Ripple推出美元支援的穩定幣，準備挑戰加密貨幣規範

加密貨幣新創公司 Ripple 透過推出與美元掛鉤的數位貨幣進入穩定幣市場。該穩定幣由公司持有的美元存款、美國政府債券和現金等價物等資產進行一比一的支持。將提供儲備金的月鑑證報告，但審計師尚未揭露。 Ripple 的穩定幣旨在在市場波動期間提供穩定性，解決監管問題，並補充其 XRP 生態系統和按需流動性產品。儘管在 XRP 的採用方面面臨挑戰以及與 SEC 的持續法律鬥爭，Ripple 仍然對其未來以及穩定幣在加密貨幣行業中的作用持樂觀態度。

Ripple Unveils USD-Backed Stablecoin, Envisioning a Competitive and Compliant Cryptosphere

Ripple 推出美元支持的穩定幣，展望一個有競爭力且合規的加密圈

In a bold move that solidifies its foray into the realm of stablecoins, Ripple, a leading player in the digital asset realm, has launched a digital currency firmly anchored to the U.S. dollar's value. This move positions Ripple as a formidable competitor in a market dominated by stablecoin giants like Tether and USDC, as well as PayPal's dollar-pegged stablecoin.

數位資產領域的領先企業 Ripple 推出了一種與美元價值牢固錨定的數位貨幣，此舉鞏固了其進軍穩定幣領域的大膽舉措。此舉使 Ripple 在由 Tether 和 USDC 等穩定幣巨頭以及 PayPal 的美元掛鉤穩定幣主導的市場中成為強大的競爭對手。

Ripple's stablecoin guarantees a 1-to-1 backing by assets such as U.S. dollar deposits, U.S. government bonds, and cash equivalents held in reserve by the company. To enhance transparency and accountability, Ripple intends to provide monthly attestation reports detailing the composition of its reserves. The company has yet to disclose the firm responsible for auditing these reports.

Ripple的穩定幣由公司持有的美元存款、美國政府債券和現金等價物等資產提供1比1的支持。為了提高透明度和問責制，Ripple 打算提供每月的證明報告，詳細說明其儲備的組成。該公司尚未透露負責審計這些報告的公司。

Brad Garlinghouse, CEO of Ripple, attributed the decision to launch a stablecoin to the market instability triggered by the depegging episodes experienced by Tether's USDT and Circle's USDC. Garlinghouse highlighted the uncertainty surrounding the regulatory status of Tether in the U.S., contrasting it with Ripple's proven compliance record in multiple jurisdictions.

Ripple 執行長 Brad Garlinghouse 將推出穩定幣的決定歸因於 Tether 的 USDT 和 Circle 的 USDC 經歷的脫鉤事件引發的市場不穩定。 Garlinghouse 強調了 Tether 在美國監管狀況的不確定性，並將其與 Ripple 在多個司法管轄區經過驗證的合規記錄進行了對比。

Despite Tether's commanding market capitalization in the stablecoin space, doubts linger over the transparency of its reserves and its resilience during financial downturns. Ripple's stablecoin seeks to address these concerns by offering a more transparent and robust alternative for market participants.

儘管 Tether 在穩定幣領域的市值佔據主導地位，但人們對其儲備的透明度及其在金融低迷時期的恢復能力仍存有疑慮。 Ripple 的穩定幣旨在透過為市場參與者提供更透明、更強大的替代方案來解決這些擔憂。

Beyond its standalone significance, Ripple's stablecoin will also seamlessly integrate with the company's On-Demand Liquidity product, which facilitates speedy transactions between banks and financial institutions. Garlinghouse emphasized that Ripple remains committed to its XRP token for cross-border payments, despite facing challenges in persuading banks and payment firms to adopt it. He envisions stablecoins as a complementary asset within the XRP ecosystem, bolstering liquidity and presenting growth opportunities.

除了其獨立的意義之外，Ripple 的穩定幣還將與該公司的按需流動性產品無縫集成，從而促進銀行和金融機構之間的快速交易。 Garlinghouse 強調，儘管在說服銀行和支付公司採用 XRP 代幣方面面臨挑戰，但 Ripple 仍然致力於使用 XRP 代幣進行跨境支付。他將穩定幣視為 XRP 生態系統中的補充資產，增強流動性並提供成長機會。

However, Ripple's ambitions are not without legal hurdles. The U.S. Securities and Exchange Commission (SEC) initiated a lawsuit against the company in 2020, alleging that the sale of XRP to investors constituted an illegal offering of securities. A recent court ruling clarified that XRP does not inherently qualify as a security, yet certain sales to institutions ought to have been registered as securities transactions.

然而，Ripple 的野心並非沒有法律障礙。美國證券交易委員會（SEC）於2020年對該公司發動訴訟，指控向投資者出售XRP構成非法證券發行。最近的一項法院裁決澄清，XRP 本身並不符合證券的資格，但向機構進行的某些銷售應登記為證券交易。

Garlinghouse believes the SEC's $2 billion penalty demand is excessive, anticipating a final settlement in the "millions" rather than billions of dollars. Despite the ongoing legal battle, Garlinghouse exudes optimism about Ripple's future and its ability to navigate the regulatory landscape.

加林豪斯認為 SEC 的 20 億美元罰款要求過高，預計最終和解金額為「數百萬美元」而不是數十億美元。儘管法律鬥爭仍在繼續，加林豪斯對 Ripple 的未來及其應對監管環境的能力仍表現出樂觀態度。

Ripple's entry into the stablecoin market signifies a significant milestone for the company and the broader cryptocurrency industry. With plans to leverage the stablecoin within its existing product suite, Ripple aims to cement its market position and appease regulatory concerns. While formidable competition from established players like Tether and scrutiny from the SEC loom over the horizon, Ripple remains resolute in its mission to expand its offerings and cultivate the growth of the XRP ecosystem. The outcome of the SEC lawsuit and the market's reception to the stablecoin will undoubtedly shape Ripple's trajectory in the ever-evolving world of digital assets.

Ripple 進入穩定幣市場對於該公司和更廣泛的加密貨幣行業來說是一個重要的里程碑。 Ripple 計劃在其現有產品套件中利用穩定幣，旨在鞏固其市場地位並安撫監管擔憂。儘管來自 Tether 等老牌企業的激烈競爭以及美國證券交易委員會 (SEC) 的審查即將到來，但 Ripple 仍然堅定地履行其擴大產品和促進 XRP 生態系統發展的使命。 SEC 訴訟的結果以及市場對穩定幣的接受度無疑將塑造 Ripple 在不斷發展的數位資產世界中的發展軌跡。