus, the XRP Ledger is well-positioned to continue capturing market share from SWIFT in the coming years.

XRP Ledger凭借其速度，成本效率和机构重点，可以在未来几年继续从Swift捕捉市场份额。

However, it remains to be seen how quickly the XRP Ledger can achieve 14% of SWIFT’s liquidity.

但是，XRP分类帐能够达到Swift流动性的14％，还有待观察。

SWIFT has been the dominant player in cross-border payments for decades, and its network has widespread adoption among financial institutions worldwide.

几十年来，斯威夫特一直是跨境支付的主要参与者，其网络在全球金融机构中广泛采用。

Moreover, technical considerations, such as auditing challenges in financial transactions, are also important factors that will influence the development of next-generation payment systems.

此外，技术考虑因素（例如金融交易中的审计挑战）也是影响下一代支付系统发展的重要因素。

Despite these challenges, Garlinghouse’s prediction highlights the potential for blockchain technology to disrupt the traditional financial landscape and create new opportunities for innovation and efficiency.

尽管面临这些挑战，但加林豪斯的预测突出了区块链技术破坏传统金融景观并创造创新和效率的新机会的潜力。