XRP与SWIFT之争已结束，还是银行另辟蹊径？

bitcoinistОпубліковано о 2026-06-04Востаннє оновлено о 2026-06-04

Анотація

XRP与SWIFT常被视作全球支付现代化竞赛中的对手，但近期观点认为这场“战争”可能已不合时宜。文章指出，问题的关键在于区分**通讯**与**结算**：SWIFT本质上是一个在金融机构间传递支付指令的通讯网络，而非结算层。因此，其最新跨境支付倡议并非直接与作为结算资产的XRP竞争，真正的对手可能是Axelar、LayerZero等区块链互操作性与通讯协议。与此同时，许多参与SWIFT新框架的银行（如摩根大通、汇丰等）也同时与Ripple保持着合作关系或探索区块链支付方案。这表明金融机构并非在二者中做单选，而是在构建一种**混合模式**——利用SWIFT等网络进行通讯协调与合规，同时采用区块链技术（如XRP）实现更快速高效的资产结算。因此，未来国际支付的格局可能并非“胜者通吃”，而是传统银行基础设施与数字资产技术并存协作，形成一条与许多人预期不同的新路径。

XRP和SWIFT常被描绘成全球支付现代化竞赛中的对手，但最近的一个论点却提出了不同的看法。最新的发展并未指向一场赢家通吃的战斗，而是指向了一个传统银行基础设施和基于区块链的结算系统并存的金融环境。这一视角引出了一个重要问题：旷日持久的XRP与SWIFT辩论是否已经过时，还是银行正在悄然构建一个完全不同的模式？

XRP VS SWIFT：错误的战场

要理解这个论点，有必要将信息传递与结算区分开来。根据James Dula的说法，围绕SWIFT最新跨境支付计划的大部分讨论都忽略了一个关键区别。尽管该网络最近推出了一个涵盖50多家银行的单一框架，提供了更快的处理和更好的交易追踪，但其核心功能并未改变。

SWIFT是金融机构之间的通信层。它传递支付指令、确认交易详情并协调跨境活动。然而，发送信息并不等同于转移资金。实际的资金转移仍然需要一个能够完成交易的结算机制。

正是这一区别，使得Dula认为最新的宣布并不自动意味着SWIFT与XRP形成直接竞争。在他看来，从区块链领域崛起的真正挑战者是互操作性和消息传递协议，如Axelar、LayerZero、Wormhole和Chainlink。这些网络专注于在系统间传输信息和协调活动，这使得它们比XRP本身更接近于SWIFT通信角色的竞争对手。

从这个角度看，这场辩论就彻底改变了。与其问SWIFT能否取代XRP，更相关的问题是消息传递网络和结算资产是否应该为争夺金融技术栈中的同一位置而竞争。

银行正在构建两条路线

当审视所涉及的机构时，这种视角的转变变得更加重要。Dula指出，参与SWIFT新框架的许多银行已经与Ripple保持关系或已探索过与其生态系统相关的基于区块链的支付解决方案。

诸如摩根大通、汇丰银行、德意志银行、渣打银行和桑坦德银行等全球主要金融机构都已与数字资产研究、区块链实验或支付现代化努力相关联。它们在多个方面的参与表明，金融机构并不一定是在选择一套系统的同时抛弃另一套。

相反，银行似乎越来越有兴趣组合能解决不同问题的技术。一个消息传递网络可以协调交易、提供合规信息并创建标准化的通信渠道。一个独立的结算层则能够以更高的速度和效率处理价值的转移。

这种新兴模式挑战了XRP与SWIFT之间直接战争的观点。两者并非相互取代，而是可能在更广泛的金融架构中占据不同的位置。

其含义很清楚。如果Dula的评估是正确的，那么国际支付的未来可能不会由单一胜利者定义。相反，银行可能正在构建一个混合网络，在这个网络中，传统基础设施和数字资产技术共同协作，创造出许多观察家意想不到的全新路径。

Пов'язані питання

Q文章认为XRP和SWIFT之间的竞争本质是什么？为什么说这是“错误的战场”？

A文章认为将XRP和SWIFT视为直接竞争对手是错误的，因为它们本质上是处理金融交易的不同层面。SWIFT是一个金融信息传输网络，主要负责支付指令的通信和协调，而XRP则是一种旨在进行快速、低成本价值结算的加密资产。真正的竞争是SWIFT与专注于跨链互操作性和消息传递的区块链协议（如Axelar、LayerZero）之间，而非与结算层本身。

Q根据文章观点，银行机构在面对传统支付系统和区块链技术时，采取了什么策略？

A银行机构并未在传统基础设施（如SWIFT）和区块链技术（如Ripple/XRP）之间做二选一，而是采取了并行探索和融合的策略。许多参与SWIFT新框架的银行同时也与Ripple保持合作或探索其区块链支付解决方案。这表明银行倾向于整合不同技术来解决不同问题，构建一个让传统消息网络和新型数字资产结算层协同工作的混合架构。

Q在作者引用的James Dula的观点中，SWIFT最新的跨境支付倡议与XRP相比，其核心区别是什么？

A根据James Dula的观点，SWIFT最新倡议的核心区别在于其角色定位。SWIFT本质上是一个通信层，负责在金融机构间传输支付指令和交易信息，但它本身并不移动资金。真正的资金转移需要独立的结算机制来完成。因此，SWIFT的更新更多是优化其消息传递功能，而非直接与像XRP这样的结算资产进行竞争。

Q文章提到哪些跨链互操作性协议被视作SWIFT在通信角色上更直接的潜在竞争者？

A文章提到，像Axelar、LayerZero、Wormhole和Chainlink这样的跨链互操作性和消息传递协议，被认为是SWIFT在其通信和协调角色上更直接的潜在竞争者。这些区块链协议专注于在不同系统之间传输信息和协调活动，其功能定位与SWIFT作为金融消息网络的核心作用更为接近。

Q文章对国际支付的未来提出了怎样的展望？

A文章展望的未来国际支付格局并非由单一技术或网络主宰。相反，它预测将出现一个“混合网络”，在这个网络中，传统的银行基础设施（如SWIFT的消息传递功能）和基于区块链的数字资产技术（如XRP的结算能力）将协同工作，各自承担金融堆栈中的不同职能，共同构建一个更高效、更灵活的支付体系。

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XRP与SWIFT之争已结束，还是银行另辟蹊径？

Анотація

XRP VS SWIFT：错误的战场

银行正在构建两条路线

Пов'язані питання

Пов'язані матеріали

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