XRP Ledger随着Swift的交易量的下降：全球付款的新时代吗？

随着XRP分类帐活动爆炸，Swift的交易量下降了15％。 XRP是跨境财务的未来吗？

XRP Ledger Surges as SWIFT's Transaction Volume Declines: A New Era for Global Payments?

XRP Ledger随着Swift的交易量的下降：全球付款的新时代吗？

The winds are shifting in global finance. SWIFT, the long-reigning champion of cross-border payments, is showing signs of slowing down. Meanwhile, the XRP Ledger (XRPL) is picking up serious speed, positioning itself as a potential disruptor in the world of international money transfers. Could XRP be the future of global payments? Let's dive in.

在全球金融中，风正在发生变化。斯威夫特（Swift）是跨境付款的长期重组的拥护者，正在显示放慢脚步的迹象。同时，XRP Ledger（XRPL）正在采取严重的速度，将自己定位为国际货币转移界的潜在破坏者。 XRP可以是全球付款的未来吗？让我们潜水。

SWIFT's Grip Loosens

斯威夫特的抓地力松动

For decades, SWIFT has been the go-to system for secure messaging between banks, connecting over 11,000 financial institutions across more than 200 countries. But SWIFT isn't a settlement system itself. It's more like a messenger, sending payment instructions that still rely on a network of correspondent banks to actually move the money. This process can take days and rack up hefty fees.

几十年来，Swift一直是银行之间安全消息传递的首选系统，在200多个国家 /地区连接了11,000多个金融机构。但是Swift并不是解决系统本身。这更像是一个使者，发送付款说明仍然依靠通讯银行网络来实际移动这笔钱。这个过程可能需要几天的费用，并收取大量费用。

According to XRP Avengers, SWIFT's transaction volume has dropped by a notable 15%. While SWIFT has tried to improve with its GPI upgrade, settlement times still average one to five days, and fees remain high. This is where the XRP Ledger comes in.

根据XRP Avengers的说法，Swift的交易量下降了15％。尽管Swift试图通过其GPI升级来改进，但定居时间仍然平均1到五天，并且费用仍然很高。这是XRP Ledger进来的地方。

XRP Ledger: The Fast and Furious Alternative

XRP Ledger：速度与激情的选择

The XRP Ledger offers a radically different approach. Transactions settle in just 3-5 seconds, and fees are often less than a penny. Plus, there's no need for those slow and expensive intermediary banks. With its native token, XRP, providing on-chain liquidity, the XRPL is increasingly being integrated into real-world payment networks. RippleNet further enhances the XRPL by connecting financial institutions directly to blockchain settlement in real-time.

XRP Ledger提供了一种根本不同的方法。交易仅在3-5秒内就解决了，费用通常小于一分钱。另外，不需要那些缓慢而昂贵的中介银行。凭借其本机代币XRP提供链上流动性，XRPL越来越多地集成到现实世界中的支付网络中。 Ripplenet通过直接将金融机构实时连接到区块链解决方案来进一步增强XRPL。

The Numbers Don't Lie

数字不撒谎

At the 2025 Apex XRPL Summit in Singapore, Ripple CEO Brad Garlinghouse predicted that the XRP Ledger could capture 14% of SWIFT’s total transaction volume within five years. That’s a massive shift of over $21 trillion! If XRP were to handle even a fraction of this volume, the implications would be immense, potentially driving XRP's price into the double digits. Experts suggest that XRP’s price could surge into the double digits, with estimates ranging from $11 to $25 per token.

在新加坡举行的2025年Apex XRPL峰会上，Ripple首席执行官Brad Garlinghouse预测，XRP Ledger可以在五年内捕获Swift总交易量的14％。这是超过21万亿美元的大规模转变！如果XRP甚至要处理此卷的一小部分，那么含义将是巨大的，有可能将XRP的价格推向双位数。专家认为，XRP的价格可能会涨到两位数，估计为每个令牌11美元至25美元。

Why the XRPL is Gaining Ground

为什么XRPL正在获得地面

The appeal of the XRPL is clear: real-time settlement, cost efficiency, transparency, and interoperability. It removes the need for pre-funded accounts, reduces operational overhead, and enables financial institutions to track payments end-to-end in a single, unified ledger. As XRP Avengers pointed out, global payments are shifting, and XRP is positioning itself at the center of this new financial era.

XRPL的吸引力很明显：实时解决，成本效率，透明度和互操作性。它消除了对预先资助的帐户的需求，减少了运营开销，并使金融机构能够在单个统一的分类帐中端到端跟踪付款。正如XRP复仇者联盟指出的那样，全球付款正在转移，XRP将自己定位在这个新的金融时代的中心。

A Personal Take

个人看法

While the data paints a compelling picture, it's important to remember that the financial world is complex. SWIFT isn't going to disappear overnight. However, the trends are undeniable. The demand for faster, cheaper, and more transparent cross-border payments is growing, and the XRP Ledger is well-positioned to meet that demand. Given current adoption rates, the XRPL could soon become more than just an alternative; it could become the new backbone of cross-border finance.

尽管数据绘制了令人信服的图片，但重要的是要记住，金融世界很复杂。斯威夫特不会在一夜之间消失。但是，趋势是不可否认的。对更快，更便宜和更透明的跨境支付的需求正在增长，XRP Ledger良好的位置可以满足这一需求。鉴于当前的采用率，XRPL很快可能不仅成为一种替代方案。它可能成为跨境金融的新骨干。

So, What's Next?

那么，下一步是什么？

Keep an eye on those transaction volumes and adoption rates. The race is on, and it's going to be fascinating to see how this all plays out. One thing's for sure: the future of global payments is looking a whole lot faster and more efficient. Buckle up, buttercup, because the world of finance is about to get a whole lot more interesting!

密切关注这些交易量和采用率。比赛开始了，看到这一切的表现将很有趣。可以肯定的是：全球付款的未来看起来要快得多，效率更高。 Buttercup系列，因为金融世界将变得更加有趣！