Центральные банки изучают Ripple как альтернативу SWIFT

cryptonews.ruPubblicato 2025-03-10Pubblicato ultima volta 2025-07-10

Недавний пост от X Finance Bull в соцсети X вызвал оживлённые обсуждения в криптосообществе. Автор напомнил о проекте Stella — совместной инициативе Европейского центрального банка (ЕЦБ) и Банка Японии, где Ripple рассматривался как альтернатива SWIFT для трансграничных платежей на базе DLT.

Что такое проект Stella и почему он важен?

Запущен в 2016 году для тестирования блокчейна в финансовых системах.
2017 год: ЕЦБ и Банк Японии успешно протестировали DLT для обработки транзакций в режиме реального времени.
2018 год: исследование механизмов «доставка против оплаты» (DvP) подтвердило работоспособность технологии.
2019 год: фокус на трансграничных платежах, где Ripple сравнивали со SWIFT.

Вывод: DLT работает, но требует доработок.

Ripple vs. SWIFT: в чём разница?

SWIFT (1973 г.)

Объединяет 11 000+ банков в 200+ странах.
Это система обмена сообщениями, а не расчётов.
Переводы занимают 2–5 дней, высокие комиссии, низкая прозрачность.

Ripple (xCurrent + ODL)

Обеспечивает мгновенные расчёты + обмен данными.
RippleNet связывает банки напрямую, сокращая посредников.
XRP используется как мост для конвертации валют (ODL).
Экономит миллиарды, замороженные в ностро-счетах.

Из отчёта Stella:
«RippleNet на базе ILP обеспечивает двустороннюю связь и координацию платежей между реестрами, снижая ошибки и задержки».

Почему XRP может вырасти?

Интерес центральных банков (ЕЦБ, БЯ, БРИКС изучают альтернативы SWIFT).
Рост цены:
- Текущая цена: $2,39 (+10,39% за неделю, +4,10% за сутки).
- Ближайшая цель: $3.
Потенциальное внедрение в глобальные платёжные системы.

Вывод

Если Ripple продолжит интеграцию с финансовыми институтами, XRP может укрепиться как стандарт для международных платежей. Пока SWIFT доминирует, но его устаревшая модель создаёт идеальные условия для революции DLT.

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