"Un dirigente della SWIFT interroga il dominio di Ripple sul sistema finanziario: 'Mostratemi la prova'"
Nel mondo delle valute digitali, il dibattito tra finanza tradizionale e soluzioni innovative basate sulla blockchain continua ad infuriare. Recentemente, Tom Zschach, Chief Innovation Officer di Swift, ha espresso le sue opinioni su Ripple e il suo principale asset digitale, XRP.
Zschach, in un'intervista con U.Today, ha criticato Ripple, sostenendo che la sopravvivenza della società alla sua battaglia legale con la SEC non equivale alla resilienza. Inoltre, ha suggerito che non ci sono prove a sostegno della rivendicazione secondo cui Ripple sta prendendo il controllo del sistema finanziario.
Despite Ripple's efforts to establish XRP as a preferred choice for faster and cheaper international transactions, Zschach believes banks may prefer settling directly in stablecoins or tokenized deposits they control. This is because banks are unlikely to pay an additional toll for using XRP when they can settle directly in instruments they already trust.
However, Zschach also sees potential for collaboration between Swift and open and permissionless blockchains. He argues that Swift can complement these blockchains by bringing governance and trust, which are crucial elements missing in decentralised systems.
Yet, Zschach's enthusiasm for blockchain technology is tempered by concerns about XRP's lack of regulation and legal enforceability. He questions the comfort of banks using XRP, given its unregulated status, and predicts that the traditional finance (TradFi) sector will be able to absorb the best of public chains while maintaining its regulatory framework.
Zschach envisions a "neutral" finance sector, where outcomes are fair, enforceable, and trusted, regardless of the technology used. Final settlement for XRP is not guaranteed in case of disruption, which further highlights the need for a reliable and trusted system in the financial sector.
While Ripple continues to push for wider adoption of XRP, Zschach's comments underscore the ongoing debate between traditional finance and blockchain-based solutions. The future of digital currencies in the financial sector remains uncertain, but the dialogue between industry leaders like Zschach and Ripple is crucial in shaping this future.
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