最新报道:SWIFT's Chief Innovation Officer Tom Zschach questions XRP's readiness for banking standards, citing concerns over legal enforceability and institutional trust. He argues banks prefer settling with instruments they issue rather than external tokens like XRP. Despite Ripple's recent legal resolution with the SEC, Zschach emphasizes that blockchain solutions need governance and regulatory frameworks for institutional adoption. SWIFT is currently testing XRP Ledger and Hedera Hashgraph for compatibility with traditional systems as part of ISO 20022 integration efforts.