• Malaysia’s central bank names XRP and Bitcoin as cash alternatives.

马来西亚的中央银行将XRP和比特币称为现金替代品。

• Ripple applies for U.S. banking license to expand XRP utility.

Ripple申请美国银行许可证以扩展XRP公用事业。

• Document highlights cryptocurrencies’ potential role beyond traditional banking systems.

文档强调了加密货币以外的传统银行系统的潜在作用。

According to crypto analyst Xaif the Central Bank of Malaysia has named XRP and Bitcoin potential alternatives to cash and bank deposits. This acknowledgement is made in an official Bank Negara Malaysia paper that examines the changing nature of both public and private money.

根据加密分析师XAIF的说法，马来西亚中央银行将现金和银行存款的潜在替代品命名为XRP和比特币的潜在替代品。这一承认是在马来西亚官方银行的官方银行纸上作出的，该文件研究了公共和私人资金的变化性质。

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The report contains a diagram titled “Illustration of Public and Private Monies” that separates central bank reserves, currency, and potential digital currencies from private money such as bank deposits and institutional deposits.

该报告包含一个标题为“公共和私人款项的插图”的图表，该图将中央银行的储备，货币和潜在的数字货币与银行存款和机构存款等私人货币分开。

It also associates these groups with monetary aggregates such as M1, M2, and M3 and links them with relationships between banks, non-banks, and the central bank.

它还将这些群体与M1，M2和M3等货币总计相关联，并将它们与银行，非银行和中央银行之间的关系联系起来。

Under the illustration, the document discusses decentralized tokens and their possible application in non-banking payments. In this regard, Bitcoin and XRP are directly mentioned, and the bank explains that they can substitute cash in circulation or bank deposits in case of widespread adoption.

在插图下，该文件讨论了分散的代币及其在非银行付款中的可能应用。在这方面，直接提到了比特币和XRP，银行解释说，在采用广泛采用的情况下，它们可以用流通或银行存款代替现金。

XRP and Bitcoin in Regulatory Context

XRP和比特币在监管环境中

The same document highlights Project Mawar, a proof-of-concept exploring central bank digital currency. Although in this endeavor, we are dealing with public digital money, the fact that XRP and Bitcoin are being taken seriously means that they have a role to play in the wider law-making process.

同一份文件强调了Mawar Project Mawar，这是探索中央银行数字货币的概念验证。尽管在这项工作中，我们正在处理公共数字货币，但认真对待XRP和比特币这一事实意味着他们在更广泛的立法过程中起着作用。

Their inclusion indicates that the regulators consider both assets to be significant competitors in the future of payments.

他们的纳入表明，监管机构将这两个资产视为未来付款的重要竞争对手。

Xaif explained this importance by mentioning XRP along with Bitcoin, which means that it is still relevant. Nevertheless, the bank also noted that decentralized assets have significant obstacles, such as the necessity of high liquidity balances and the lack of intermediaries, which makes efficient settlement more difficult.

XAIF通过与比特币一起提及XRP来解释这一重要性，这意味着它仍然相关。尽管如此，银行还指出，分散资产具有重大障碍，例如需要高流动性余额和缺乏中介机构，这使得有效的解决方案更加困难。

Ripple’s U.S. Banking Ambition

Ripple的美国银行野心

Last month, Ripple applied for a U.S. banking license, signaling a significant step in integrating XRP with regulated financial systems. Captain Redbeard reckons the move may enable Ripple to avoid intermediaries and offer direct financial services. Tapping into the American banking infrastructure would allow us to perform payments faster and enhance the role of XRP in cross-border settlements.

上个月，Ripple申请了美国银行许可证，这表明将XRP与受监管的金融系统集成到了重要的一步。 Redbeard上尉认为这一举动可能使Ripple可以避免中介并提供直接的金融服务。利用美国银行基础设施将使我们能够更快地付款并增强XRP在跨境和解中的作用。

The application also exhibits a higher regulatory alignment, which may reduce the concerns of institutional investors. This is believed to attract more banking partners and help Ripple in the long term.

该应用程序还表现出更高的监管一致性，这可能会减少机构投资者的关注。据信这可以吸引更多的银行合作伙伴，并长期帮助涟漪。

Malaysia’s recognition of XRP and Bitcoin, combined with Ripple’s pursuit of a U.S. banking license, reflects how both regulatory acknowledgment and institutional alignment are shaping the path for digital assets.

马来西亚对XRP和比特币的认可，加上Ripple对美国银行许可证的追求，反映了监管认可和机构一致性如何塑造数字资产的道路。

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The post Malaysia’s Central Bank Names XRP and Bitcoin as Future Cash Alternatives appeared first on 36Crypto.

马来西亚邮政的中央银行将XRP和比特币称为未来现金替代品，首先出现在36Crypto上。