Ripple愿景与战略启示

最近,拜读了Ripple团队发布的关于公司愿景及产品战略的系列文章,对Ripple的了解更进一步。作为当前数字货币(XRP)资产价值排在第三位(在BTC、ETH之后)的公司,其成立至今不过短短数年,随着去年底XRP的一波大涨,其联合创始人Chris Larsen更是一度跃居全球富豪榜第五位。创业是一个过程,Ripple仍然在创业的路上,本文籍希望品读其战略的同时能够为在区块链领域的创业者、从业者带来新的启示。

Ripple愿景:A Vision of Value

Vision:enable the world to move value like information moves today.

Ripple认为当今的互联网可以快速的传递各种信息,包括文字、图片、音频、视频等,但是,却不能快速的转移金钱。

The Internet of Value is about modernizing financial infrastructure using blockchain technologies and digital assets so that sending money from point A to point B is as fast, easy, transparent, reliable and inexpensive as it is to send a communication from point A to point B.

We decided early on that Ripple’s insertion point in enabling the Internet of Value would be in removing friction from cross-border payments.

使用区块链技术可以提供实现快速、便捷、透明、安全、廉价的资金转移方案。Ripple的切入点是跨境支付。

According to McKinsey’s Global Payments report, today the world sends more than $150 trillion across borders. Point being, cross-border payments is a very large and expanding space.

根据麦肯锡的报告,目前每年跨境支付的金额在150万亿美金。市场规模足够大,并且还在不断成长。

It was probably expensive, slow and a mystery as to when your payment would be delivered. Maybe your institution even lost the payment — that happens surprisingly often.

each hand off of the payment from one institution to the next creates risk of delay, failure, miscommunication and cost.

行业痛点:费用昂贵、速度缓慢、何时到帐不可预知、支付信息丢失、在支付流程中不同机构之间的交接可能产生支付延迟、支付失败、信息误传及费用成本。

The largest banks in the world sit in the middle of the relay and provide foreign exchange services.smaller financial institutions — banks and payment providers — wind up paying these big banks a premium for their services.

现状:只有大型的银行才有实力建大量帐号、预存资金、从而提供跨国汇兑业务。小型金融机构需要需要向这些大型银行支付服务费用。

Ripple战略:Partner and Rebuild

Ripple的战略并不是如今创业者动不动就说的要彻底改变世界(change the world),而是采用与金融机构合作重塑业务模式的方式。尽管如此,依旧有很多挑战。

There are challenges to partnering with financial institutions and rebuilding global payments infrastructure compliantly — it takes time. To solve a problem as big and complex and impactful as the one we’re solving, doing it the right way is worth the time investment!

Ripple的目标是重塑跨境支付的基础设施。从根本上解决如下三个问题,并因此而设计了三种产品解决方案:

1. Speed and certainty:xCurrent
2. Liquidity management:xRapid
3. Connection standardization:xVia

xCurrent解决快速支付问题;xRapid解决货币交易问题;xVia解决支付网络通用性问题。关于方案具体细节本文不做展开,有兴趣的朋友可以阅读文末链接。在阅读原文时个人摘录如下内容供(区块链)创业/从业者参考借鉴:

We only sign customers who are serious about using xCurrent commercially. We don’t waste our time on proofs of concept or science experiments at innovation labs.

If we can provide a service through xRapid that allows them to offer better services at a better price that attract more customers, and help them grow shareholder value, we believe they’ll do it!

we’re pleased we’ve defined a real world problem it solves; it solves it well; and we’ve validated those facts with customers.

It’s important to remember the Internet didn’t change the world in a year or even five years. It took time. It took partnership between Internet businesses, incumbents and governments.

原文地址如下:
https://ripple.com/insights/much-ado-much-to-do-part-1/
https://ripple.com/insights/much-ado-much-part2/
https://ripple.com/insights/much-ado-much-to-do-part-3/

参考文章:
https://ripple.com/insights/the-internet-of-value-what-it-means-and-how-it-benefits-everyone

本文为原创文章,未经允许谢绝转载。