Top Analyst Highlights Challenges for Ripple and XRP Adoption in Banking Sector

頂尖分析師強調銀行業採用 Ripple 和 XRP 面臨的挑戰

In a recent analysis, a leading cryptocurrency expert has shed light on the factors inhibiting banks' adoption of Ripple and its cryptocurrency, XRP. The analyst suggests that XRP's inability to compete with existing systems, coupled with other limitations, may hinder its widespread use in the banking industry.

在最近的一項分析中，一位領先的加密貨幣專家揭示了阻礙銀行採用 Ripple 及其加密貨幣 XRP 的因素。分析師表示，XRP 無法與現有系統競爭，再加上其他限制，可能會阻礙其在銀行業的廣泛使用。

Ripple's New Smart Contract Capabilities

Ripple 的新智能合約功能

The analyst notes Ripple's recent decision to implement native smart contract capabilities into its platform. However, he points out that Stellar has already implemented similar features.

這位分析師指出，Ripple 最近決定在其平台中實施原生智能合約功能。不過，他指出 Stellar 已經實現了類似的功能。

Criticism of XRP

對 XRP 的批評

The expert emphasizes the need to distinguish between Ripple, the company, and XRP, the cryptocurrency. He argues that many supporters may not fully understand this distinction.

專家強調需要區分Ripple公司和XRP（加密貨幣）。他認為許多支持者可能不完全理解這種差異。

One significant concern raised is the lack of visible on-chain activity for XRP. The analyst claims that he cannot find evidence of banks actively using XRP. While he acknowledges that banks may use Ripple's technology, he expresses doubt about their adoption of XRP itself.

引起關注的一個重要問題是 XRP 缺乏可見的鏈上活動。該分析師聲稱，他找不到銀行積極使用 XRP 的證據。雖然他承認銀行可能會使用 Ripple 的技術，但他對銀行採用 XRP 本身表示懷疑。

Comparison with Stellar

與恆星的比較

The analyst draws parallels between Ripple and Stellar, positioning Stellar as the first mover in several areas, including:

這位分析師將 Ripple 和 Stellar 進行了比較，將 Stellar 定位為多個領域的先驅，包括：

• Stablecoins: Stellar has integrated USDC.
• MoneyGram partnership: Stellar secured this partnership after MoneyGram allegedly declined to work with Ripple and XRP.
• Real-world asset tokenization: Stellar ranks higher than XRP in this area.

Criticism of XRP Community Beliefs

穩定幣：Stellar 已整合USDC。 XRP。

The expert criticizes the XRP community for relying heavily on speculative articles about bank adoption without thoroughly researching on-chain activities.

該專家批評 XRP 社群嚴重依賴有關銀行採用的投機性文章，而沒有徹底研究鏈上活動。

Stellar's Superior Positioning

恆星的優越定位

The analyst posits that Stellar's founder, Jed McCaleb (also a former co-founder of Ripple), has been more visionary in his approach. He suggests that this led to McCaleb's departure from Ripple and the creation of Stellar.

這位分析師認為，Stellar 的創辦人 Jed McCaleb（也是 Ripple 的前共同創辦人）的做法更具遠見。他認為這導致了 McCaleb 離開 Ripple 並創建了 Stellar。

The analyst further argues that many banks are developing their own blockchain solutions, potentially reducing the need for XRP.

該分析師進一步認為，許多銀行正在開發自己的區塊鏈解決方案，這可能會減少對 XRP 的需求。

Pessimistic Outlook for XRP

XRP 前景悲觀

The expert expresses a pessimistic view of XRP's short-term prospects, stating that it is unlikely to experience significant adoption this bull run. He suggests that widespread adoption could be five to ten years away, if it occurs at all.

該專家對 XRP 的短期前景表示悲觀，並表示在本次牛市中它不太可能被廣泛採用。他認為，如果真的實現的話，廣泛採用可能還需要五到十年的時間。