XRP可以根据SMQKE的八个报告来实现比特币般的优势

XRP社区中的一个加密研究员和著名人物（称为SMQKE）从八个不同的报告中编辑了发现，以支持XRP可以达到与比特币相似的重要性水平的想法。他的分析遵循媒体个性戴夫·波特诺伊（Dave Portnoy）的最新评论，他透露他投资于XRP并不是由于详细的研究，而是渴望避免错过资产是否经历巨大的价值增长。

A crypto researcher and prominent figure in the XRP community, recognized online as SMQKE, has assembled findings from eight distinct reports to support the idea that XRP could achieve a level of significance comparable to that of Bitcoin.

在线认可的XRP社区中的一个加密研究员和著名人物已从八个不同的报告中汇总了发现结果，以支持XRP可以达到与比特币相当的意义水平的想法。

This analysis follows recent comments from media personality Dave Portnoy, who disclosed that his investment in XRP was not driven by meticulous research but rather by a desire to avoid missing out if the asset experiences a dramatic surge in value.

这项分析是在媒体个性戴夫·波特诺伊（Dave Portnoy）的最新评论之后，他透露他对XRP的投资不是由细致的研究驱动的，而是出于渴望避免错过资产的渴望，如果资产的价值飙升。

To substantiate the possibility of XRP becoming a dominant force in digital finance, SMQKE referenced a range of studies and institutional documents, each outlining XRP’s unique technological and structural attributes.

为了证实XRP成为数字融资中的主要力量的可能性，SMQKE引用了一系列研究和机构文档，每个文档都概述了XRP独特的技术和结构属性。

One of the primary points raised stems from a 2022 report titled First Demonstration Experiment for Energy Trading System EDISON-X using XRP Ledger. This document, written by a collective of researchers from various institutions in Japan and Korea, explains that the XRP Ledger, the blockchain network on which the token operates, uses a Federated Byzantine Agreement (FBA) consensus mechanism.

主要点之一提出的是2022年的一份报告，标题为使用XRP Ledger的Edison-X的首次演示实验。该文件是由来自日本和韩国各个机构的一组研究人员撰写的，他解释说，XRP Ledger是代币运营的区块链网络，使用了联邦拜占庭协议（FBA）共识机制。

This contrasts with Bitcoin and Ethereum, both of which rely on Proof-of-Work, requiring energy-intensive mining to validate transactions and secure the network. XRP Ledger, on the other hand, confirms transactions in 3 to 5 seconds with minimal cost and high scalability.

这与比特币和以太坊形成鲜明对比的是，这两者都依赖于工作证明，需要能源密集型采矿来验证交易并确保网络。另一方面，XRP Ledger在3至5秒内以最低的成本和高可扩展性确认交易。

The same report highlighted the XRP Ledger’s environmental advantage, having achieved carbon neutrality in 2020. It also indicated that XRPL supports advanced use cases such as decentralized finance (DeFi) and non-fungible tokens (NFTs), positioning it for long-term utility beyond simple transfers.

同一份报告强调了XRP Ledger在2020年实现碳中立性的环境优势。它还表明XRPL支持了先进的用例，例如分散式融资（DEFI）和无填充代币（NFTS）（NFTS），将其定位为简单传输以外的长期效用。

At the same time, experts at DC Fintech Week discussed the importance of functional cryptocurrencies in modern finance. Among the topics covered were the integration of cryptocurrencies with the ISO 20022 standard, an international messaging protocol for financial institutions.

同时，DC Fintech Week的专家讨论了功能性加密货币在现代金融中的重要性。涵盖的主题之一是将加密货币与ISO 20022标准的整合，这是金融机构的国际消息协议。

In this context, XRP was identified as one of the few digital assets contributing meaningfully to financial innovation.

在这种情况下，XRP被确定为为财务创新做出有意义贡献的少数数字资产之一。

Furthermore, an analysis by Trade Finance Global described XRP as a “Bitcoin for banks,” contrasting it with BTC’s limited use cases. The report highlighted how Ripple’s infrastructure, which includes the XRP token, has already been adopted by several financial institutions aiming to modernize international money transfers.

此外，贸易融资全球的一项分析将XRP描述为“银行比特币”，与BTC的有限用例形成鲜明对比。该报告强调了包括XRP令牌在内的Ripple的基础设施是如何被一些旨在现代化国际货币转移现代化的金融机构采用的。

Another document, prepared by nocash.ro, examined the implications of the ISO 20022 standard for various cryptocurrencies. Among the 10 tokens assessed, XRP was among the few that appeared prepared for integration with this framework.

由Nocash.ro编写的另一份文件检查了ISO 20022标准对各种加密货币的含义。在评估的10个代币中，XRP是与该框架集成在一起准备的少数几个。

This alignment could be crucial for cross-operability with central bank digital currencies (CBDCs), which are also being developed in accordance with the ISO 20022 standard.

这种一致性对于与中央银行数字货币（CBDC）的跨手术可能至关重要，这也是根据ISO 20022标准开发的。

In a 2018 letter addressed to the U.S. Federal Reserve, a concerned banking customer, Brenden Sheehan, recommended the adoption of Ripple’s technology.

在2018年致美国美联储的信中，有关银行客户布伦登·希恩（Brenden Sheehan）建议采用Ripple的技术。

Highlighting the slow, expensive, and outdated American payment systems, Sheehan pointed out that a recent cross-border payment from China to the U.S. using blockchain technology took 1 minute and 48 seconds to complete, costing only $0.003.

Sheehan强调了缓慢，昂贵且过时的美国支付系统，他指出，最近从中国向美国使用区块链技术的跨境支付需要1分钟48秒才能完成，仅花费0.003美元。

In stark contrast, he noted that a recent cross-border payment through the U.S. Federal Reserve took 3 days and cost $25. This disparity, he argued, highlighted the urgent need for innovation in the U.S. banking system.

与之形成鲜明对比的是，他指出，最近通过美国美联储的跨境付款花费了3天，花费了25美元。他认为，这种差距强调了在美国银行体系中迫切需要创新。

Recommending that the Fed integrate with Ripple’s network, Sheehan emphasized the speed, security, and efficiency that the technology could bring to the American financial landscape. He also highlighted Ripple’s integration with SWIFT, the cooperative messaging service for financial institutions.

Sheehan建议美联储与Ripple的网络集成，因此强调了该技术可以为美国金融格局带来的速度，安全性和效率。他还强调了Ripple与金融机构合作消息服务Swift的集成。

Sheehan’s recommendation highlighted the critical role of U.S. financial innovation in the global context. He asserted that if the U.S. failed to keep pace with other nations advancing in financial technology, it would ultimately fall behind.

Sheehan的建议强调了美国金融创新在全球背景下的关键作用。他断言，如果美国未能与其他国家的金融技术前进，最终将落后。

Finally, a study by the Waterford Institute of Technology concluded that Ripple provides notable improvements over both the SWIFT network and Bitcoin’s architecture.

最后，沃特福德理工学院的一项研究得出结论，波纹对Swift Network和Bitcoin的体系结构都有显着的改进。

The findings suggested that banks could adopt Ripple’s system to offer more efficient and reliable services to consumers and businesses. This integration would also enable the creation of new financial products and services, ultimately benefitting the broader economy.

调查结果表明，银行可以采用Ripple的系统为消费者和企业提供更有效和可靠的服务。这种整合还将使创建新的金融产品和服务，最终使更广泛的经济受益。

The report also recognized that while Ripple’s system may exhibit some centralization due to its reliance on a smaller number of institutions for consensus, this characteristic could also be viewed positively.

该报告还认识到，由于Ripple的系统可能会出现某种集中化，因为它依赖少量的共识机构，但也可以正面看待这种特征。

In contrast to Bitcoin’s decentralized structure, which faces difficulties in regulatory engagement, Ripple’s framework mirrors some aspects of traditional banking, potentially enhancing regulatory compatibility and mainstream adoption.

与比特币的分散结构相反，在监管参与方面面临困难，Ripple的框架反映了传统银行业务的某些方面，可能增强了监管兼容性和主流采用。

This analysis, which combines insights from various financial institutions, government agencies, and research bodies, presents a compelling case for the potential of XRP to rise to a level of significance similar to that of Bitcoin.

该分析结合了来自各个金融机构，政府机构和研究机构的见解，这为XRP的潜力提高到与比特币相似的重要性水平提出了一个令人信服的案例。

However, it’s important to remember that financial markets are inherently unpredictable, and past performance does not guarantee future results.

但是，重要的是要记住，金融市场本质上是不可预测的，并且过去的绩效并不能保证未来的结果。

Any investment decisions should be based on individual financial goals, risk tolerance, and a

任何投资决策都应基于个人财务目标，风险承受能力和