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

顶级分析师强调银行业采用 Ripple 和 XRP 面临的挑战

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.

在最近的一项分析中，一位领先的加密货币专家揭示了阻碍银行采用 Ripple 及其加密货币 XRP 的因素。分析师表示，XRP 无法与现有系统竞争，再加上其他限制，可能会阻碍其在银行业的广泛使用。

Ripple's New Smart Contract Capabilities

Ripple 的新智能合约功能

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.

这位分析师指出，Ripple 最近决定在其平台中实施原生智能合约功能。不过，他指出 Stellar 已经实现了类似的功能。

Criticism of XRP

对 XRP 的批评

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.

专家强调需要区分Ripple公司和XRP（加密货币）。他认为许多支持者可能不完全理解这种区别。

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.

引起关注的一个重要问题是 XRP 缺乏可见的链上活动。该分析师声称，他找不到银行积极使用 XRP 的证据。虽然他承认银行可能会使用 Ripple 的技术，但他对银行采用 XRP 本身表示怀疑。

Comparison with Stellar

与恒星的比较

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

这位分析师将 Ripple 和 Stellar 进行了比较，将 Stellar 定位为多个领域的先行者，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

稳定币：Stellar 已整合 USDC。MoneyGram 合作伙伴关系：在 MoneyGram 据称拒绝与 Ripple 和 XRP 合作后，Stellar 获得了这一合作伙伴关系。现实世界的资产代币化：Stellar 在该领域的排名高于 XRP。对 XRP 社区信仰的批评

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

该专家批评 XRP 社区严重依赖有关银行采用的投机性文章，而没有彻底研究链上活动。

Stellar's Superior Positioning

恒星的优越定位

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.

这位分析师认为，Stellar 的创始人 Jed McCaleb（也是 Ripple 的前联合创始人）的做法更具远见。他认为这导致了 McCaleb 离开 Ripple 并创建了 Stellar。

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

该分析师进一步认为，许多银行正在开发自己的区块链解决方案，这可能会减少对 XRP 的需求。

Pessimistic Outlook for XRP

XRP 前景悲观

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.

该专家对 XRP 的短期前景表示悲观，并表示在本次牛市中它不太可能得到广泛采用。他认为，如果真的实现的话，广泛采用可能还需要五到十年的时间。