• Swift CIO says banks reject XRP, favor stablecoins and deposits.

斯威夫特CIO说，银行拒绝XRP，偏爱稳定的存款。

• Ripple supporters defend XRP’s neutrality in global cross-border settlements.

波纹支持者在全球跨境定居点中捍卫XRP的中立性。

• Debate intensifies as Swift and Ripple compete for banking clients.

随着Swift和Ripple竞争银行客户的竞争，辩论加剧了。

A heated debate has emerged in the digital payments space after Swift’s Chief Innovation Officer, Tom Zach, openly dismissed XRP’s role in global banking. According to a video shared by BULLRUNNERS on X, Zach stated that banks will continue to favor other internal payment rails, tokenized deposits, or regulated stablecoins such as USDC instead of XRP.

在斯威夫特首席创新官汤姆·扎克（Tom Zach）公开驳回XRP在全球银行业中的角色之后，数字支付空间中出现了激烈的辩论。根据Bullunners在X上分享的视频，Zach表示，银行将继续赞成其他内部支付轨，令牌的存款或受监管的Stablecoins，例如USDC而不是XRP。

He explained that XRP does not qualify as a deposit, is not regulated money, and cannot be listed on bank balance sheets. For this reason, he argued that financial institutions will avoid using it as part of their core settlement infrastructure.

他解释说，XRP不符合押金，不受监管的资金，也不能在银行资产负债表上列出。因此，他认为金融机构将避免将其用作其核心和解基础设施的一部分。

He went further to label the digital asset a “dead chain walking,” claiming banks require neutral governance instead of payment rails controlled by a single company like Ripple.

他进一步将数字资产标记为“死链步行”，声称银行需要中立的治理，而不是由像Ripple这样的单个公司控制的付款导轨。

Community Defends XRP’s Neutral Settlement Role

社区捍卫XRP的中立定居点角色

The statement quickly triggered responses from the XRP community, which highlighted that the XRP Ledger has operated for more than a decade without disruption. Supporters argued that XRP is independent of any single institution, making it a neutral bridge asset capable of enabling settlements between banks.

该声明迅速触发了XRP社区的回应，该声明强调了XRP Ledger在没有中断的情况下运作了十多年。支持者认为，XRP独立于任何一家机构，使其成为能够在银行之间实现定居点的中性桥梁资产。

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They pointed out that trillions of dollars remain locked in pre-funded accounts around the world to support cross-border payments. According to them, bank-specific solutions such as JPMorgan’s internal rails or HSBC’s networks cannot solve the inefficiencies once funds move between different institutions. They insisted that XRP eliminates the need for such pre-funding by providing a scalable and neutral settlement option.

他们指出，全球预先资助的账户中仍然锁定了数万亿美元，以支持跨境支付。据他们说，一旦资金在不同的机构之间移动，诸如摩根大通的内部铁路或汇丰银行网络等特定银行的解决方案无法解决效率低下。他们坚持认为，XRP通过提供可扩展和中性的解决方案来消除对这种预资助的需求。

Ripple and SWIFT Competing for the Same Clients

涟漪和迅速竞争相同的客户

The video also highlighted that Ripple and Swift are competing for the same global clientele. Both firms aim to modernize cross-border transactions, but their approaches differ significantly. Swift promotes tokenized deposits and stablecoins, while Ripple continues to build use cases around XRP to address liquidity and settlement challenges.

该视频还强调说，Ripple和Swift正在争夺同一全球客户。这两家公司旨在使跨境交易现代化，但其方法差异很大。 Swift促进了代币的存款和稳定币，而Ripple继续在XRP附近建立用例，以应对流动性和和解挑战。

Zach stressed that liquidity alone cannot satisfy banking requirements, adding that legal enforceability is just as important. In contrast, Ripple’s supporters emphasized that the company has worked with regulators in key jurisdictions for years. Following the dismissal of appeals in its case with the SEC, Ripple has strengthened its compliance position and continues to expand On-Demand Liquidity corridors.

扎克强调，仅流动性就无法满足银行的要求，并补充说，法律可执行性同样重要。相比之下，Ripple的支持者强调，该公司多年来一直与关键司法管辖区的监管机构合作。在与美国证券交易委员会（SEC）驳回上诉后，Ripple加强了其合规立场，并继续扩大按需的流动性走廊。

Conclusion

结论

Tom Zach’s comments underline Swift’s belief that regulated stablecoins and tokenized deposits will dominate banking settlements, leaving XRP outside institutional frameworks. However, Ripple supporters maintain that its neutrality, efficiency, and regulatory progress make it well-positioned to challenge traditional systems in the evolving landscape of global finance.

汤姆·扎克（Tom Zach）的评论强调了斯威夫特（Swift）的信念，即受监管的稳定货币和令牌存款将主导银行定居点，而将XRP留在机构框架之外。然而，波纹支持者认为，其中立，效率和监管进步使其在全球金融不断发展的景观中挑战传统系统。

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另请阅读：比特币稳定为$ 111,000，因为Dogecoin飙升7％，而Myx Finance在24小时内爆炸了159％

The post Ripple vs SWIFT: Here Are the Reasons Why Banks Won’t Use XRP – SWIFT CIO Discloses appeared first on 36Crypto.

帖子Ripple vs Swift：这是银行不使用XRP的原因 - Swift Cio披露的首先出现在36Crypto上。