Ripple（XRP）仍然是百萬富翁製造商的加密貨幣嗎？

夢想在金融市場賺取數百萬美元。對許多人來說，加密貨幣產業幫助將這個願景變成了現實。 Ripple 網路的原生代幣 XRP（加密貨幣：XRP）是這個獨特資產類別的爆炸性潛力的絕佳例子。

Many investors dream of making millions in financial markets. And for some, the cryptocurrency industry has helped turn that vision into a reality. The Ripple network's native token XRP (CRYPTO: XRP) is an excellent example of the explosive potential in this unique asset class.

許多投資者夢想在金融市場賺到數百萬美元。對某些人來說，加密貨幣產業幫助將這個願景變成了現實。 Ripple 網路的原生代幣 XRP（加密貨幣：XRP）是這個獨特資產類別爆炸性潛力的絕佳範例。

If you had bought $10,000 worth of XRP in 2015, your stake would be valued at over $2 million today -- a return of 20,700%. A bet on the S&P 500 would be up just 300% over the same time frame. That said, past performance is no guarantee of future results. Let's dig deeper to see if XRP still boasts millionaire-maker potential in 2025 and beyond.

如果您在 2015 年購買了價值 10,000 美元的 XRP，那麼您所持有的股份如今價值將超過 200 萬美元，回報率為 20,700%。同期標準普爾 500 指數的押注僅上漲 300%。也就是說，過去的表現並不能保證未來的結果。讓我們更深入地了解 XRP 在 2025 年及以後是否仍然具有成為百萬富翁的潛力。

A focus on real-world utility

注重現實世界的實用性

Created in 2013, Ripple is a blockchain network designed to tackle large, real-world use cases like international payments. This industry is currently dominated by antiquated systems like the Society for Worldwide Interbank Financial Telecommunication (SWIFT), a money transfer infrastructure created in the 1970s that can take days to process transactions.

Ripple 創建於 2013 年，是一個區塊鏈網絡，旨在解決國際支付等大型現實世界用例。該行業目前由過時的系統主導，例如全球銀行間金融電信協會 (SWIFT)，這是 20 世紀 70 年代創建的匯款基礎設施，可能需要數天的時間才能處理交易。

Ripple lets users bypass SWIFT by using its native XRP token as a bridge between different currencies. For example, instead of converting U.S. dollars to Mexican Pesos, Ripple could convert the dollars to XRP and then use the XRP to buy pesos, cutting out the middleman. This real-world use case could create fundamental demand for XRP, and the Ripple network has some advantages that could give it a sustainable edge.

Ripple 允許用戶使用其原生 XRP 代幣作為不同貨幣之間的橋樑，從而繞過 SWIFT。例如，Ripple 可以將美元兌換成 XRP，然後使用 XRP 購買比索，從而省去中間商，而不是將美元兌換成墨西哥比索。這個現實世界的用例可能會創造對 XRP 的基本需求，而 Ripple 網路具有一些優勢，可以賦予其可持續的優勢。

Unlike SWIFT, Ripple processes transactions in three to five seconds (the network can handle 1,500 transactions per second). It also boasts a remarkably low fee structure of just 0.00001 XRP per transaction, a tiny fraction of a cent. For comparison, Bitcoin transactions cost around $1.90 and can take from 10 minutes to hours, depending on network traffic.

與 SWIFT 不同，Ripple 在三到五秒內處理交易（網路每秒可以處理 1,500 筆交易）。它還擁有非常低的費用結構，每筆交易僅為 0.00001 XRP，不到一美分。相比之下，比特幣交易成本約為 1.90 美元，可能需要 10 分鐘到幾個小時，具體取決於網路流量。

Growing mainstream acceptance

主流接受度不斷提高

In terms of raw performance, Ripple has fallen behind newer, speed-focused blockchain networks like Solana, which can theoretically process a whopping 65,000 transactions per second. That said, investors shouldn't discount the power of Ripple's branding and established reputation.

就原始效能而言，Ripple 落後於 Solana 等更新的、注重速度的區塊鏈網絡，Solana 理論上每秒可以處理高達 65,000 筆交易。也就是說，投資者不應低估 Ripple 品牌和聲譽的力量。

Platform developer Ripple Labs has already secured partnerships with financial institutions, including Santander Bank and Canadian Imperial Bank of Commerce. The platform's recent regulatory wins could also open the door for more mainstream acceptance.

平台開發商 Ripple Labs 已經與桑坦德銀行和加拿大帝國商業銀行等金融機構建立了合作夥伴關係。該平台最近在監管方面的勝利也可能為更多主流接受打開大門。

In 2020, the Securities and Exchange Commission (SEC) sued Ripple's developer, Ripple Labs, alleging that it sold XRP as an unregistered security. However, in 2023, the developers won a partial victory after a federal judge ruled that XRP sales to retail investors were not securities. While the SEC has appealed this ruling, Ripple's team is confident of victory, with Ripple Labs Chief Executive Officer Brad Garlinghouse calling the appeal a "rehash of already failed arguments likely to be abandoned by the next administration."

2020年，美國證券交易委員會（SEC）起訴Ripple的開發商Ripple Labs，指控其將XRP作為未註冊的證券出售。然而，在 2023 年，聯邦法官裁定向散戶投資者銷售的 XRP 不屬於證券後，開發商贏得了部分勝利。儘管美國證券交易委員會已對這一裁決提出上訴，但Ripple 團隊對勝利充滿信心，Ripple Labs 首席執行官布拉德·加林豪斯(Brad Garlinghouse) 稱此次上訴是“對已經失敗的論點的重演，可能會被下一屆政府放棄」。

While this legal back and forth might be offputting to potential investors, over the long term, it may prove healthy for XRP and the cryptocurrency industry as a whole. When these regulatory uncertainties are eventually settled, it could serve as a green light for more institutional investors to get involved in XRP, potentially increasing adoption and promoting price stability.

雖然這種法律上的反覆可能會讓潛在投資者感到反感，但從長遠來看，這對 XRP 和整個加密貨幣行業來說可能是健康的。當這些監管不確定性最終得到解決時，可能會為更多機構投資者參與 XRP 開綠燈，從而有可能提高採用率並促進價格穩定。

Is Ripple still a millionaire-maker cryptocurrency?

瑞波幣仍然是百萬富翁製造者的加密貨幣嗎？

Within the volatile and speculative world of crypto investing, XRP looks like a solid bet because of its potential real-world utility and branding as a more sophisticated alternative to big names like Bitcoin and Ethereum. The near-term legal challenges against Ripple Labs could eventually become a positive by giving institutional investors more clarity about how they should interact with XRP and the industry as a whole.

在加密貨幣投資的波動性和投機性世界中，XRP 看起來是一個可靠的賭注，因為它具有潛在的現實實用性，並且作為比特幣和以太坊等大牌的更複雜的替代品。針對 Ripple Labs 的近期法律挑戰最終可能會成為積極的一面，讓機構投資者更清楚地了解他們應該如何與 XRP 以及整個行業互動。

However, keep in mind that cryptocurrencies are notoriously volatile, and XRP is no exception. XRP prices have risen 26% in the last five days (as of the time of writing). And these types of rapid price fluctuations could undermine the token's ability to serve as a functional bridge currency, which is its main appeal. Although Ripple still looks capable of making more millionaires, potential buyers shouldn't underestimate the downside risk.

然而，請記住，加密貨幣的波動性是出了名的，XRP 也不例外。 XRP 價格在過去五天內上漲了 26%（截至撰寫本文時）。這些類型的快速價格波動可能會削弱代幣作為功能性橋樑貨幣的能力，而這正是其主要吸引力。儘管瑞波幣看起來仍有能力創造更多百萬富翁，但潛在買家不應低估下行風險。