RLUSD：可以改變全球付款未來的穩定幣

這一舉動強調了Ripple在全球金融生態系統中的影響力及其對擴大數字資產在跨境交易中的使用的承諾。

Well-known cryptocurrency leader Ripple has launched its US dollar-pegged stablecoin, RLUSD. The coin, which was announced in December 2024, is a testament to Ripple’s growing footprint in the global financial ecosystem and its commitment to expanding the use of digital assets in cross-border transactions.

著名的加密貨幣領導人Ripple推出了其美元的Stablecoin Rlusd。這枚硬幣於2024年12月宣布，證明了Ripple在全球金融生態系統中的不斷增長及其致力於擴大數字資產在跨境交易中的承諾。

As the cryptocurrency market faces increasing scrutiny and the need for stability becomes paramount, stablecoins have emerged as a crucial element of the evolving financial landscape. Tether (USDT) and USD Coin (USDC) currently take the lead in the stablecoin space, collectively controlling nearly 90% of the market share. However, Ripple is aiming to make a significant impact with its own offering.

隨著加密貨幣市場面臨越來越多的審查，對穩定的需求變得至關重要，Stablecoins已成為不斷發展的金融景觀的關鍵因素。 Tether（USDT）和USD Coin（USDC）目前在Stablecoin領域領先，共同控制了市場份額的近90％。但是，Ripple的目標是通過自己的產品產生重大影響。

Why Is Ripple Launching a Stablecoin Now?

為什麼Ripple現在要發射穩定幣？

The past year has seen a surge in demand for fiat-backed digital assets, particularly those pegged to the US dollar. This demand stems from several key factors. Firstly, the cryptocurrency market has typically been plagued by volatility, which can be a major obstacle for businesses and individuals seeking seamless transactions, especially in a global setting.

在過去的一年中，人們對菲亞票支持的數字資產的需求激增，尤其是那些與美元掛鉤的資產。這種需求源於幾個關鍵因素。首先，加密貨幣市場通常受到波動性的困擾，這可能是尋求無縫交易的企業和個人的主要障礙，尤其是在全球環境中。

In contrast, stablecoins offer the stability of fiat currencies, tying them directly to a traditional currency to ensure they maintain a relatively steady value. This stability is crucial for facilitating international transactions more smoothly and reliably, especially in regions where inflation or political instability make traditional currencies less stable.

相比之下，穩定幣提供了法定貨幣的穩定性，將它們直接與傳統貨幣聯繫起來，以確保它們保持相對穩定的價值。這種穩定對於更加平穩，可靠地促進國際交易至關重要，尤其是在通貨膨脹或政治不穩定的地區，傳統貨幣降低了穩定。

In countries facing hyperinflation, stablecoins offer a reliable alternative that can help protect against devaluation. For example, in countries like Venezuela or Zimbabwe, where inflation rates are astronomical, stablecoins can serve as a better store of value and a practical tool for international trade.

在面臨過度通貨膨脹的國家中，Stablecoins提供了可靠的替代方案，可以幫助防止貶值。例如，在委內瑞拉或津巴布韋等國家，通貨膨脹率是天文學的國家，穩定的穩定率可以作為更好的價值存儲和國際貿易的實用工具。

Ripple’s own entry into the stablecoin market comes at a time when the demand for digital assets that are tied to fiat currencies is higher than ever. However, the competition is fierce. Tether (USDT) and USD Coin (USDC) currently dominate the market, controlling nearly 90% of the stablecoin supply. These well-established stablecoins have built up strong reputations and extensive infrastructure, making it difficult for newcomers to challenge their dominance.

Ripple自己進入Stablecoin市場的到來是在與法定貨幣相關的數字資產的需求比以往任何時候都要高。但是，比賽很激烈。 Tether（USDT）和USD Coin（USDC）目前在市場上占主導地位，控制了近90％的Stablecoin供應。這些良好的穩定者建立了強烈的聲譽和廣泛的基礎設施，使新移民很難挑戰他們的統治地位。

Yet, Ripple’s unique position in the market could work in its favor. As a company that already has partnerships with financial institutions and a reputation for facilitating efficient cross-border payments, Ripple is well-placed to introduce RLUSD to a large, receptive audience. The company has already listed RLUSD on several platforms such as Uphold, Bitso, and MoonPay, and it plans to expand further by listing the coin on larger exchanges like Coinbase and Binance.

但是，Ripple在市場上的獨特地位可能對其有利。作為一家已經與金融機構建立合作夥伴關係並促進高效跨境支付的公司，Ripple可以很好地將RLUSD介紹給大量的接受受眾。該公司已經在諸如usthold，bitso和moonpay等多個平台上列出了RLUSD，併計劃通過在Coinbase和Binance等較大的交易所上列出硬幣來進一步擴展。

The real test for RLUSD will be its ability to gain widespread adoption. While it may face competition from USDT and USDC, Ripple’s strong reputation in the crypto and financial sectors could give RLUSD the edge it needs to carve out its niche. Furthermore, the increasing focus on cross-border payments, remittances, and the use of stablecoins as a hedge against inflation could fuel RLUSD’s growth in the coming years.

RLUSD的真正測試將是其獲得廣泛採用的能力。儘管它可能面臨USDT和USDC的競爭，但Ripple在加密貨幣和金融領域的良好聲譽可能會使Rlusd佔據其利基市場所需的優勢。此外，對跨境支付，匯款和使用穩定的貨幣作為抵抗通貨膨脹的對沖的關注越來越多，可能會在未來幾年推動RLUSD的增長。

What Sets Apart RLUSD?

是什麼設置了Rlusd？

At the beginning of the year, rumors swirled about the possibility of Ripple pivoting towards developing its own stablecoin. This speculation arose following reports of several major crypto institutions cutting ties with Tether's USDT due to regulatory concerns.

在今年年初，謠言旋轉了有關開發自己的Stablecoin旋轉的可能性。由於有監管問題而導致了幾個主要的加密機構與Tether的USDT切斷聯繫的報導，因此出現了這種猜測。

Now, as rumors turn into reality, the launch of RLUSD signifies a natural progression for Ripple to expand its offerings and cater to the evolving needs of the global financial landscape.

現在，隨著謠言變為現實，RLUSD的推出表示波格爾擴大其產品並滿足全球金融環境不斷發展的需求的自然發展。

Highlighting the integration potential of RLUSD, the company claims that the stablecoin will work "seamlessly" alongside XRP, further cementing the interoperability between the two digital assets. This could encourage businesses and financial institutions to adopt both assets as part of their digital currency strategy, making Ripple's ecosystem more attractive to a broader audience.

該公司強調了RLUSD的整合潛力，聲稱該穩定的人將與XRP一起“無縫”，進一步鞏固了兩個數字資產之間的互操作性。這可以鼓勵企業和金融機構採用這兩種資產作為其數字貨幣戰略的一部分，從而使Ripple的生態系統對更廣泛的受眾更具吸引力。

"We view this as a natural extension of Ripple’s leadership in blockchain-based payment solutions. Optimized for stability and global reach, RLUSD expands the possibilities for faster, more reliable cross-border transactions.

“我們認為這是波紋在基於區塊鏈的支付解決方案中領導力的自然擴展。針對穩定性和全球影響力進行了優化，RLUSD擴大了更快，更可靠的跨境交易的可能性。

Together with XRP, RLUSD provides businesses and institutions with greater choice and flexibility to build innovative solutions on the Ripple blockchain. This initiative aligns with our broader strategy to foster an open and inclusive financial system powered by blockchain technology," said Greg Gerven, Chief Strategy Officer at Ripple.

RLUSD與XRP一起，為企業和機構提供了更大的選擇和靈活性，以在波紋區塊鏈上構建創新的解決方案。該計劃與我們更廣泛的戰略相吻合，以促進由區塊鏈技術提供支持的開放和包容性金融體系。 ” Ripple首席戰略官Greg Gerven說。

The launch of RLUSD comes at a time when there is growing interest in stablecoins as a way to facilitate cross-border payments and remittances. Several financial institutions are experimenting with blockchain technology to improve the speed and efficiency of international money transfers.

RLUSD的推出是在對Stablecoins越來越興趣的時候，以促進跨境支付和匯款。幾家金融機構正在嘗試區塊鏈技術，以提高國際匯款的速度和效率。

"As the world becomes increasingly interconnected, the need for efficient and reliable cross-border payment solutions is more urgent than ever. Existing financial systems can be slow, expensive, and opaque, posing significant challenges to businesses operating globally. Stablecoins, in particular, offer a promising avenue for innovation in this domain.

“隨著世界變得越來越互連，對高效和可靠的跨境支付解決方案的需求比以往任何時候都更加緊迫。現有的金融系統可能是緩慢，昂貴且不透明的，對全球運營的企業構成了重大挑戰。特別是，穩定的企業為該領域的創新提供了有希望的途徑。

Several financial institutions are exploring the potential of stablecoins to streamline cross-border transactions and provide new financial products and services. For instance, banks are piloting blockchain-based platforms for international payments, leveraging stablecoins to maintain the stability of fiat

幾家金融機構正在探索Stablecoins的潛力，即簡化跨境交易並提供新的金融產品和服務。例如，銀行正在試用基於區塊鏈的平台進行國際付款，利用Stablecoins維持菲亞特的穩定性