您應該在$ 3以下時購買XRP嗎？這是重要的細節

Ripple正處於與SEC的漫長法律鬥爭中。加密貨幣調節環境越來越有利。 XRP可能會破壞跨境支付中的現狀。

The native digital asset on the XRP Ledger, XRP (CRYPTO: XRP), peaked at around $3.30 in January after surging more than 550% following the presidential election in November. However, the token has since retraced its way to $2.55 as of Feb. 18, declining 20% from its January high, as the excitement about Donald Trump's victory has faded.

XRP分類帳（XRP：Crypto：XRP）上的本地數字資產在一月份達到了3.30美元左右，在11月總統大選後飆升了550％以上。但是，截至2月18日，該令牌自此回顧至2.55美元，從1月份的高點下降了20％，因為唐納德·特朗普的勝利的興奮已經消失。

Still, XRP is the third largest cryptocurrency by market value behind Bitcoin and Ethereum, and its price could increase if more financial institutions adopt Ripple Payments. Should you buy XRP while it trades below $3? Here's what you need to know.

儘管如此，XRP還是市場價值的第三大加密貨幣，僅次於比特幣和以太坊，如果有更多的金融機構採用波紋付款，其價格可能會上漲。您應該在$ 3以下時購買XRP嗎？這是您需要知道的。

Ripple is in the middle of a lengthy legal battle with the SEC.

Ripple正處於與SEC的漫長法律鬥爭中。

The Securities and Exchange Commission (SEC) sued Ripple in December 2020 for selling XRP tokens as unregistered securities. Specifically, the lawsuit alleged that the company raised $728 million from institutional investors and $757 million through exchanges, and that all transactions qualified as illegal securities sales.

美國證券交易委員會（SEC）於2020年12月起訴Ripple，以出售XRP代幣作為未註冊的證券。具體而言，該訴訟聲稱該公司從機構投資者那裡籌集了7.28億美元，通過交易所籌集了7.57億美元，所有交易都符合非法證券銷售的資格。

In July 2023, a U.S. district court issued a split ruling. Judge Analisa Torres said the direct transactions with institutional investors were unlawful, but XRP transactions on digital exchanges did not violate the law. The judge ordered Ripple to pay the SEC $125 million, far less than the $2 billion the SEC wanted.

2023年7月，美國地方法院發布了一項分裂裁決。 Analisa Torres法官說，與機構投資者的直接交易是非法的，但是關於數字交易的XRP交易並未違反法律。法官命令Ripple向SEC支付1.25億美元，遠遠低於SEC想要的20億美元。

In October 2024, the SEC appealed the district court's ruling, and the agency has since submitted an opening brief, reasserting its belief that XRP sold on digital exchanges violated the law. Ripple is expected to file its opening brief by April 16, 2025.

2024年10月，美國證券交易委員會（SEC）對地方法院的裁決提出上訴，此後，該機構提交了開幕式摘要，重申了其對XRP在數字交易所出售的XRP違反法律的信念。 Ripple預計將在2025年4月16日之前提交其開幕式摘要。

The ongoing legal battle between the SEC and Ripple is a major headwind for XRP investors. It's unlikely that Ripple Payments will see significant adoption among banks and other payment services companies until the lawsuit is resolved.

SEC和Ripple之間正在進行的法律鬥爭是XRP投資者的主要逆風。在解決訴訟之前，波紋付款不太可能在銀行和其他支付服務公司之間獲得大量採用。

The cryptocurrency regulatory environment is increasingly favorable.

加密貨幣調節環境越來越有利。

President Donald Trump promised to support the cryptocurrency industry throughout his recent campaign, and he has taken steps to keep those promises during his first month in office. In January, he signed an executive order that created a working group tasked with evaluating the creation of a national digital asset stockpile.

唐納德·特朗普（Donald Trump）總統承諾在他最近的競選過程中支持加密貨幣行業，他在任職的第一個月中採取了措施來保持這些諾言。一月份，他簽署了一項行政命令，該命令創建了一個工作組，該工作組負責評估國家數字資產庫存的創建。

Additionally, Trump nominated pro-crypto hedge fund manager Scott Bessent as Treasury Secretary. Bessent told Fox News in July "Crypto is about freedom and the crypto economy is here to stay." Trump also nominated Paul Atkins as SEC Chair. He has criticized the agency for not accommodating cryptocurrency companies under former Chairman Gary Gensler.

此外，特朗普提名了親克賴普託對衝基金經理Scott Bessent為財政部長。 Bessent在7月對Fox News表示：“加密是關於自由的，而加密經濟將留在這裡。”特朗普還提名保羅·阿特金斯（Paul Atkins）擔任SEC主席。他批評該機構沒有在前董事長加里·金斯勒（Gary Gensler）領導下適應加密貨幣公司。

Importantly, while the Senate has yet to approve Atkins, the SEC has already changed tack with digital assets. In January, the agency acknowledged it had primarily used enforcement action to regulate cryptocurrency retroactively, rather than crafting clear rules up front. "The SEC can do better," the press release stated.

重要的是，儘管參議院尚未批准阿特金斯，但SEC已經通過數字資產改變了策略。該機構在一月份承認，它主要採用執法行動來追溯地調節加密貨幣，而不是前面製定明確的規則。新聞稿說：“ SEC可以做得更好。”

Also, the agency formed a cryptocurrency task force to "draw clear regulatory lines, provide realistic paths to registration, craft sensible disclosure frameworks, and deploy enforcement resources judiciously." That represents a dramatic shift from how the SEC dealt with cryptocurrency companies under Gensler.

此外，該機構組建了一個加密貨幣工作組，以“劃定明確的監管線，為註冊提供現實的途徑，制定明智的披露框架以及明智地部署執法資源。”這代表了SEC與Gensler領導下的加密貨幣公司打交道的巨大轉變。

Here's the bottom line: While none of those changes benefit XRP specifically, the more favorable regulatory environment bodes well for the cryptocurrency. It may encourage more institutional investors to buy XRP, especially if the U.S. government creates a national digital asset stockpile. And it could lead the SEC to dismiss its case against Ripple.

這是底線：雖然這些更改都沒有特定受益於XRP，但更有利的監管環境可以很好地實現加密貨幣。它可能鼓勵更多的機構投資者購買XRP，尤其是如果美國政府創建國家數字資產庫存。它可能導致SEC駁回其針對Ripple的案件。

XRP could disrupt the status quo in cross-border payments.

XRP可能會破壞跨境支付中的現狀。

Ripple's payments network uses the XRP token as a bridge currency to move money across international borders quickly and cheaply. Specifically, transactions on the XRP blockchain are generally settled within seconds, and they cost as little as a fraction of a cent.

Ripple的支付網絡使用XRP代幣作為橋樑貨幣，快速，便宜地將資金轉移到國際邊界上。具體而言，XRP區塊鏈上的交易通常在幾秒鐘內解決，它們的成本僅為一分之一。

Comparatively, transactions sent through the Swift system -- the most popular solution for cross-border payments -- can take several days to settle. And because they usually involve at least one intermediary, and each entity charges a fee, transactions are more expensive.

相比之下，通過Swift系統發送的交易（最受歡迎的跨境支付解決方案）可能需要幾天才能解決。而且由於它們通常涉及至少一個中介，並且每個實體收取費用，因此交易更昂貴。

Ripple recently enhanced its value proposition for banks and payments companies by launching a stablecoin called Ripple USD (RLUSD). The stablecoin is tied to the U.S. dollar, making it a less volatile bridge currency than XRP. Ripple will begin using RLUSD to facilitate payments for enterprise customers this year.

Ripple最近通過推出一個名為Ripple USD（RLUSD）的Stablecoin來提高其對銀行和支付公司的價值主張。穩定幣與美元息息相關，使其比XRP易變的橋樑貨幣。 Ripple將開始使用RLUSD今年為企業客戶付款。

Importantly, XRP supply is fixed at 100 billion tokens, so increased demand will result in price appreciation. The RLUSD stablecoin could make that happen in two ways:

重要的是，XRP供應固定為1000億個令牌，因此需求增加將導致價格升值。 RLUSD Stablecoin可以通過兩種方式實現這一目標：

• Transaction on the XRP blockchain (even those involving the stablecoin Ripple USD) incur transaction fees that are paid in XRP.

•XRP區塊鏈（即使是涉及Stablecoin Ripple USD）的交易產生了XRP支付的交易費用。

• The stablecoin may bring more DeFi (decentralized finance) developers to the blockchain, and those transactions would also incur fees in XRP.

•Stablecoin可能會將更多的Defi（分散融資）開發人員帶到區塊鏈，這些交易也會在XRP中產生費用。

Additionally, several asset managers have requested permission from the SEC to introduce spot XRP ETFs. Those funds would provide institutional and retail investors with a simple path to XRP exposure free from the hassle and fees associated with cryptocurrency exchanges.

此外，幾位資產管理人員已要求SEC允許引入SPOT XRP ETF。這些資金將為機構和散戶投資者提供簡單的XRP風險途徑，擺脫與加密貨幣交易所相關的麻煩和費用。

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