最新报道:Swift's Chief Innovation Officer Tom Zschach labels Ripple a "dead chain walking," emphasizing that institutions avoid competitor-dependent rails and seek industry-wide compliance standards. XRP's DeFi TVL trails significantly at $87M versus Ethereum's $96.9B and Solana's $11.27B, with weak derivatives interest and institutional participation. Despite initiatives like RLUSD stablecoin and an EVM sidechain, community figures stress that enterprise adoption requires robust retail activity and infrastructure, not just hype.