Ripple以美元支持的代幣進軍穩定幣領域

Ripple 宣布計劃以美元支持的代幣進入穩定幣市場。此舉旨在使當前的穩定幣生態系統多樣化並增強，預計該生態系統將在未來幾年呈指數級增長。 Ripple的穩定幣最初將在XRP Ledger和以太坊區塊鏈上發行，並將與美元以1:1的比例掛鉤，以美元存款、短期美國政府國債和現金等價物為支持。該公司將專注於合規性和透明度，旨在與另一家領先的穩定幣發行商 Circle 的 USDC 直接競爭。

Ripple Embarks on Stablecoin Market Expansion with US Dollar-Backed Token

Ripple 透過美元支持的代幣拓展穩定幣市場

In a strategic move to capitalize on the burgeoning stablecoin market, Ripple, the issuer of the XRP token, has officially announced its entry into the digital asset sector with the forthcoming launch of a US dollar-backed stablecoin. This development signifies Ripple's ambitious aspirations to challenge the dominance of established players such as Tether (USDT) and USD Coin (USDC).

為了充分利用新興的穩定幣市場，XRP 代幣發行人 Ripple 正式宣布進軍數位資產領域，即將推出美元支援的穩定幣。這一發展標誌著 Ripple 雄心勃勃地希望挑戰 Tether (USDT) 和 USD Coin (USDC) 等老牌參與者的主導地位。

Diversifying the Stablecoin Ecosystem

穩定貨幣生態系統多元化

The initiative, which will initially see the token issued on both the XRP Ledger and Ethereum blockchain, is primarily driven by Ripple's belief that the current stablecoin landscape lacks sufficient diversity and robustness. With the global stablecoin market projected to exceed $2 trillion by 2028, Ripple believes there is ample room for an additional major player to emerge.

該計劃最初將在 XRP Ledger 和以太坊區塊鏈上發行代幣，主要是由於 Ripple 認為當前的穩定幣格局缺乏足夠的多樣性和穩健性而推動的。隨著全球穩定幣市場預計到 2028 年將超過 2 兆美元，Ripple 相信還有足夠的空間出現更多的主要參與者。

"We believe the stablecoin market will continue to grow exponentially, and we see an opportunity to contribute to its development," said David Schwartz, Ripple's Chief Technology Officer. "We don't believe it's a winner-take-all ecosystem, particularly in the DeFi space."

Ripple 首席技術長 David Schwartz 表示：“我們相信穩定幣市場將繼續呈指數級增長，我們看到了為其發展做出貢獻的機會。” “我們不認為這是一個贏家通吃的生態系統，特別是在 DeFi 領域。”

Compliance-First Approach

合規第一的方法

Ripple's stablecoin will be pegged to the US dollar at a 1:1 ratio, with the company intending to maintain a robust reserve consisting of US dollar deposits, short-term US government Treasuries, and other cash equivalents. This approach closely mirrors the compliance-focused strategy employed by Circle, the issuer of USDC, which has garnered widespread recognition for its commitment to transparency and regulatory oversight.

Ripple的穩定幣將以1:1的比例與美元掛鉤，該公司打算維持由美元存款、短期美國政府國債和其他現金等價物組成的強勁儲備。這種方法與 USDC 發行人 Circle 所採用的以合規為中心的策略密切相關，Circle 因其對透明度和監管監督的承諾而獲得了廣泛認可。

"Our angle is going to be very 'compliance-first'," said Schwartz. "We're very transparent about how the assets are backed, so we're kind of going to be directly competing against USDC."

“我們的角度將非常‘合規第一’，”施瓦茨說。 “我們對資產的支持方式非常透明，因此我們將直接與 USDC 競爭。”

Balancing Innovation with Risk Management

平衡創新與風險管理

In an effort to assuage concerns regarding the potential misuse of customer funds, Ripple will engage a third-party accounting firm to audit its reserve assets. Monthly attestations will be released to provide regular updates on the stablecoin's backing.

為了減輕對潛在濫用客戶資金的擔憂，Ripple 將聘請第三方會計師事務所對其儲備資產進行審計。將每月發布證明，以提供穩定幣支援的定期更新。

"We're not looking to take excessive risks with other people's money," Schwartz emphasized. "Our goal is to provide a safe and reliable stablecoin while capturing market share."

「我們不打算用別人的錢來承擔過度的風險，」施瓦茨強調。 “我們的目標是提供安全可靠的穩定幣，同時佔領市場份額。”

Complementing the Ripple Ecosystem

補充 Ripple 生態系統

While XRP remains the primary token for Ripple's real-time gross settlement system, currency exchange, and remittance network, the introduction of a stablecoin is seen as a strategic move to enhance the ecosystem's offerings. Non-bank payment companies utilizing Ripplenet will now have access to a stable alternative for facilitating transparent payments, particularly in markets where XRP liquidity is limited.

雖然 XRP 仍然是 Ripple 即時總結算系統、貨幣兌換和匯款網路的主要代幣，但穩定幣的引入被視為增強生態系統產品的戰略舉措。使用 Ripplenet 的非銀行支付公司現在將能夠獲得穩定的替代方案來促進透明支付，特別是在 XRP 流動性有限的市場中。

"Having multiple paths to provide a better experience means having more customers," Schwartz explained. "If we only used XRP, we'd have to say no to customers where it wasn't available."

「擁有多種途徑來提供更好的體驗意味著擁有更多的客戶，」施瓦茨解釋道。 “如果我們只使用 XRP，我們就不得不對無法使用 XRP 的客戶說不。”

Embracing Market Volatility

擁抱市場波動

The stablecoin will also complement Ripple's recently launched automated market maker (AMM), providing additional liquidity and enabling arbitrage opportunities across multiple assets. Schwartz believes that the stablecoin's ability to absorb volatility will further strengthen the overall ecosystem.

該穩定幣還將補充Ripple最近推出的自動做市商（AMM），提供額外的流動性並提供跨多種資產的套利機會。施瓦茨認為，穩定幣吸收波動的能力將進一步強化整個生態系統。

Credibility as a Competitive Advantage

信譽作為競爭優勢

Ripple recognizes the importance of establishing credibility in the nascent stablecoin market. The company's strong track record, financial stability, and commitment to regulatory compliance are expected to serve as key differentiators in its pursuit of market share.

Ripple 認識到在新興穩定幣市場建立信譽的重要性。該公司良好的業績記錄、財務穩定性和對監管合規的承諾預計將成為其追求市場份額的關鍵差異化因素。

"I think we have a credible claim to be in the conversation near the top," said Schwartz. "If at the end of two years, we're number three, but the market has grown to 10 times what it is today, that's still pretty good."

施瓦茨說：“我認為我們有可信的理由在對話中處於領先地位。” “如果兩年後我們排名第三，但市場增長到今天的 10 倍，那仍然相當不錯。”

Conclusion

結論

Ripple's entry into the stablecoin market represents a significant development in the digital asset landscape. The company's focus on compliance, robust reserve management, and ecosystem integration positions it as a formidable competitor within the rapidly growing stablecoin sector. As the market continues to evolve, Ripple's stablecoin has the potential to make a substantial impact on the broader cryptocurrency ecosystem.

Ripple進入穩定幣市場代表數位資產領域的重大發展。該公司對合規性、強大的儲備管理和生態系統整合的關注使其成為快速成長的穩定幣領域的強大競爭對手。隨著市場的不斷發展，瑞波幣的穩定幣有可能對更廣泛的加密貨幣生態系統產生重大影響。