Ripple (XRP) 獲得 NYDFS 批准 RLUSD 穩定幣，目標到 2028 年市值達到 2 兆美元

Ripple Labs 其備受期待的RLUSD 穩定幣已獲得紐約金融服務部(NYDFS) 的監管批准，這對於這家區塊鏈公司來說是一個里程碑，因為它加強了在競爭激烈的穩定幣市場的地位。

Ripple Labs has secured regulatory approval from the New York Department of Financial Services (NYDFS) for its highly anticipated RLUSD stablecoin, marking a milestone for the blockchain company as it strengthens its hold in the competitive stablecoin market.

Ripple Labs 其備受期待的RLUSD 穩定幣已獲得紐約金融服務部(NYDFS) 的監管批准，這對於這家區塊鏈公司來說是一個里程碑，因為它加強了在競爭激烈的穩定幣市場的地位。

Fresh stablecoins are constantly being launched, along with traditional cryptos that are more volatile in nature. When crypto enthusiasts explore the latest coin launches on Coinbase, they’ll be able to spot all new listings, like RLUSD and other stablecoins, as they launch.

不斷推出新的穩定幣以及本質上更不穩定的傳統加密貨幣。當加密貨幣愛好者探索 Coinbase 上最新發布的代幣時，他們將能夠在發佈時發現所有新上市的代幣，例如 RLUSD 和其他穩定幣。

The news was announced by Ripple’s CEO, Brad Garlinghouse, on December 10, following months of scrutiny by the NYDFS.

經過 NYDFS 幾個月的審查後，Ripple 執行長 Brad Garlinghouse 於 12 月 10 日宣布了這一消息。

Ripple is now preparing to roll out RLUSD on major cryptocurrency exchanges, with partnerships and infrastructure already in place to aid with the launch.

Ripple 目前正準備在主要加密貨幣交易所推出 RLUSD，合作夥伴關係和基礎設施已經到位，以協助推出。

RLUSD, pegged 1:1 to the US dollar, is designed to compete with established stablecoins like Tether (USDT) and Circle’s USD Coin (USDC). Backed by USD deposits, short-term US Treasury bonds, and other cash-equivalent reserves, RLUSD wants to provide a secure, scalable, and efficient solution for international payments.

RLUSD 與美元 1:1 掛鉤，旨在與 Tether (USDT) 和 Circle 的美元硬幣 (USDC) 等成熟穩定幣競爭。在美元存款、短期美國國債和其他現金等價儲備的支持下，RLUSD 希望為國際支付提供安全、可擴展且高效的解決方案。

Ripple executives have high expectations for the stablecoin, predicting a market capitalization of $2 trillion by 2028.

Ripple 高層對這種穩定幣抱有很高的期望，預計到 2028 年市值將達到 2 兆美元。

The road to NYDFS approval began when the stablecoin was initially announced in April 2024. Ripple’s vision was to position RLUSD as a transformative coin in traditional finance and decentralized finance systems.

NYDFS 的批准之路始於 2024 年 4 月首次宣布穩定幣。

Testing for RLUSD began in August on the XRP Ledger and Ethereum mainnets.

RLUSD 測試於 8 月開始在 XRP Ledger 和乙太坊主網上進行。

By October, Ripple announced partnerships with several prominent exchanges, including Uphold, Bitso, MoonPay, Bitstamp, CoinMENA, Independent Reserve, and Bullish. These collaborations will ensure RLUSD’s smooth integration and liquidity support from market makers like Keyrock and B2C2.

到 10 月，Ripple 宣布與多家知名交易所建立合作夥伴關係，包括 Uphold、Bitso、MoonPay、Bitstamp、CoinMENA、Independent Reserve 和 Bullish。這些合作將確保 RLUSD 的順利整合以及來自 Keyrock 和 B2C2 等做市商的流動性支持。

Ripple is committed to adhering to industry standards, which is evident in their fight for NYDFS approval, especially in a market where compliance is a critical differentiator from competitors.

Ripple 致力於遵守行業標準，這一點在他們爭取 NYDFS 批准的鬥爭中顯而易見，特別是在合規性是與競爭對手的關鍵區別的市場中。

This regulatory greenlight also improves Ripple’s reputation as a trusted blockchain company, which will pave the way for US financial institutions to integrate RLUSD into their operations.

這項監管綠燈也提高了 Ripple 作為值得信賴的區塊鏈公司的聲譽，這將為美國金融機構將 RLUSD 整合到其營運中鋪平道路。

Garlinghouse emphasized this point, stating that the stablecoin’s approval is not only a win for Ripple but also an opportunity to offer secure and scalable cross-border payment solutions to institutional clients.

Garlinghouse強調了這一點，表示穩定幣的批准不僅是Ripple的勝利，也是為機構客戶提供安全、可擴展的跨境支付解決方案的機會。

Ripple’s stablecoin is going to address several challenges in the global payment landscape. By using blockchain technology, RLUSD promises faster transaction speeds and reduced costs compared to traditional payment networks.

Ripple 的穩定幣將解決全球支付領域的多項挑戰。透過使用區塊鏈技術，與傳統支付網路相比，RLUSD 承諾更快的交易速度並降低成本。

This stablecoin is expected to play an important role in tokenizing real-world assets, a growing trend in traditional and decentralized finance.

這種穩定幣預計將在現實世界資產代幣化方面發揮重要作用，這是傳統和去中心化金融的成長趨勢。

The stablecoin market is currently valued at approximately $200 billion, with Tether and USD Coin dominating the sector. However, Ripple is optimistic about RLUSD’s potential to get a significant share of the market, especially among institutional players.

目前穩定幣市場估值約為 2000 億美元，其中 Tether 和 USD Coin 佔據主導地位。然而，Ripple 對 RLUSD 獲得重要市場份額的潛力持樂觀態度，尤其是在機構參與者中。

The company’s focus on regulatory compliance and strategic partnerships early on sets RLUSD apart from top competitors, and it might just reach its projected market cap of $.28 trillion.

該公司早期對監管合規性和戰略合作夥伴關係的關注使 RLUSD 從頂級競爭對手中脫穎而出，並且它可能剛剛達到 0.28 兆美元的預期市值。

Ripple is preparing for RLUSD’s launch but the company is also engaged in other high-profile activities. Garlinghouse recently appeared on a 60 Minutes segment to discuss the role of cryptocurrencies in shaping the 2024 US Elections.

Ripple 正在為 RLUSD 的推出做準備，但該公司也從事其他備受矚目的活動。 Garlinghouse 最近出現在 60 分鐘節目中，討論加密貨幣在影響 2024 年美國大選中的作用。

Ripple is also continuing its battle with the US Securities and Exchange Commission (SEC) over the classification of XRP tokens. Despite these challenges, the company’s progress with RLUSD shows how determined it is to expand in the cryptocurrency space.

Ripple 也繼續與美國證券交易委員會 (SEC) 就 XRP 代幣的分類展開鬥爭。儘管面臨這些挑戰，該公司在 RLUSD 方面取得的進展表明了其在加密貨幣領域擴張的決心。

The stablecoin is going to be introduced on the major blockchain networks Ethereum and XRP Ledger. However, there are also hints that RLUSD may expand to the Tron blockchain, a possibility suggested by Justin Sun, Founder of Tron.

該穩定幣將在主要區塊鏈網路以太坊和 XRP Ledger 上推出。然而，也有跡象表明 RLUSD 可能會擴展到 Tron 區塊鏈，這是 Tron 創始人孫宇晨提出的可能性。

This strategy that spans several networks is going to increase RLUSD’s accessibility, and therefore its adoption, which will increase its potential as a versatile financial tool.

這種跨越多個網路的策略將提高 RLUSD 的可近性，從而提高其採用率，這將增加其作為多功能金融工具的潛力。

Thanks to Ripple’s partnerships, RLUSD will be available globally thorough several platforms and exchanges once it launches. This international availability matches Ripple’s goal to create borderless digital assets that facilitate transitions between fiat and cryptocurrencies.

由於 Ripple 的合作夥伴關係，RLUSD 推出後將透過多個平台和交易所在全球範圍內提供。這種國際可用性符合 Ripple 的目標，即創建無邊界數位資產，促進法定貨幣和加密貨幣之間的轉換。

RLUSD’s liquidity will likely be bolstered by market makers who are expected to drive adoption through competitive pricing and trading volumes.

RLUSD 的流動性可能會得到做市商的支持，預計他們將透過有競爭力的定價和交易量來推動採用。

The stablecoin ecosystem has become very competitive, with new entrants like Ethena’s USDe and PayPal’s PYUSD introducing innovative features to gain market share. For example, Ethena has attracted attention with a 27% annual percentage yield on its stablecoin.

穩定幣生態系統的競爭已經變得非常激烈，Ethena 的 USDe 和 PayPal 的 PYUSD 等新進入者引入了創新功能來獲得市場份額。例如，Ethena 以其穩定幣 27% 的年收益率而引起關注。

Ripple’s RLUSD will have to differentiate itself from this market through institutional focus, regulatory compliance, and industry backing.

Ripple 的 RLUSD 必須透過機構關注、監管合規性和行業支持來從這個市場中脫穎而出。

Ripple has already minted more than 13 million units of RLUSD following NYDFS approval,

在 NYDFS 批准後，Ripple 已經鑄造了超過 1300 萬單位的 RLUSD，