随着CBDC的上升，XRP是否会仍然是必要的桥梁？

随着银行在全球范围内越来越多地探索这些新的数字货币技术，这一正在进行的讨论发生。

The future of financial systems continues to spark lively debate, especially concerning the role of assets like XRP in a landscape featuring private bank ledgers and Central Bank Digital Currencies (CBDCs).

金融系统的未来继续引发活泼的辩论，尤其是关于XRP等资产在具有私人银行分类帐和中央银行数字货币（CBDC）的景观中的作用。

As banks worldwide increasingly explore these new digital currency technologies, the community interest in XRP persists.

随着银行在全球范围内越来越多地探索这些新的数字货币技术，社区对XRP的兴趣仍然存在。

With CBDCs potentially offering direct government-backed digital currency pathways, speculation grew that XRP’s long-argued role as a neutral bridge currency could diminish.

随着CBDC有可能提供直接支持政府支持的数字货币途径，人们对XRP作为中性桥梁货币的长期以来的作用可能会减少。

However, proponents contend its function remains essential for efficient cross-border value transfer. They point to how Ripple’s solutions (often involving XRP) can streamline payments between different fiat currencies or digital assets, potentially reducing the need for banks to pre-fund accounts with large sums in multiple currencies (a costly process known as maintaining nostro/vostro accounts).

但是，支持者认为其功能对于有效的跨境价值转移至关重要。他们指出，Ripple的解决方案（通常涉及XRP）如何可以简化不同的法定货币或数字资产之间的付款，从而有可能减少银行在多种货币中使用大量款项预先筹集资金帐户的需求（这是一种昂贵的过程，称为维持Nostro/Vostro帐户）。

This ties into a key point often raised by XRP bullsarguing that while banks may prefer private, permissioned ledgers for internal liquidity management and cross-border payments, this setup could lead to "walled gardens" of sorts.

这与XRP Bullsargu所提出的一个关键点相关，尽管银行可能更喜欢私人，但允许内部流动性管理和跨境支付的允许分类帐，但这种设置可能会导致各种“围墙花园”。

These walled gardens might prevent the free movement of value between different institutions and countries, which is economically inefficient.

这些围墙的花园可能会防止不同机构和国家之间的价值自由流动，这在经济上效率低下。

But XRP's ability to efficiently source external liquidity on demand and enable rapid settlement maintains its utility for connecting these private ledgers for cross-border flows, they add. This also ties into the rapid settlement capabilities of XRP, contrasting it with stablecoins or potentially siloed wrapped CBDCs.

他们补充说，但是XRP的能力有效地采购外部流动性并使快速和解可以保持其将这些私人分类帐连接到跨境流的实用性。这也与XRP的快速定居能力相关联，将其与稳定的CBDC形成对比。

The discussion was sparked further by Ripple co-founder David Schwartz's comments on the inherent limitations of simply creating wrapped, tokenized versions of each individual CBDC.

Ripple联合创始人David Schwartz对简单创建每个CBDC的包裹，令牌化版本的固有局限性的评论进一步引发了讨论。

After a lively community discussion concerning the potential for a "cross-chain future" with assets like XRP facilitating interoperability between different blockchains, one community member posed a question about the implications of each major Central Bank rolling out its own CBDC.

在社区讨论有关“跨链未来”的潜力的生动讨论之后，诸如XRP之类的资产促进了不同区块链之间的互操作性之类的资产，一个社区成员提出了一个问题，即每个主要中央银行都在推出自己的CBDC的含义。

Specifically, the community member inquired about the process for institutions to easily exchange value between, for instance, the U.S. Dollar CBDC and the Euro CBDC.

具体而言，社区成员询问了机构在例如美元CBDC和Euro CBDC之间轻松交换价值的过程。

Schwartz replied that this scenario would likely lead to a large-scale liquidity management problem if institutions had to manage 90 different trading pairs to facilitate exchange between ten different CBDCs.

施瓦茨回答说，如果机构不得不管理90种不同的交易对以促进十个不同的CBDC之间的交换，则这种情况可能会导致大规模的流动性管理问题。

"We'd be juggling 90 different liquidity pools to manage direct trading pairs between the 10 coins. It'll get messy quickly. A neutral bridge asset is economically efficient. It isn't a matter of "if" but "when" we'll get there in another form."

“我们将兼顾90个不同的流动性池，以管理10个硬币之间的直接交易对。它会很快变得凌乱。中立的桥梁资产在经济上是有效的。这不是“如果”，而是“当“我们将以另一种形式到达那里”时”。

This comment highlights the potential inefficiency of having to maintain and manage, for instance, 90 distinct bilateral trading pairs to directly connect just ten different sovereign digital currencies. A neutral bridge asset like XRP, Schwartz implied, could streamline this process dramatically.

该评论强调了必须维护和管理的潜在效率低下，例如，90个不同的双边交易对直接连接了十种不同的主权数字货币。 Schwartz所暗示的中性桥梁资产可以大大简化此过程。

Commentators often note that XRP's key advantage, particularly compared to legacy systems, lies in its potential to unlock capital trapped in traditional payment networks.

评论员经常注意到，XRP的主要优势，尤其是与传统系统相比，其潜力是解锁被困在传统支付网络中的资本。

The decades-old SWIFT messaging system, combined with correspondent banking, frequently requires banks to hold substantial, often idle funds in nostro accounts globally, simply to facilitate international payments – which creates significant capital inefficiencies.

数十年来的Swift消息传递系统加上记者银行业务，经常要求银行在全球范围内持有大量的闲置资金，只是为了促进国际付款，这会造成大量的资本效率低下。

Solutions like those offered by Ripple, which can facilitate the use of XRP for rapid cross-border settlement and efficient liquidity management, help to free up these reserves by enabling on-demand liquidity, potentially injecting that capital back into productive use globally. Some also suggest that for less common, low-liquidity currency corridors, XRP remains a particularly effective settlement tool.

像Ripple提供的解决方案一样，可以促进XRP进行快速跨境和解和有效的流动性管理，通过启用按需流动性来帮助释放这些储备，从而有可能将资本注入全球生产力中。有些人还建议，对于较不常见的低流动性货币走廊，XRP仍然是一个特别有效的解决工具。