XRP能否成为国际转账的真正替代品？

2026-01-08 10:00:09

【币界】XRP 想要撬动国际转账这块大蛋糕，核心优势就是速度和成本。每秒能处理数千笔交易，这在技术上已经甩开了比特币和以太坊几条街。为什么这么能打？因为它从设计之初就是为跨境结算量身定做的，而不是为了其他用途硬套上去。

关键是 RippleNet 在干嘛——和全球银行系统深度合作。不是停留在概念阶段，而是真刀真枪地推进机构级应用。这意味着 XRP 逐步从投机品转变成实际支付工具的可能性在增加。国际汇款本来就是银行体系最低效的环节，成本高、速度慢，现成的痛点摆在那儿。如果能真正接入这些金融机构，XRP 的市场想象空间会很不一样。

XRP-3,84%

BTC-2,2%

ETH-3,17%

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GateUser-9ad11037

· 01-11 00:39

More good news for XRP, but will banks really use it?

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GasGoblin

· 01-10 13:42

Can those old bank guys really use XRP? I'm skeptical... By the way, TPS is indeed impressive.

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CoffeeOnChain

· 01-09 01:30

Alright, sounds good, but will banks really use it? That's the key.

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TommyTeacher1

· 01-08 10:30

The day banks actually start using XRP is when it truly counts. Right now, they're just making empty promises, nice words...

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CryptoHistoryClass

· 01-08 10:30

*checks notes* ah yes, the classic "this time is different" narrative. we've literally heard this exact pitch before — 2013 ripple hype, 2017 banking partnerships announcement, 2020 swell conferences... pattern recognition ftw

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fren.eth

· 01-08 10:28

The set of speed and cost has been talked about for years, but what about actual implementation? Will banks really ditch SWIFT for this? I'm a bit skeptical.

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ForkTrooper

· 01-08 10:26

I've been hearing the same claims about XRP for years: high TPS, low costs, bank collaborations... But how many financial institutions are actually using it? The issue isn't with the technology; it's that the existing system is too rigid.

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MetaverseHobo

· 01-08 10:19

Buddy, if this time XRP can truly connect with the banking system, it might really revolutionize international transfers.

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down_only_larry

· 01-08 10:11

Do those bank people really use XRP? It still feels like all talk and no action.

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DAOdreamer

· 01-08 10:06

If banks actually start using XRP, this wave could turn the tide, but it still feels a bit far off.