XRP，HBAR和Swift：纽约人对财务的未来的看法

Swift正在测试区块链解决方案，将XRP和HBAR互相测试。 XRP的监管清晰度和采用使其具有优势，但HBAR具有长期潜力。

XRP, HBAR, and SWIFT: A New Yorker's Take on the Future of Finance

XRP，HBAR和Swift：纽约人对财务的未来的看法

The financial world is buzzing about blockchain, and SWIFT, the old-school backbone of global transactions, is getting in on the action. Two tokens, XRP and HBAR, are battling it out to be the next big thing. Let's dive into what's happening.

金融界对区块链的嗡嗡作响，全球交易的老式骨干线斯威夫特（Swift）正在采取行动。两个令牌XRP和HBAR正在与之抗争是下一个大事。让我们深入了解正在发生的事情。

The Lay of the Land: XRP vs. HBAR

土地的局面：XRP与HBAR

SWIFT handles a staggering $150 trillion in cross-border transactions every year. To keep up with the times, they're experimenting with blockchain. Ripple's XRP and Hedera's HBAR are the frontrunners, each with its own strengths and weaknesses.

斯威夫特每年都会处理一笔惊人的150万亿美元的跨境交易。为了跟上时代，他们正在尝试区块链。 Ripple的XRP和Hedera的Hbar是领先者，每个人都有自己的优点和缺点。

XRP: The Early Adopter

XRP：早期采用者

XRP has already made serious inroads with financial institutions. Ripple's On-Demand Liquidity (ODL) service is used by over 300 institutions and processed $2.5 billion in transactions in Q3 2025 alone. Big names like SBI Holdings and American Express are using XRP to slash settlement times and fees. HBAR, despite being in SWIFT trials, hasn't seen the same level of real-world integration.

XRP已经与金融机构严重侵犯。 Ripple的按需流动性（ODL）服务被超过300家机构使用，仅第三季度2025年就处理了25亿美元的交易。 SBI Holdings和American Express之类的知名人士正在使用XRP来削减定居时间和费用。 HBAR尽管受到了迅速的试验，但并未看到相同水平的现实整合。

Regulatory Clarity: XRP's Game Changer

法规清晰度：XRP的游戏规则改变者

Regulatory uncertainty has been a headache for crypto, but XRP caught a break in August 2025 when the SEC's case against Ripple was dismissed. This ruling paved the way for XRP ETFs, potentially unlocking billions in institutional investments. HBAR is still navigating the regulatory maze.

监管不确定性令人头疼，但XRP在2025年8月裁定SEC针对Ripple的案件被驳回时陷入了休息。这项裁决为XRP ETF铺平了道路，有可能在机构投资中释放数十亿美元。 HBAR仍在浏览监管迷宫。

Tokenomics: XRP's Deflationary Edge

Tokenomics：XRP的放流边缘

XRP's deflationary model gives it an advantage. Ripple controls the release of tokens and periodically burns them, creating scarcity. HBAR has a fixed supply, relying on staking to incentivize holders. XRP's model makes it a more attractive store of value.

XRP的通缩模型为其提供了优势。 Ripple控制着令牌的释放并定期燃烧它们，从而造成稀缺。 HBAR有固定的供应，依赖于积累来激励持有人。 XRP的模型使其成为价值的更具吸引力的存储。

SWIFT Integration: XRP's Near-Term Win

迅速集成：XRP的近期胜利

XRP's compatibility with ISO 20022 standards and its role in RippleNet's ecosystem position it as the go-to solution for SWIFT's immediate needs. Analysts predict that even a small shift of SWIFT's transaction volume to XRP could send the token soaring. HBAR, while technically impressive, faces a steeper climb.

XRP与ISO 20022标准的兼容性及其在Ripplenet生态系统中的作用，将其视为Swift Ampertimprient需求的首选解决方案。分析师预测，即使Swift的交易量转向XRP，也可能会发送令牌飙升。 HBAR虽然在技术上令人印象深刻，但面临着更陡峭的攀登。

Ripplecoin Mining: A Side Hustle for XRP Holders

Ripplecoin采矿：XRP持有人的侧hustle

Speaking of XRP, ever heard of Ripplecoin Mining? It's a cloud mining platform that lets you earn passive income from XRP, BTC, and ETH. They even give you a $15 bonus just for signing up. Sounds like a sweet deal, but remember to do your homework before diving in.

说到XRP，听说过Ripplecoin采矿了吗？这是一个云挖掘平台，可让您从XRP，BTC和ETH赚取被动收入。他们甚至为您提供15美元的奖金，只是为了注册。听起来像是一件甜蜜的交易，但请记住在潜水前做作业。

The Takeaway: XRP for Now, HBAR for Later

外卖：XRP现在，hbar待稍后

If you're looking for quick returns, XRP seems like the better bet. Its regulatory clarity, ETF potential, and institutional adoption create a positive feedback loop. HBAR, with its advanced technology and enterprise governance, is more of a long-term play. Think tokenization and micropayments in the future.

如果您正在寻找快速回报，则XRP似乎是更好的选择。它的监管清晰度，ETF的潜力和机构采用创造了积极的反馈循环。 HBAR具有先进的技术和企业治理，更像是一项长期发挥。考虑将来的象征化和微付款。

Final Thoughts

最后的想法

The blockchain revolution is here, and SWIFT's trials are a major step. XRP is leading the charge right now, but HBAR could have its day in the sun. As the financial world embraces blockchain, keep an eye on these tokens—they might just change the way we move money around the globe. Who knows, maybe one day we'll all be paying for our morning coffee with XRP or HBAR. Until then, stay savvy, folks!

区块链革命就在这里，Swift的审判是一步。 XRP目前正在领导指控，但HBAR可能会在阳光下度过一天。随着金融界拥抱区块链，请密切关注这些令牌 - 他们可能会改变我们在全球范围内赚钱的方式。谁知道，也许有一天我们都会用XRP或HBAR付款。在那之前，请保持精明，伙计们！