Ripple進軍穩定幣市場，公佈以美元計價的代幣計劃，以撼動主導地位

Ripple 將於今年稍晚在 XRP Ledger 和以太坊區塊鏈上推出美元支援的穩定幣。該穩定幣將與美元 1:1 掛鉤，並 100% 由美元存款、短期美國政府國債和其他現金等價物支持。 Ripple 的目標是透過這種穩定幣與市場領導者 USDT 和 USDC 競爭。

Ripple Unveils Plans for Dollar-Backed Stablecoin, Aiming to Disrupt Market Dominance

Ripple 公佈美元支持的穩定幣計劃，旨在顛覆市場主導地位

In a strategic move to challenge the dominance of market leaders Tether (USDT) and USD Coin (USDC), Ripple has announced its plans to launch a dollar-backed stablecoin later this year. The new stablecoin, pegged 1:1 to the US dollar, will be introduced on both the XRP Ledger and the Ethereum blockchain, aiming to capitalize on the rapidly expanding stablecoin market.

為了挑戰市場領導者 Tether (USDT) 和 USD Coin (USDC) 的主導地位，Ripple 宣布計劃在今年稍後推出美元支持的穩定幣。新的穩定幣與美元 1:1 掛鉤，將在 XRP Ledger 和以太坊區塊鏈上推出，旨在利用快速擴張的穩定幣市場。

The global stablecoin market, currently valued at approximately $150 billion, is projected to surge past $2.8 trillion by 2028, highlighting the immense demand for trust, stability, and utility within the cryptocurrency ecosystem. Recognizing this opportunity, Ripple believes its stablecoin is well-positioned to capture a significant share of this burgeoning market.

全球穩定幣市場目前價值約 1,500 億美元，預計到 2028 年將突破 2.8 兆美元，凸顯了加密貨幣生態系統內對信任、穩定性和實用性的巨大需求。 Ripple 意識到了這一機遇，相信其穩定幣處於有利地位，可以在這個新興市場中佔據重要份額。

According to Ripple's CEO, Brad Garlinghouse, the launch of a stablecoin is a natural progression for the company as it endeavors to bridge the gap between traditional finance and cryptocurrencies. Garlinghouse pointed to the recent "depegging" incidents involving USDT and USDC as a catalyst for Ripple's decision to enter the stablecoin arena.

Ripple 執行長 Brad Garlinghouse 表示，推出穩定幣是該公司的自然發展，因為該公司致力於彌合傳統金融和加密貨幣之間的差距。加林豪斯指出，最近涉及 USDT 和 USDC 的「脫鉤」事件是 Ripple 決定進入穩定幣領域的催化劑。

To ensure the stability and trustworthiness of its stablecoin, Ripple has committed to maintaining 100% backing with dollar deposits, US government treasuries, and other cash equivalents. This level of transparency and accountability addresses concerns raised about the opaque practices of some stablecoin issuers in the past.

為了確保其穩定幣的穩定性和可信度，Ripple 承諾維持 100% 的美元存款、美國政府國債和其他現金等價物支持。這種程度的透明度和問責制解決了人們對過去一些穩定幣發行人不透明做法的擔憂。

Ripple's Chief Technology Officer, David Schwartz, emphasized the importance of transparency as a core principle for their stablecoin. "We're going to have public audits on a monthly basis, hopefully by a top-tier accounting firm," Schwartz declared in an interview with CoinDesk. By ensuring regular independent verification, Ripple aims to instill confidence among users and regulators.

Ripple 的技術長 David Schwartz 強調了透明度作為其穩定幣核心原則的重要性。施瓦茨在接受 CoinDesk 採訪時宣稱：“我們將每月進行一次公開審計，希望由頂級會計師事務所進行。”透過確保定期的獨立驗證，Ripple 旨在向使用者和監管機構灌輸信心。

The decision to issue the stablecoin on both the XRP Ledger and Ethereum provides users with flexibility and accessibility. Ripple President Monica Long believes that the introduction of a trusted stablecoin onto the XRP Ledger will drive adoption and development, contributing to a more vibrant ecosystem.

在 XRP Ledger 和以太坊上發行穩定幣的決定為用戶提供了靈活性和可訪問性。 Ripple 總裁 Monica Long 認為，在 XRP Ledger 上引入值得信賴的穩定幣將推動採用和發展，為更具活力的生態系統做出貢獻。

Long also highlighted the potential for institutional use cases and exploration of unchartered opportunities in decentralized finance (DeFi) with the launch of the stablecoin. "Institutions have been hesitant to engage with cryptocurrencies due to volatility concerns. Our stablecoin offers a gateway for them to participate in the digital asset space with reduced risk," Long explained.

Long 也強調了隨著穩定幣的推出，機構用例的潛力以及去中心化金融（DeFi）中未知機會的探索。 「由於擔心波動性，機構一直在猶豫是否參與加密貨幣。我們的穩定幣為他們提供了一個以降低風險參與數位資產領域的門戶，」Long 解釋道。

Ripple's entry into the stablecoin market is expected to intensify competition and raise the bar for industry standards. With its focus on transparency, regulatory compliance, and adoption across multiple blockchains, Ripple is well-positioned to challenge the dominance of existing stablecoins and contribute to the broader growth and maturation of the cryptocurrency ecosystem.

Ripple進入穩定幣市場預計將加劇競爭並提高行業標準。 Ripple 專注於透明度、監管合規性和跨多個區塊鏈的採用，因此有能力挑戰現有穩定幣的主導地位，並為加密貨幣生態系統的更廣泛增長和成熟做出貢獻。

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