Swift，以太坊和区块链分类帐：全球金融的新时代？

斯威夫特（Swift）通过以太坊的Linea进入区块链，这是一个重大转变，可能重塑了全球金融，并挑战了Ripple的XRP等现有系统。

Yo, what's the deal with Swift steppin' into the blockchain game? They're not just dipping their toes; they're cannonballing into the deep end with Ethereum and blockchain ledgers. Let's break down what this all means for the future of money.

哟，Swift Steppin'进入区块链游戏有什么关系？他们不只是俯冲脚趾；他们用以太坊和区块链分类帐进入了深处。让我们分解这对金钱的未来意味着什么。

Swift's Blockchain Leap: Ethereum's Linea Takes Center Stage

斯威夫特的区块链飞跃：以太坊的血统占据了中心地位

Swift, the big kahuna of global payments, is making some serious moves. They're teaming up with Consensys to integrate a blockchain-based shared ledger into their massive network. This ain't some small-time operation; we're talkin' about over 30 financial institutions collaborating on this project. The goal? To modernize payments and throw some shade at the rising stablecoin craze.

斯威夫特（Swift）是全球付款的大卡胡纳（Kahuna），正在采取一些严重的行动。他们正在与共识合作，将基于区块链的共享分类帐集成到他们的大型网络中。这不是小型操作；我们谈论30多个金融机构在该项目上合作。目标？为了使付款现代化并在上升的Stablecoin热潮中投入一些阴影。

And guess what? They chose Linea, an Ethereum Layer 2 blockchain, for on-chain bank messaging. Sorry, XRP fans, but Swift went with Linea-based stablecoins for their pilot program, too. This is huge, considering Swift processes over $150 trillion annually. Talk about a mic drop!

猜猜是什么？他们选择了第2层区块链Linea，以进行链库的消息传递。抱歉，XRP粉丝，但Swift也与基于Linea的Stablecoins一起进行了试点计划。这是巨大的，考虑到每年超过150万亿美元的迅速流程。谈论麦克风滴！

Why Ethereum and Not XRP?

为什么不是以太坊而不是XRP？

For years, XRP enthusiasts were hopin' Swift would either get replaced by XRP or just adopt XRP Ledger’s messaging system. Marketed as a 'Swift killer' or the perfect partner, XRP Ledger was built for cross-border payments. But Swift said, 'Nah, we good with Ethereum.' Linea's privacy-preserving cryptographic proofs seem to be a major draw, helpin' banks balance KYC/AML compliance with privacy needs.

多年来，XRP爱好者一直在Hopin'Swift被XRP取代，或者只是采用XRP Ledger的消息传递系统。 XRP Ledger以“迅速杀手”或完美的合作伙伴的身份销售，是为跨境支付的。但是斯威夫特说：“不，我们对以太坊很好。” Linea的隐私加密证明似乎是一个主要的吸引力，帮助Banks平衡KYC/AML符合隐私需求。

The Nitty-Gritty: How It Works

尼特·刻薄：它的工作原理

Swift's new ledger is all about movin' regulated, tokenized assets safely across digital ecosystems. They're providing the infrastructure, and banks get to decide which tokens to use. Think of it as a secure, real-time transaction log that records, sequences, and validates payments using smart contracts. It's designed to play nice with both existing and new networks, maintainin' the trust and compliance Swift is known for.

Swift的新分类帐全部是关于Movin受监管的，跨数字生态系统安全的标记资产。他们提供基础架构，银行可以决定要使用哪些令牌。将其视为使用智能合约记录，序列和验证付款的安全实时交易日志。它旨在与现有网络和新网络一起播放，维护信托和合规性Swift闻名。

Word on the street is they're experimentin' with Consensys’ Ethereum Layer 2 solution, Linea, for faster, cheaper transactions that can handle Swift’s global scale. According to Swift CEO Javier Pérez-Tasso, this move is paving the way for financial institutions to take payments to the next level.

街上的消息是，他们是通过CONSENSYS的Ethereum第2层解决方案进行实验的，即Linea，可更快，更便宜的交易，可以处理Swift的全球规模。 Swift首席执行官JavierPérez-Tasso表示，此举为金融机构将付款提升到一个新水平的道路铺平了道路。

Major Players on Board

船上的主要参与者

Banks from 16 countries are in on this, helpin' Swift design the new ledger. Big names like Bank of America, Citi, HSBC, JP Morgan Chase, Deutsche Bank, and Wells Fargo are all part of the crew. Once development wraps up, Swift will roll this out to its global community.

来自16个国家 /地区的银行正在努力，帮助新的分类帐。美国银行，花旗，汇丰银行，JP Morgan Chase，Deutsche Bank和Wells Fargo等知名人士都是船员的一部分。一旦开发总结，Swift将把它推向其全球社区。

Swift vs. Stablecoins

Swift is lookin' to give stablecoins a run for their money. They're improving fees and offerin' predictable, instant retail payments with no hidden costs. McKinsey reports that stablecoins are a direct threat to traditional payment networks, so Swift is steppin' up its game.

斯威夫特看上去很想给稳定的钱赚钱。他们正在提高费用，并提供可预测的即时零售付款，而没有隐藏的费用。麦肯锡报告说，稳定币是对传统支付网络的直接威胁，因此Swift踏上了游戏。

Looking Ahead: A Personal Take

展望未来：个人看法

Honestly, this is a game-changer. Swift's move into blockchain isn't just about keeping up with the times; it's about shaping the future of finance. By choosing Ethereum's Linea, they're betting on a scalable, secure, and privacy-focused solution. It shows that traditional finance is finally ready to embrace the potential of blockchain technology, but they are doing so with a very measured and centralized approach, as opposed to embracing the ethos of decentralization that the blockchain movement initially was built on. It also puts pressure on other players, like Ripple, to innovate and adapt. And speaking of innovation...

老实说，这是一个改变游戏规则的人。斯威夫特（Swift）进入区块链不仅仅是跟上时代。这是关于塑造财务的未来。通过选择以太坊的Linea，他们将押注可扩展，安全和隐私的解决方案。它表明，传统的金融终于准备好拥抱区块链技术的潜力，但是他们采用非常衡量和集中的方法来实现，而不是拥抱最初建立的区块链运动的权力精神。它还给其他球员（例如Ripple）施加压力，以进行创新和适应。谈到创新...

Meanwhile, in Meme Coin Land...

同时，在Meme Coin Land ...

While Swift's makin' power moves, let's not forget the wild world of meme coins. Dogecoin's showin' some strength, but Little Pepe (LILPEPE), an Ethereum Layer 2 meme coin, is makin' waves with a potential 12000% rally. Could meme coins see further adoption due to lower fees and higher speeds? Only time will tell!

当斯威夫特的马力的力量移动时，不要忘记模因硬币的野生世界。 Dogecoin的表现有些强度，但以太坊2层硬币的小佩佩（Lilpepe）是有潜力12000％的集会的浪潮。模因硬币可以看到由于较低的费用和较高的速度而看到的进一步采用吗？只有时间会证明！

The Bottom Line

底线

Swift's dive into blockchain with Ethereum is a massive deal. It's gonna shake up global finance, challenge existing systems, and maybe even make your cross-border payments a whole lot smoother. Keep your eyes peeled, folks; the future of money is lookin' pretty interesting.

斯威夫特（Swift）用以太坊深入研究区块链是一笔巨大的交易。它将彻底改变全球财务，挑战现有系统，甚至可能使您的跨境支付更加顺利。伙计们，睁大眼睛；金钱的未来看起来很有趣。

So, what do you think? Is this the beginning of a beautiful friendship between traditional finance and blockchain, or just a temporary fling? Either way, it's gonna be one heck of a ride!

那么，您怎么看？这是传统金融和区块链之间美丽的友谊的开始，还是只是暂时的逃亡？无论哪种方式，这都是骑车的一大！