Mga Intermediary ng FedNow, Hamon sa Cross-Border Pitch ng XRP

Iminungkahi ng Federal Reserve noong Abril 8 na payagan ang mga bangko at credit union sa U.S. na gumamit ng mga intermediary sa pamamagitan ng FedNow Service. Sa ilalim nito, maaari nilang idaan ang mga international leg ng transaksyon sa mga correspondent bank, habang pinapanatili ang domestic leg sa loob ng U.S. sa ilalim ng payment rail ng Fed.

Direktang hinahamon ng ganyang architecture ang core pitch ng XRP: mas mabilis na cross-border money movement na may less friction at lower dependence sa pre-funded capital. Ini-market ng Ripple ang XRP bilang infrastructure para sa global payments, with settlement in three to five seconds at transaction costs na fractions lang ng isang sentimo.

Mas mabilis naman gumalaw si Swift. Noong Marso 5, nag-announce ang network ng 25 banks committed sa bagong payment framework nito, promising customers certainty ng cost, full-value delivery, pinakamabilis na possible speeds including instant settlement kung kaya, at end-to-end traceability. Saklaw ng framework ang Australia, Bangladesh, Canada, China, Germany, India, Pakistan, Spain, Thailand, UK, at US — covering five of the world's 10 largest remittance markets.

Nag-process ang CHAPS system ng Bank of England ng 4.7 million payments worth ₱553.21 trillion ($9.2 trillion) noong Marso 2026 across 22 settlement days, averaging ₱25.13 trillion ($418 billion) daily. Nag-modernize na ang legacy banking infrastructure sa exact workflow areas kung saan binuo ng XRP ang narrative advantage nito.

In-classify ng SEC ang XRP bilang digital commodity noong Marso 2026, shifting oversight primarily sa CFTC at ini-align sa Bitcoin at Ether. Sinabi ni Ripple CEO Brad Garlinghouse noong Abril na 90% probability daw na maipapasa ang CLARITY Act by mid-2026, codifying XRP's non-security status sa federal law. Pero mas hindi na relevant ang regulatory clarity kung masosolve din naman ng traditional rails ang same problems.

Nagiging less scarce ang utility ng XRP kapag nag-aalok na rin ng instant settlement ang FedNow at Swift through existing banking relationships. Nakatakda ang 25 banks na magsimula ng payment processing by June.

ℹ️ Article Details

• Source: CryptoSlate
• Original URL: https://cryptoslate.com/the-fed-is-building-competition-for-xrps-core-payments-pitch-into-the-fednow-banking-system/
• Reading Time: 3 minutes
• Category: regulation-policy
• Tickers: XRP
• Key Takeaway: XRP's moat compresses when FedNow and Swift offer instant settlement through existing banking infrastructure.
• Slug: feds-fednow-intermediaries-threaten-xrps-cross-border-pitch

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