Qubetics ($TICS)、Ripple (XRP) 和 Binance Coin (BNB)：徹底改變支付、跨境交易和區塊鏈生態系統，2024 年 12 月最值得投資的加密貨幣

今年 12 月，加密貨幣市場熱鬧非凡，多種加密貨幣取得了重大進展。自 11 月初以來，瑞波幣 (XRP) 已飆升 120%

The crypto market is buzzing this December, with several coins making significant strides. Among them, three stand out for their unique approaches to payments, cross-border transactions, and blockchain ecosystems.

今年 12 月，加密貨幣市場熱鬧非凡，多種加密貨幣取得了重大進展。其中，三者因其獨特的支付方式、跨境交易和區塊鏈生態系統而脫穎而出。

Fresh off a 120% price surge since early November, thanks to speculation of a more crypto-friendly regulatory environment under the new US administration, Ripple (XRP) is trading at $1.11. Meanwhile, Binance Coin (BNB) is also having a strong month, supported by its integral role in the Binance Smart Chain and expanding DeFi integrations, currently priced around $650.

由於人們猜測美國新政府的監管環境將更加友好，Ripple (XRP) 自 11 月初以來價格飆升了 120%，目前交易價格為 1.11 美元。與此同時，幣安幣（BNB）也經歷了強勁的一個月，這得益於其在幣安智能鏈中不可或缺的作用以及不斷擴大的 DeFi 集成，目前價格約為 650 美元。

On the other hand, Qubetics ($TICS) is making waves with its innovative approach to simplifying crypto transactions, aiming to make them as seamless as everyday payments. This user-centric approach has helped propel $TICS tokens to sell out in each presale phase, with the token price increasing by 10% in the next phase and a final 20% hike at the end of the presale. Early investors could see a potential ROI of 900%.

另一方面，Qubetics ($TICS) 以其簡化加密交易的創新方法掀起了波瀾，旨在使交易像日常支付一樣無縫。這種以用戶為中心的方法有助於推動 $TICS 代幣在每個預售階段售罄，代幣價格在下一階段上漲 10%，並在預售結束時最終上漲 20%。早期投資者可以看到 900% 的潛在投資報酬率。

Let’s dive into the details of each crypto and see how they're shaping the digital finance landscape.

讓我們深入研究每種加密貨幣的細節，看看它們如何塑造數位金融格局。

Qubetics ($TICS): Simplifying Everyday Crypto Payments

Qubetics ($TICS)：簡化日常加密支付

Using crypto for daily transactions can be a hassle, but Qubetics aims to change that with its non-custodial Multi-Chain Wallet, integrating seamlessly with Apple Pay, Google Pay, and desktop platforms. This makes crypto transactions as straightforward as swiping your card at a point-of-sale terminal.

使用加密貨幣進行日常交易可能會很麻煩，但 Qubetics 旨在透過其非託管多鏈錢包改變這一現狀，與 Apple Pay、Google Pay 和桌面平台無縫整合。這使得加密交易就像在銷售點終端刷卡一樣簡單。

A standout feature is its smart contract conversion mechanism, which automatically converts digital assets to fiat at the point of sale, protecting users from crypto market volatility and ensuring stable, secure transactions. Plus, with a No KYC (Know Your Customer) policy, users can transact without cumbersome verification processes, enhancing privacy and convenience.

一個突出的特點是其智能合約轉換機制，可在銷售點自動將數位資產轉換為法定貨幣，保護用戶免受加密貨幣市場波動的影響，並確保交易穩定、安全。此外，憑藉無 KYC（了解您的客戶）政策，使用者無需繁瑣的驗證流程即可進行交易，從而增強了隱私和便利性。

Imagine a freelancer working with international clients. With Qubetics, they can receive payments in crypto and have it instantly converted to fiat, avoiding the volatility and complexities of traditional banking. Similarly, a small business can accept various cryptocurrencies, with Qubetics handling the conversion to fiat seamlessly.

想像一下一個與國際客戶合作的自由工作者。借助 Qubetics，他們可以接收加密貨幣付款並將其立即轉換為法定貨幣，從而避免傳統銀行業務的波動性和複雜性。同樣，小型企業可以接受各種加密貨幣，Qubetics 可以無縫地處理與法定貨幣的轉換。

Currently, in Presale Phase 10, $TICS tokens are priced at $0.025, with over $3.6 million raised and more than 239 million tokens sold. With a 10% price increase in the next phase and a projected post-presale price of $0.25, early investors could see a potential ROI of 900%.

目前，在預售第 10 階段，$TICS 代幣定價為 0.025 美元，籌集了超過 360 萬美元，售出超過 2.39 億枚代幣。下一階段價格上漲 10%，預計預售後價格為 0.25 美元，早期投資者可以看到 900% 的潛在投資回報率。

Ripple (XRP): Leading Cross-Border Transactions

Ripple (XRP)：領先的跨境交易

In the realm of cross-border payments, few cryptos can match the impact of Ripple, and recent developments have only strengthened its position. Since early November, XRP has surged by 120%, reaching $1.11, fueled by expectations of a more lenient regulatory environment and growing institutional interest in digital assets.

在跨境支付領域，很少有加密貨幣能夠與 Ripple 的影響相媲美，而最近的發展只會加強其地位。自 11 月初以來，由於監管環境更加寬鬆以及機構對數位資產的興趣日益濃厚，XRP 已飆升 120%，達到 1.11 美元。

At the heart of Ripple's success is its On-Demand Liquidity service (ODL), which leverages XRP to facilitate real-time cross-border transactions, eliminating the need for pre-funded accounts and reducing costs. Several major financial institutions, including Santander and MoneyGram, have adopted Ripple’s technology, underscoring its real-world utility.

Ripple 成功的核心在於其按需流動性服務（ODL），該服務利用 XRP 促進即時跨境交易，消除了對預存資金帳戶的需求並降低了成本。包括桑坦德銀行和速匯金在內的幾家主要金融機構都採用了 Ripple 的技術，強調了其在現實世界中的實用性。

Imagine a small business owner needing to pay an overseas supplier. With Ripple’s ODL, they can complete the transaction in seconds, avoiding the delays and fees associated with traditional banking systems.

想像一下，一個小企業主需要向海外供應商付款。借助 Ripple 的 ODL，他們可以在幾秒鐘內完成交易，避免與傳統銀行系統相關的延遲和費用。

With increasing institutional interest and potential regulatory clarity, XRP stands out as one of the best cryptos to invest in December 2024.

隨著機構興趣的增加和潛在的監管清晰度，XRP 脫穎而出，成為 2024 年 12 月投資的最佳加密貨幣之一。

Binance Coin (BNB): The Ecosystem Powerhouse

幣安幣（BNB）：生態系統動力來源

More than just a utility token, Binance Coin is the lifeblood of the Binance ecosystem, and recent developments continue to expand its reach and utility. Trading near $650, BNB benefits from its integral role in the Binance Smart Chain (BSC), which supports a multitude of decentralized applications (dApps) and DeFi projects.

幣安幣不僅是一種實用代幣，它也是幣安生態系統的命脈，最近的發展不斷擴大其影響範圍和實用性。 BNB 的交易價格接近 650 美元，受益於其在幣安智能鏈 (BSC) 中的不可或缺的作用，該鏈支援眾多去中心化應用程式 (dApp) 和 DeFi 專案。

Among its extensive use cases are discounted trading fees on the Binance exchange, participation in token sales, and staking opportunities. Additionally, Binance regularly conducts “coin burns,” reducing BNB's total supply and potentially increasing its value over time.

其廣泛的用例包括幣安交易所的交易費用折扣、參與代幣銷售和質押機會。此外，幣安會定期進行“代幣銷毀”，減少 BNB 的總供應量，並可能隨著時間的推移增加其價值。

For instance, an investor using BNB to participate in a new token launch on BSC can benefit from lower fees and early access to promising projects. The expanding BSC ecosystem, with its focus on scalability and low transaction costs, continues to attract developers and users, enhancing BNB’s utility and demand.

例如，使用 BNB 參與 BSC 上新代幣發行的投資者可以受益於較低的費用和早期參與有前景的項目。不斷擴大的BSC生態系統以其可擴展性和低交易成本為重點，持續吸引開發者和用戶，並增強了BNB的效用和需求。

Given its central role in a leading crypto ecosystem and ongoing developments, Binance Coin remains a compelling choice for those seeking the best cryptos to buy in December 2024.

鑑於幣安幣在領先的加密生態系統中的核心作用以及持續的發展，對於那些尋求在 2024 年 12 月購買最佳加密貨幣的人來說，幣安幣仍然是一個令人信服的選擇。

Which Crypto to Choose?

選擇哪種加密貨幣？

Whether you're a seasoned crypto enthusiast or just starting to explore the digital finance world, these three cryptos offer distinct advantages and approaches to enhancing everyday transactions, cross-border payments, and blockchain ecosystems.

無論您是經驗豐富的加密貨幣愛好者還是剛開始探索數位金融世界，這三種加密貨幣都提供了獨特的優勢和方法來增強日常交易、跨境支付和區塊鏈生態系統。

Based on the latest research, we recommend Qubetics, Ripple,

根據最新研究，我們推薦 Qubetics、Ripple、