現在哪些加密貨幣值得投資？

比特幣是數位貨幣的最初例子，本月稍早創下每枚 99,830 美元（79,541 英鎊）的歷史新高，並且可能會進一步攀升。

Cryptocurrencies are booming once again. Bitcoin, the original example of digital money, hit a record high of $99,830 (£79,541) per coin earlier this month, and may have further to climb.

加密貨幣再次蓬勃發展。比特幣是數位貨幣的最初例子，本月稍早創下每枚 99,830 美元（79,541 英鎊）的歷史新高，並且可能會進一步攀升。

It is no wonder, when President-elect Donald Trump has previously pledged to turn the US into ‘the world capital of Bitcoin’.

難怪當選總統川普先前曾承諾將美國變成「世界比特幣之都」。

It’s just two and a half years since cryptocurrencies faced such a plunge in value that many thought they would all but sink into oblivion.

僅僅兩年半以來，加密貨幣的價值就出現瞭如此大的暴跌，以至於許多人認為它們幾乎會被遺忘。

In May 2022, holders lost around £300 billion of value in under a month and by the end of that year bitcoin was worth under $17,000.

2022 年 5 月，比特幣持有者在不到一個月的時間內損失了約 3,000 億英鎊的價值，到當年年底，比特幣的價值不到 17,000 美元。

Now its value has soared by over 150 per cent in just 12 months and many financial experts predict it could break through the $100,000 barrier this year. Other cryptocurrencies have seen similar resurgences.

現在它的價值在短短 12 個月內飆升了 150% 以上，許多金融專家預測今年它可能會突破 10 萬美元大關。其他加密貨幣也出現了類似的復甦。

So is it now a viable investment – or as volatile and dangerous as it ever was? And for those wishing to take a punt, where are experts spying opportunities – and which options are duds? Should you get stuck in?

那麼，它現在是一項可行的投資嗎——還是像以前一樣不穩定和危險？對於那些想要冒險的人來說，專家在哪裡尋找機會——哪些選擇是失敗的？你應該被困在裡面嗎？

Before you take the plunge into the world of cryptocurrencies, remember they are not an investment.

在您投入加密貨幣世界之前，請記住它們不是投資。

They are largely unregulated, very volatile and high risk – and if you lose money, you have no protection under the Financial Services Compensation Scheme safety net.

它們基本上不受監管、波動性很大且風險很高——如果您虧損，您將無法獲得金融服務補償計劃安全網的保護。

Scammers also take advantage of the lack of understanding and regulation of cryptocurrencies to steal savers’ cash.

詐騙者也利用對加密貨幣缺乏了解和監管來竊取儲戶的現金。

Bitcoin, Ethereum and Dogecoin

比特幣、以太坊和狗狗幣

Matthew Long, director of payments and digital assets at the Financial Conduct Authority (FCA), says: ‘We continue to warn people about scams and inform them of the risks associated with crypto. If you buy crypto, be prepared to lose all your money.’

英國金融行為監理局 (FCA) 支付和數位資產主管 Matthew Long 表示：「我們將繼續警告人們提防詐騙，並告知他們與加密貨幣相關的風險。如果你購買加密貨幣，請做好損失所有錢的準備。

That said, cryptocurrency ownership is on the rise, with 12 per cent of UK adults now owning some, figures from the FCA reveal.

儘管如此，FCA 的數據顯示，加密貨幣的擁有量正在增加，目前有 12% 的英國成年人擁有加密貨幣。

Clearly it is capturing people’s curiosity. So, if you have money that you are willing to take a punt with, and feel confident you know how to buy cryptocurrency safely, where are experts suggesting you should look for opportunities?

顯然它正在抓住人們的好奇心。因此，如果您有錢願意冒險，並且有信心知道如何安全地購買加密貨幣，那麼專家建議您應該在哪裡尋找機會？

1. Bitcoin

1. 比特幣

Bitcoin is the biggest, best-known and most established cryptocurrency. It is the closest to gaining acceptance by the investment establishment. Traditional fund managers at investment houses – such as Ruffer, Schroders and Jupiter – have bought it in the past though never more than a small fraction of portfolios.

比特幣是最大、最知名、最成熟的加密貨幣。這是最接近獲得投資機構認可的。魯弗（Ruffer）、施羅德（Schroders）和朱庇特（Jupiter）等投資公司的傳統基金經理人過去也曾購買過它，但只佔投資組合的一小部分。

This growing acceptance, combined with Trump’s return, has many thinking that another run higher is possible.

這種日益增長的接受度，加上川普的回歸，讓許多人認為，再次走高是可能的。

IG Markets analyst Tony Sycamore says: ‘Bitcoin’s recent rally fell short of the $100,000 mark, leading to a pullback. This retracement is seen as a natural correction, with expectations of a retest of the $100,000 level in the coming weeks. The presence of a pro-crypto President in the White House bolsters long term optimism for Bitcoin.’

IG Markets 分析師 Tony Sycamore 表示：「比特幣最近的漲勢未能突破 10 萬美元大關，導致回檔。此次回調被視為自然回調，預計未來幾週將重新測試 10 萬美元水準。一位支持加密貨幣的總統入主白宮增強了人們對比特幣的長期樂觀情緒。

2. Uniswap

2、Uniswap

Founded in 2018 by a former Siemens engineer, this is a cryptocurrency exchange that is owned by its users. Those who own its namesake digital coins have the right to vote on changes to how it operates.

這是由前西門子工程師於 2018 年創立的加密貨幣交易所，由其用戶擁有。那些擁有同名數位貨幣的人有權就其運作方式的改變進行投票。

It is currently valued at $12.99 a token and has doubled over the past 12 months.

目前每個代幣的價值為 12.99 美元，在過去 12 個月中已經翻了一番。

Glen Goodman, author of bestseller The Crypto Trader and former ITV News business correspondent, says the fact that Uniswap is owned by its users rather than a big corporation may appeal to crypto enthusiasts who believe it is set to disrupt traditional finance.

暢銷書《The Crypto Trader》的作者、前ITV News 商業記者格倫·古德曼(Glen Goodman) 表示，Uniswap 由用戶而非大公司擁有的事實可能會吸引加密貨幣愛好者，他們認為Uniswap 將顛覆傳統金融。

‘This project revolutionised crypto trading and showed the world what the future of finance might look like,’ he says.

「這個項目徹底改變了加密貨幣交易，並向世界展示了金融的未來可能會是什麼樣子，」他說。

‘It’s a decentralised marketplace for buying and selling cryptos. The big stock exchanges are run by large corporations, but Uniswap is governed by a community of its users.’

「這是一個用來買賣加密貨幣的去中心化市場。大型證券交易所由大公司經營，但 Uniswap 則由其用戶社群管理。

3. Ethereum

3.以太坊

The second most popular cryptocurrency is worth an impressive $434.5 billion, but this is still 78 per cent smaller than the market for Bitcoin.

第二受歡迎的加密貨幣價值高達 4,345 億美元，但這仍然比比特幣市場小 78%。

Although network and technological improvements may help demand for Ethereum, Danny Scott, author of Bitcoin: Explained Like I’m 5 and chief executive of the Coincorner crypto dealer, said that sentiment towards Bitcoin will ultimately determine its future performance.

儘管網路和技術的改進可能會增加對以太坊的需求，但《比特幣：像我5 歲一樣解釋》一書的作者、Coincorner 加密貨幣交易商的首席執行官丹尼·斯科特(Danny Scott ) 表示，對比特幣的情緒最終將決定其未來的表現。

‘As the famous saying goes, “a rising tide lifts all boats”,’ he remarks.

“俗話說，‘水漲船高’，”他說。

4. Cardano

4.卡爾達諾

This coin was founded in 2017 and its co-creator Charles Hoskinson helped create Ethereum.

該幣成立於 2017 年，其聯合創始人 Charles Hoskinson 幫助創建了以太坊。

Like Bitcoin, it is viewed as a ‘Trump trade’, having seen its value skyrocket since the US election.

與比特幣一樣，它被視為“川普交易”，自美國大選以來其價值飆升。

Goodman says: ‘This blockchain platform has struggled to gain popularity over the years, but now the founder claims he hopes to be advising the Trump administration. Cardano’s price has been rocketing in anticipation of Hoskinson getting a role close to the president.’

古德曼說：「多年來，這個區塊鏈平台一直在努力普及，但現在創辦人聲稱他希望為川普政府提供建議。由於預期霍斯金森將獲得與總統關係密切的職位，卡爾達諾的身價一直在飆升。