ИТ-директор SWIFT ставит под сомнение надежность Ripple после решения по иску SEC

cryptonews.ruОпубліковано о 2025-09-28Востаннє оновлено о 2025-09-28

Директор по информационным технологиям SWIFT утверждает, что юридическое выживание не равнозначно устойчивости для поставщиков платежных услуг.
Зшах задается вопросом, будут ли банки доверять XRP вместо стейблкоинов или токенизированных депозитов.
Ripple ускоряет блокчейн, но SWIFT делает ставку на доверие и проверенное управление.

Конкуренция между SWIFT и Ripple обострилась после того, как директор по инновациям SWIFT Том Зшах выразил сомнение в том, будут ли компании доверять Ripple после решения по её иску против SEC. Комментарии Зшаха прозвучали во время обсуждения на LinkedIn, где один из пользователей похвалил Ripple за её регулирующую деятельность.

Зшах утверждал, что преодоление юридических трудностей не гарантирует подлинную устойчивость поставщиков финансовой инфраструктуры. Вместо этого он подчеркнул, что учреждениям необходимы нейтральные и общие структуры управления, прежде чем внедрять новые платёжные технологии, подразумевая, что само по себе преодоление правовых барьеров не может гарантировать доверия бизнеса.

🚨 XRP haters are celebrating the SWIFT CIO’s comments like it’s the end of the road for XRP…

Tom Zschach (Chief Innovation Officer at SWIFT) argued banks won’t use XRP because they’ll prefer their own rails, tokenized deposits, or regulated stablecoins.

Here’s why he’s wrong… pic.twitter.com/kfMLgUWSBU
— $589 (@589CTO) September 4, 2025

Проблемы управления и доверия

Руководитель SWIFT выразил особую обеспокоенность по поводу принятия XRP традиционными финансовыми институтами. Зшах выразил сомнение в том, что банки будут чувствовать себя комфортно, используя XRP, поскольку токен не классифицируется регуляторами как деньги и не отражается в балансах организаций.

Согласно анализу Зшаха, ещё одной проблемой является юридическая обеспеченность. Он предположил, что гарантии окончательного урегулирования остаются неопределёнными в случае сбоев в работе системы, что создаёт потенциальные риски для институтов, рассматривающих возможность интеграции XRP.

Зшах задал важный вопрос об экономической целесообразности использования XRP: «Если токенизированные депозиты и регулируемые стейблкоины масштабируются, зачем банкам платить пошлину за внешний актив, если они могут производить расчеты напрямую в инструментах, которые они уже контролируют и которым доверяют?»

Эта перспектива подчёркивает фундаментальное противоречие между устоявшейся финансовой инфраструктурой и альтернативами на основе блокчейна. SWIFT опирается на более чем 50-летний опыт институционального доверия и нейтральные структуры управления, доказавшие свою надёжность для глобальных финансовых институтов.

Ripple и Swift наращивают стратегии расширения

Ripple предлагает технические преимущества благодаря XRP Ledger и RippleNet, обеспечивая более быструю и экономичную обработку трансграничных транзакций. Однако реакция инвесторов остаётся неоднозначной из-за опасений по поводу централизованного контроля Ripple над технологией и распределением токенов.

Обе организации в последнее время реализуют агрессивные стратегии расширения. Ripple приобрела платёжную компанию Rail за 200 миллионов долларов и подала заявку на получение лицензии национального банка США для повышения легитимности регулирования.

SWIFT выбрала другой подход, активно тестируя интеграцию с публичными блокчейнами, включая XRP Ledger и Hedera. Эти испытания оценивают, способна ли технология распределённого реестра дополнить существующую глобальную сеть обмена сообщениями SWIFT, а не заменить её полностью.

Конкуренция открывает различные пути развития трансграничных платежей. Ripple может быстрее продвигаться в плане внедрения чистого блокчейна, в то время как SWIFT сохраняет преимущества в виде институционального доверия и налаженных отношений, которые десятилетиями обеспечивали глобальную финансовую коммуникацию.

По теме: Ripple RLUSD бросает вызов доминированию USDT в Африке

Пов'язані матеріали

Is LIT’s burn worth $42 million enough to spur the altcoin’s next big rally?

Lighter (LIT) has experienced significant volatility, rallying 18% over the past week but facing potential overbought conditions. After a warning of a correction toward $2, the price dipped to $2.3 before recovering to $2.60. A major catalyst was the recent burn of over 15.6 million LIT tokens (worth ~$42 million), representing 6.3% of the circulating supply, which may have spurred short-term bullish momentum toward $3. Technical analysis on the 1-day chart shows a bearish divergence with the RSI, signaling a potential pullback despite strong demand. The key Fibonacci retracement level to watch is $2.30. On the 4-hour chart, LIT is forming a range between $2.31 and $2.68. The suggested strategy is to wait for a breakout above $2.70 to target $3.06-$3.21, or a breakdown below $2.31 for a likely deeper retracement below $2. In summary, while bullish momentum persists, traders should monitor the range boundaries for the next directional move.

ambcrypto10 хв тому

Is LIT’s burn worth $42 million enough to spur the altcoin’s next big rally?

ambcrypto10 хв тому

Nearly a Hundred Players Rush into Embodied Data: With 4.47 Billion Yuan in Financing in One Year, Who Can Really Make Money by 'Selling Data'?

The domestic embodied AI data industry has attracted nearly 100 players, with 70 focused on data collection and 27 on data infrastructure. In the past year, 15 independent embodied data service providers raised approximately 4.47 billion yuan. Despite this growth, the sector remains early-stage, fragmented, and faces significant challenges. Data collection methods are diverse, categorized into four main routes: teleoperation of real robots, human demonstration without a robot (using motion capture, exoskeletons, etc.), simulation synthesis, and distillation from internet videos. Most companies (43%) adopt hybrid approaches, combining multiple routes, as no single method can meet all training needs. Teleoperation alone is pursued by 31% of players, often by state-owned platforms and robot companies, while newer firms favor asset-light, no-hardware human demonstration. Independent data service providers now form the largest player group (40%), indicating the emergence of a distinct industry segment rather than just a subsidiary function for robot makers. Two-thirds of all players are "embodied-native" startups, while one-third are companies that pivoted from fields like AI data annotation, which are more prevalent in the data infrastructure layer. Current annual industry capacity is estimated at 1.6-1.8 million hours plus 70-80 million data points, with a short-term goal to increase this 15-20 fold within 1-3 years. Data collection factories are spread across 20 provinces in China, concentrated in the Yangtze River Delta, Beijing-Tianjin-Hebei, and Pearl River Delta regions. Financially, the 4.47 billion yuan raised in the past year pales compared to the 43.8 billion yuan raised by the broader embodied intelligence sector in just the first half of 2026, highlighting that data remains a less "sexy" bet for investors. The 15 funded independent providers show clear stratification: a top tier led by a unicorn (Lightwheel Intelligence, 3.1 billion yuan), a middle tier of 11 firms raising tens to hundreds of millions, and an early-stage tier of 3 companies. Sixty-nine investment institutions have participated, but none have made concentrated bets, reflecting uncertainty about viable business models. Over half of these funded companies are less than a year old, most are at pre-A or A rounds, and profitability remains largely unproven. In summary, the embodied data industry has become an independent track creating jobs and local economic activity. However, it is still nascent, with unformed consensus, unsolved problems, and unproven business models. The coming 1-2 years will be a critical validation window to see if companies can build sustainable, profitable businesses purely by "selling data."

marsbit42 хв тому

Nearly a Hundred Players Rush into Embodied Data: With 4.47 Billion Yuan in Financing in One Year, Who Can Really Make Money by 'Selling Data'?

marsbit42 хв тому

Dialogue with Multicoin Partner: The Crypto Market Has Bottomed Out, Favoring Three Cryptocurrencies in This Cycle

In a recent interview, Multicoin Capital managing partner Tushar Jain shared his views on the crypto market. He believes the market has bottomed and is at an inflection point, citing that negative news no longer causes significant price declines and application adoption continues to grow. Jain remains highly bullish on Solana, viewing it as the correct architectural choice for internet capital markets, particularly for spot and tokenized security trading. He is also positive on Hyperliquid, noting its leadership in decentralized derivatives trading. His investment approach focuses on concentrating capital in top convictions rather than equal allocation. A distinct opportunity he highlights is Zcash (ZEC), which he sees as a return to the industry's cypherpunk ethos and a potential top-five asset by market cap. For assets like Zcash without cash flows, his valuation framework is based on relative market cap ranking. Regarding investment strategy, Jain employs a "three-part" entry method to avoid timing pitfalls and emphasizes long-term "active management" over "active trading." He outlines four sources of investment edge: informational, analytical, behavioral/psychological, and structural. On portfolio management, the fund uses Bitcoin as its "cash," selling assets into Bitcoin during market euphoria to reduce beta risk and using Bitcoin to buy dips. Sales occur only if a better opportunity arises, the investment thesis breaks, or valuations become excessively overheated. While respectful of Ethereum's resilience, he questions its unclear scaling roadmap. Finally, Jain reaffirms his commitment to the thesis that blockchains will form the foundational architecture for future capital markets.

marsbit1 год тому

Dialogue with Multicoin Partner: The Crypto Market Has Bottomed Out, Favoring Three Cryptocurrencies in This Cycle

marsbit1 год тому

Bitcoin nears cycle bottom despite record $8B Spot ETF outflows – Why?

Bitcoin (BTC) is recovering near $64,100 after falling below $60,000, but faces headwinds from Middle East tensions and persistent U.S. inflation concerns, keeping the Federal Reserve's interest rate at 3.50%-3.75%. According to CoinShares' James Butterfill, signs suggest Bitcoin may be nearing a cycle bottom despite a record 8-week streak of Spot Bitcoin ETF outflows totaling ~$8 billion. Recent small ETF inflows hint at easing institutional selling pressure. Notably, a large 3,588 BTC sell-off by a specific strategy in early July had minimal market impact. On-chain data shows new buyer support forming in the $60k-$63k range, while the $77k price level has shifted from support to a key resistance zone. Overall, the market is under pressure but not broken, with cautious sentiment prevailing as Bitcoin trades below major historical cost bases.

ambcrypto1 год тому

Bitcoin nears cycle bottom despite record $8B Spot ETF outflows – Why?

ambcrypto1 год тому

XRP price prediction: Are sidelined traders refusing to chase shallow bounces?

XRP's network activity has hit unusually low levels, with daily active addresses and network growth at significant lows for 2026 and since late 2024, respectively. This suggests sidelined traders are waiting for a substantial price move rather than chasing shallow bounces. Spot volume trends confirm muted buying pressure, with the spot Cumulative Volume Delta (CVD) in neutral territory and in decline since March. While XRP is flowing out of exchanges into accumulation, these outflows are less pronounced than in 2025. Despite a major price correction, bearish sentiment remains strong, as evidenced by sustained negative aggregate funding rates throughout 2026. This extreme bearish consensus could paradoxically signal a potential medium-term bullish reversal, similar to a pattern observed before a significant rally in April 2025. However, a major shift in spot volume is necessary for any sustained price recovery.

ambcrypto2 год тому

XRP price prediction: Are sidelined traders refusing to chase shallow bounces?

ambcrypto2 год тому

Торгівля

Спот