您應該忘記比特幣併購買 XRP（瑞波幣）嗎？

加密貨幣市場再次升溫。隨著第四個比特幣（加密貨幣：BTC）在七個月後減半以及 2024 年選舉中加密貨幣友好的結果，領先的代幣似乎準備再次飆升。

The value of XRP (CRYPTO:XRP) has skyrocketed 136% higher in November. For context, Bitcoin (CRYPTO:BTC) has gained 27% this month, and Ethereum (CRYPTO:ETH) is up by a richer 36%.

XRP (CRYPTO:XRP) 的價值在 11 月飆升了 136%。就背景而言，比特幣 (CRYPTO:BTC) 本月上漲了 27%，以太幣 (CRYPTO:ETH) 上漲了 36%。

But which cryptocurrency is a better way to build wealth in the crypto market: XRP, Ethereum, or Bitcoin? Let's take a closer look at their value propositions and recent performance.

但哪種加密貨幣是在加密貨幣市場累積財富的更好方式：XRP、以太幣還是比特幣？讓我們仔細看看他們的價值主張和最近的表現。

Why Bitcoin and Ethereum Hold More Value Over Time

為什麼比特幣和以太坊隨著時間的推移持有更多的價值

Generally, I expect Bitcoin and Ethereum to have more value than XRP in the long run. Here's why:

一般來說，從長遠來看，我預期比特幣和以太坊比 XRP 更有價值。原因如下：

Bitcoin aims to act as a general-purpose system for storing monetary value. It's designed to be a decentralized and censorship-resistant digital currency, aiming to replace fiat currencies and physical gold as a store of value.

比特幣旨在充當儲存貨幣價值的通用系統。它被設計為一種去中心化且抗審查的數位貨幣，旨在取代法定貨幣和實體黃金作為價值儲存手段。

Ethereum was built to power automated financial systems and other software applications, which are the foundation of decentralized finance (DeFi). It enables smart contracts, decentralized exchanges, and other complex financial instruments.

以太坊旨在為自動化金融系統和其他軟體應用程式提供動力，這是去中心化金融（DeFi）的基礎。它支援智慧合約、去中心化交易所和其他複雜的金融工具。

XRP's mission of providing quick, low-cost payments across international borders is still ambitious and legitimate -- but it can't compare to the larger visions of smart contracts and full-fledged digital currencies.

XRP 提供快速、低成本的跨境支付的使命仍然雄心勃勃且合法，但它無法與智能合約和成熟的數位貨幣的更大願景相提並論。

So, I don't expect XRP to outgrow Ethereum or Bitcoin forever. I suppose it could happen if another cryptocurrency (or some entirely new financial technology) replaces Bitcoin as the leading "digital gold" or if one of the so-called Ethereum killers provides an objectively superior smart contracts platform. That would be bad news for the old crypto kings but not necessarily good for XRP and its investors.

因此，我預計 XRP 的成長不會永遠超過以太幣或比特幣。我認為，如果另一種加密貨幣（或某種全新的金融技術）取代比特幣成為領先的“數位黃金”，或者所謂的以太坊殺手之一提供了客觀上優越的智能合約平台，那麼這種情況就可能發生。這對老牌加密貨幣之王來說是個壞消息，但對 XRP 及其投資者來說卻不一定是好事。

XRP's Evolving Market Position

XRP 不斷變化的市場地位

That being said, XRP has a lot of room to grow before butting heads with Ethereum and Bitcoin. It's the sixth-largest cryptocurrency by total market value today, far behind the giants at the top. It would be particularly shocking to see XRP carry a larger market cap than Bitcoin -- but it could multiply in value more than 20 times over without raising that question, and I'd have to assume that Bitcoin wasn't rising over the same period:

話雖如此，XRP 在與以太坊和比特幣正面交鋒之前還有很大的成長空間。以當今總市值計算，它是第六大加密貨幣，遠遠落後於頂級巨頭。看到 XRP 的市值比比特幣更大會特別令人震驚——但如果不提出這個問題，它的價值可能會增加 20 倍以上，而且我不得不假設比特幣在同一時期沒有上漲:

Cryptocurrency Market Capitalization 1-Year Price Change

加密貨幣市值一年價格變化

Bitcoin $1.93 trillion 167%

比特幣 1.93 兆美元 167%

Ethereum $395 billion 62%

以太坊 3,950 億美元 62%

XRP $80 billion 136%

XRP 800 億美元 136%

Data collected from CoinMarketCap on Nov. 22, 2024.

數據於 2024 年 11 月 22 日從 CoinMarketCap 收集。

Bitcoin aims to replace physical gold as a system for storing financial value. That's about a $14 trillion market today.

比特幣旨在取代實體黃金作為儲存金融價值的系統。如今這個市場規模約為 14 兆美元。

The global volume of border-crossing payments is much larger than that, estimated at approximately $190 trillion a year. But the fees, currency exchange costs, and service expenses associated with these massive money flows are far smaller at $193 billion in 2023.

全球跨境支付量遠大於此，估計每年約 190 兆美元。但與這些巨額資金流動相關的費用、貨幣兌換成本和服務費用要小得多，到 2023 年僅為 1,930 億美元。

So, XRP is aiming for a smaller revenue-generating opportunity. And keep in mind that its RippleNet payment service is known for moving money with minimal fees. So, the token's actual revenue target will be far below the current banking system's share of foreign money transfers.

因此，XRP 的目標是較小的創收機會。請記住，其 RippleNet 支付服務以最低費用轉移資金而聞名。因此，該代幣的實際收入目標將遠低於目前銀行系統在國外匯款的份額。

XRP Deserves Your Consideration Alongside Larger Coins

XRP 值得您與更大的硬幣一起考慮

Now you know how XRP's long-term value compares to Bitcoin's and Ethereum's, and I've touched on the limits of this token's target market. Bitcoin can clearly fill a role in your portfolio that XRP isn't even trying to address, and the same can be said about Ethereum. A well-rounded cryptocurrency portfolio should have some exposure to the two largest names in this sector.

現在您知道 XRP 的長期價值與比特幣和以太坊相比如何，並且我已經觸及了該代幣目標市場的限制。比特幣顯然可以在您的投資組合中填補 XRP 甚至沒有試圖解決的角色，以太坊也是如此。全面的加密貨幣投資組合應該對該領域的兩個最大的公司有一定的投資。

I'm not saying you should sell your Bitcoin and go all-in on XRP today. Still, the XRP token looks undervalued and has plenty of room for growth in the next few years. The legal challenge brought by the U.S. Securities and Exchange Commission four years ago should wrap up in 2025.

我並不是說你今天應該賣掉你的比特幣並全力買入 XRP。儘管如此，XRP 代幣看起來仍被低估，並且在未來幾年有很大的成長空間。美國證券交易委員會四年前提出的法律挑戰預計將於 2025 年結束。

Money center banks worldwide are taking blockchain-based payment systems more seriously than ever, with XRP playing a leading role in that adoption trend. And the RippleNet service is getting busy -- the number of daily XRP payments has tripled in six months.

全球貨幣中心銀行比以往任何時候都更加重視基於區塊鏈的支付系統，XRP 在這一採用趨勢中發揮主導作用。 RippleNet 服務變得越來越繁忙——每日 XRP 支付數量在六個月內增加了兩倍。

I could keep talking about positive trends in the Ripple space, from liquidity pools to central bank digital currencies, but you get my point. This fairly large cryptocurrency is going places.

我可以繼續談論 Ripple 領域的積極趨勢，從流動性池到央行數位貨幣，但你明白我的意思。這種相當大的加密貨幣正在流行。

So, on top of the generally bullish mood in the crypto sector, XRP has several growth catalysts in play. Don't forget Bitcoin and keep Ethereum in mind as well, but you should also make room for another winning name. A modest scoop of XRP tokens should serve your nest egg well in this bull market.

因此，除了加密貨幣產業普遍看漲的情緒之外，XRP 還有幾個成長催化劑在發揮作用。不要忘記比特幣，也不要忘記以太坊，但你也應該為另一個獲勝的名字騰出空間。在這個多頭市場中，適量的 XRP 代幣應該可以很好地滿足您的儲蓄需求。