比較前4個付款技術：XRP（Ripple），Alchemy Pay（ACH），Stellar（XLM）和FlexA（amp）

本文提供了四種突出的支付技術的深入比較：XRP（Ripple），Alchemy Pay（ACH），Stellar（XLM）和FlexA（AMP），重點關注其交易速度

In the rapidly evolving world of digital payments, selecting the optimal platform can make a substantial difference for both businesses and consumers. This article provides a comprehensive comparison of four prominent payment technologies: XRP (Ripple), Alchemy Pay (ACH), Stellar (XLM), and Flexa (AMP).

在快速發展的數字支付世界中，選擇最佳平台可以對企業和消費者產生重大影響。本文提供了四種突出的支付技術的全面比較：XRP（Ripple），Alchemy Pay（ACH），Stellar（XLM）和FlexA（AMP）。

The analysis delves into their transaction speeds, fee structures, real-world applications, token utility, and overall ecosystem.

分析研究了他們的交易速度，費用結構，現實世界應用，代幣實用程序和整體生態系統。

Technology and Consensus Mechanisms

技術和共識機制

XRP (Ripple)

XRP（波紋）

Created by Ripple Labs, XRP is designed to optimize cross-border transactions, particularly for financial institutions. Operating on the XRP Ledger, a more centralized blockchain, it achieves rapid transaction processing times of 3-5 seconds and a high throughput of 1,500 transactions per second (TPS).

XRP由Ripple Labs創建，旨在優化跨境交易，特別是對於金融機構。它在XRP分類帳（一個更集中的區塊鏈）上運行，它的快速交易處理時間為3-5秒，高吞吐量為每秒1,500筆交易（TPS）。

The Ripple Protocol Consensus Algorithm (RPCA) relies on a list of trusted validators to reach consensus, eliminating the need for mining and highlighting its operational efficiency and reliability.

Ripple協議共識算法（RPCA）依賴於受信任驗證者的列表來達成共識，從而消除了採礦的需求並突出其運營效率和可靠性。

Alchemy Pay (ACH)

煉金術工資（ACH）

Initially an ERC-20 token on Ethereum, Alchemy Pay ACH bridges fiat and crypto through smart contracts and off-chain solutions like the Lightning Network.

最初，Alchemy Pay ACH Bridges Fiat和Crypto通過智能合約和諸如Lightning Network之類的鍊鍊解決方案是Elc-20代幣。

The recent development towards a Layer-1 blockchain, Alchemy Chain, aims to enhance scalability and payment processing capabilities. However, currently relying on Ethereum affects its transaction fees and speeds.

最近針對1層區塊鏈Alchemy Chain的發展旨在增強可擴展性和付款處理能力。但是，目前依靠以太坊會影響其交易費用和速度。

Stellar (XLM)

恆星（XLM）

Stellar XLM operates on an open-source network that aims to increase financial inclusivity globally. Using the Stellar Consensus Protocol (SCP), a Federated Byzantine Agreement system, it achieves consensus without financial incentives for validators.

Stellar XLM在開源網絡上運行，旨在在全球範圍內提高財務包容性。使用恆星共識協議（SCP），一個聯合的拜占庭協議系統，它在沒有對驗證者的經濟激勵措施的情況下達成共識。

This system supports low-latency transactions, with the capability to process up to 1,000 TPS, and completes transactions in 2-5 seconds.

該系統支持低延遲交易，並具有多達1,000 TP的能力，並在2-5秒內完成交易。

Flexa (AMP)

flexa（amp）

Flexa utilizes its AMP token as collateral on its decentralized platform, ensuring instant, fraud-proof payments directly at point-of-sale. Built on Ethereum with smart contract functionality, Flexa supports over 99 digital assets across multiple blockchains, guaranteeing security and transaction speed typically under one second.

Flexa將其放大器令牌用作其分散平台上的抵押品，確保直接在銷售點上直接，防欺詐的付款。 FlexA建立在具有智能合同功能的以太坊的基礎上，支持多個區塊鏈的99多種數字資產，可確保安全性和交易速度通常不到一秒鐘。

Transaction Speed and Fees

交易速度和費用

Each platform has tailored its technology to meet specific needs:

每個平台都量身定制其技術以滿足特定需求：

Real-world Use Cases and Adoption

現實世界的用例和採用

XRP (Ripple)

XRP（波紋）

Focuses on financial institutions, including banks, payment service providers, and crypto businesses. According to Ripple Customers, its clients span across different regions and specialties, such as Banco Rendimento, IndusInd Bank, and Tranglo, with the goal of expanding global payments and liquidity management. XRP is suitable for institutions that need fast and low-cost international transaction solutions.

專注於金融機構，包括銀行，支付服務提供商和加密貨幣業務。根據Ripple客戶的說法，其客戶跨越了不同地區和專業，例如Banco Rendimento，Indusind Bank和Tranglo，目的是擴大全球付款和流動性管理。 XRP適用於需要快速和低成本國際交易解決方案的機構。

Alchemy Pay (ACH)

煉金術工資（ACH）

Targets merchants, consumers, and blockchain platforms, particularly in retail and e-commerce. According to Alchemy Pay About, ACH supports over 70 countries with 300 payment channels, serving over 2 million merchants through partnerships with Shopify and Binance, aiding in integrating crypto into retail systems.

針對商人，消費者和區塊鏈平台，特別是在零售和電子商務中。根據Alchemy Pay的說法，ACH通過與Shopify和Binance的合作夥伴關係為超過200萬個付款渠道提供了70多個國家，為超過200萬人提供服務，並有助於將加密貨幣集成到零售系統中。

Stellar (XLM)

恆星（XLM）

Serves both individuals and institutions, with a focus on financial inclusion, especially for the unbanked. According to the Stellar Ecosystem, Stellar supports projects such as digital wallets, DeFi, and global payments, with partners like IBM and Franklin Templeton, making it ideal for developing markets.

為個人和機構提供服務，重點是財務包容性，尤其是對於沒有銀行銀行銀行銀行銀行銀行銀行銀行銀行銀行化。根據Stellar生態系統的說法，Stellar與IBM和Franklin Templeton這樣的合作夥伴提供了數字錢包，DEFI和全球付款等項目，使其非常適合發展中的市場。

Flexa (AMP)

flexa（amp）

Focuses on merchants and consumers for retail crypto payments. According to Flexa Payments, Flexa supports over 99 digital assets, with partners like InComm Payments and Blackhawk Network, helping merchants accept crypto at the point of sale (POS) and online.

專注於商人和消費者進行零售加密付款。根據Flexa Payments的說法，FlexA支持超過99個數字資產，與Incomm Payments和Blackhawk Network等合作夥伴一起，幫助商人在銷售點（POS）和在線接受加密貨幣。

Partnerships

夥伴關係

XRP (Ripple)

XRP（波紋）

Has a broad list of partners, including banks and financial institutions such as Santander, Standard Chartered, BBVA, and Nium, with over 100 partners according to Ripple Customers. These partnerships enhance cross-border payment capabilities, particularly in Asia and Latin America.

根據Ripple客戶的說法，擁有大量合作夥伴，包括銀行和金融機構，例如Santander，Standard Chartered，BBVA和Nium，其中100多名合作夥伴。這些夥伴關係增強了跨境支付能力，尤其是在亞洲和拉丁美洲。

Alchemy Pay (ACH)

煉金術工資（ACH）

Collaborates with major platforms like Shopify, QFPay, Arcadier, Binance, Visa, and MasterCard, reaching over 2 million merchants, according to Alchemy Pay Partnerships. This helps ACH expand its global payment network, especially in e-commerce.

根據Alchemy Pay Party夥伴關係，與Shopify，Qfpay，Arcadier，Binance，Visa和Mastercard等主要平台合作，達到了200萬人。這有助於ACH擴大其全球支付網絡，尤其是在電子商務中。

Stellar (XLM)

恆星（XLM）

Partners with IBM, Franklin Templeton, Oradian, and various fintech companies, according to Stellar Partnerships. These partnerships support the deployment of payment and financial solutions for emerging markets, including tokenized mutual funds built on Stellar.

根據Stellar合作夥伴關係，與IBM，Franklin Templeton，Oradian和各種金融科技公司合作。這些合作夥伴關係支持新興市場的付款和金融解決方案的部署，包括建立在Stellar上的令牌化共同基金。

Flexa (AMP)

flexa（amp）

Works with InComm Payments, Blackhawk Network, Citcon, GK, Rooam, and Bancoagrícola, according to Flexa Partnership News. These collaborations enable Flexa to integrate with POS systems and expand crypto acceptance in North America and El Salvador.

根據Flexa Partnership News的報導，與Incomm Payments，Blackhawk Network，Citcon，GK，Rooam和Bancoagrícola合作。這些合作使FlexA能夠與POS系統集成並擴大北美和薩爾瓦多的加密貨幣接受。

Level of Decentralization

權力下放水平

XRP (Ripple)

XRP（波紋）

The level of decentralization is controversial. XRP uses the Ripple Protocol Consensus Algorithm (RPCA) with trusted validators. However, Ripple controls a significant number of nodes and holds a large portion of XRP, raising concerns about centralization.

權力下放的水平是有爭議的。 XRP使用帶有受信任驗證器的Ripple協議共識算法（RPCA）。但是，Ripple控制著大量的節點，並擁有很大一部分XRP，從而引起了人們對集中化的擔憂。

Alchemy Pay (ACH)

煉金術工資（ACH）

Currently, payment processing may be centralized, even though the ACH token is decentralized on Ethereum. The planned launch of its own blockchain

目前，即使ACH代幣在以太坊中分散，付款處理也可能集中。計劃推出自己的區塊鏈