XRP可以捕获Swift量的14％：Ripple首席执行官Garlinghouse Projects XRP每年可能会处理$ 21T，这是由消息传递的流动性驱动的。

XRP Eyes Doble Digits：随着机构的兴趣和可能的迅速联系，XRP定位为重大突破，Ripple首席执行官说。

In a bold projection, Ripple CEO Brad Garlinghouse has predicted that XRP could be handling 14% of SWIFT’s global transaction volume and processing around $21 trillion in payments annually, by 2028.

Ripple首席执行官布拉德·加林豪斯（Brad Garlinghouse）在大胆的预测中预测，XRP可以处理Swift全球交易量的14％，到2028年，每年的付款约为21万亿美元。

Garlinghouse was speaking at the XRP APEX 2025 event in Singapore, where he touched upon the key factor driving XRP’s unique position – liquidity.

加林豪斯（Garlinghouse）在新加坡举行的XRP Apex 2025活动中讲话，在那里他谈到了推动XRP独特位置的关键因素 - 流动性。

While SWIFT is recognized for its messaging system in facilitating cross-border payments, the true essence lies in the liquidity factor, according to Garlinghouse.

根据加林豪斯（Garlinghouse）的说法，虽然斯威夫特（Swift）因其促进跨境支付的消息传递系统而受到认可，但真正的本质在于流动性因素。

“We’re not trying to replace SWIFT messaging, but rather the liquidity part of it. So, if you look at SWIFT today, they estimate about $150 trillion flows across the SWIFT system in a year. If we’re able to get 14% of that volume, that’s $21 trillion a year in cross-border payments,” Garlinghouse said.

“我们不是要替换Swift消息传递，而是要替换流动性部分。因此，如果您今天看一下Swift，他们估计一年来大约在Swift System上大约150万亿美元的流量。如果我们能够获得该量的14％，那就是每年的跨境支付21万亿美元，” Garlinghouse说。

To put this into perspective, the International Monetary Fund (IMF) has estimated that the total value of goods and services produced in the global economy in 2023 will be around $109 trillion.

为了介绍这一点，国际货币基金组织（IMF）估计，2023年全球经济中生产的商品和服务的总价值约为109万亿美元。

Garlinghouse explained that XRP wouldn’t be storing the full $21 trillion on its ledger. Instead, the tokens would be rapidly circulating, with the amount of XRP needed at any given time depending on the “token velocity.”

加林豪斯（Garlinghouse）解释说，XRP不会在其分类帐上存储全部21万亿美元。取而代之的是，代币将迅速循环，根据“令牌速度”，在任何给定时间所需的XRP量。

At the moment, XRP is ranked fourth on CoinMarketCap, with a market cap of $136 billion and the token is trading at $2.31 after modest gains this week.

目前，XRP在CoinMarketCap上排名第四，市值为1360亿美元，而代币本周降低了，该代币的交易价格为2.31美元。

Institutions are showing more interest in blockchain-based solutions, especially for cross-border payments, and this is putting XRP in the spotlight.

机构对基于区块链的解决方案表现出更大的兴趣，尤其是对于跨境支付，这使XRP成为了人们的关注。

Earlier this year, Garlinghouse hinted at the possibility of a collaboration, or even replacement, between Ripple and SWIFT. A former SWIFT employee also claimed that some banks had tested XRP’s compatibility with the SWIFT system.

今年早些时候，加林豪斯暗示了Ripple和Swift之间进行合作甚至更换的可能性。一位前Swift员工还声称，一些银行已经测试了XRP与Swift系统的兼容性。