XRP的目標市場（XRP 4.48％）是金融業

XRP的目標市場（XRP 4.48％）是金融業。鑑於連鎖店的重點是提供幾乎免費的交易，這是有道理的

The target market for XRP (XRP 4.48%) is the financial industry. That makes sense, given that the chain's focus is on providing nearly free transactions which close roughly as fast as swiping a credit card. But banks and other financial institutions aren't the only organizations that stand to benefit from those capabilities.

XRP的目標市場（XRP 4.48％）是金融業。鑑於連鎖店的重點是提供幾乎免費的交易，這與刷信用卡一樣快，這是有道理的。但是，銀行和其他金融機構並不是唯一可以從這些能力中受益的組織。

In fact, there's another category of potential users of XRP that could demand so much of the coin that its price rises for years on end, potentially surpassing $3, assuming they actually hear about it and decide to use it. So does this possibility make the coin a buy, or is the opportunity too uncertain to confidently invest on?

實際上，XRP的另一種潛在用戶可能需要大部分硬幣，以至於其價格連續數年上漲，可能超過3美元，假設他們實際上聽到了它並決定使用它。那麼，這種可能性是否會使硬幣成為買入，還是有機不確定無法自信地進行投資？

>People tend to migrate toward sources of economic opportunity. Often, this leads people to cross international borders. Then, once those people have an income, they very often send some of their money to family in their home country in a transfer called a remittance.

>人們傾向於向經濟機會的來源遷移。通常，這會導致人們跨越國際邊界。然後，一旦這些人有收入，他們經常以稱為匯款的轉會將自己的一些錢寄給家鄉的家人。

In 2023, per the U.S. Federal Reserve, about $818 billion worth of remittances were sent. That sum is expected to grow consistently in the coming years, and it may increase by as much as 2.8% in 2025. Only about half of remittance transfers are thought to be recorded in formal channels, so the true growth rate may be even higher, as well as the true total sum of the transfers.

2023年，根據美國美聯儲，匯款約為8180億美元。預計這一款項將在未來幾年內持續增長，並且在2025年可能會增加2.8％。只有大約一半的匯款轉移被認為是在正式渠道中記錄的，因此真正的增長率可能更高，以及轉移者的真實總和。

People sending remittances encounter some troublesome issues with regularity. Between transfer costs and currency exchange fees, international money transfers can in some cases incur fees as much as 20% of the amount being sent. Furthermore, such transfers can take as long as five business days to close, which is a long time for hard-earned cash to be out of pocket from the standpoint of both migrants and their family members awaiting their money.

發送匯款的人們遇到一些有規律的問題。在轉移成本和貨幣兌換費用之間，國際貨幣轉移在某些情況下可能會產生多達寄出金額的20％。此外，這些轉移可能需要五個工作日才能結束，這是從移民和他們的家人等待他們的錢的角度來看，辛辛苦苦賺來的現金是長時間的。

For reference, as of 2024, remittances transferred out from the U.S. using any fintech service totaled nearly $30 billion. Therefore, there is an opportunity for XRP to capture some of this colossal transfer volume, both from the U.S. to elsewhere, and also between people and their families in other countries. Given that the coin's 24-hour trading volume was less than $6 billion as of the morning of March 13, capturing even a sliver of the daily remittance volume would represent a gargantuan increase in demand for the coin or perhaps for a stablecoin hosted on its chain.

作為參考，截至2024年，使用任何金融科技服務總計300億美元從美國轉移了匯款。因此，XRP有機會捕獲從美國到其他地方以及其他國家的人與家人之間的一些巨大轉移量。鑑於截至3月13日上午，硬幣的24小時交易量不到60億美元，即使捕獲每日匯款量的一部分，也代表了對硬幣的需求或對鏈條上的穩定幣的需求增加。

But does this possibility make XRP worth buying on its own?

但是，這種可能性是否使XRP值得自己購買？

Despite XRP being very suitable for processing remittances, marketing efforts for that purpose are only just getting started. Ripple (NYSE:RVLX), the company that issues XRP, is forging connections with financial institutions in the Philippines, Mexico, and India, which are all major remittance-recipient countries. But there isn't any data on how much volume those partnerships actually generate for the chain.

儘管XRP非常適合處理匯款，但為此目的的營銷工作才剛剛開始。發行XRP的公司Ripple（NYSE：RVLX）正在與菲律賓，墨西哥和印度的金融機構建立聯繫，這些機構都是主要的匯款領域國家。但是，沒有關於這些夥伴關係實際生成的鏈條的數量的數據。

Therefore, it is highly probable that the rate of people being onboarded into using it for remittances is still on the low side compared to what is possible. So it wouldn't make sense to buy the coin just to try and capture upside from growth in the volume of global remissions, at least not yet. Nor would it make much sense to invest on the basis of XRP onboarding people who want to make remissions today.

因此，與可能的可能性相比，很有可能被登機使用它來匯款的速度仍然處於低調。因此，購買硬幣只是為了嘗試從全球恢復量的增長中捕獲上升空間，至少還沒有。在XRP上投入投資的人投資也不是很有意義的。

Nonetheless, this is a trend that's worth paying close attention to. If the pace of adoption picks up, as backed by financial information released by Ripple or the launch of major new initiatives, it could well be a driver of higher prices for the coin, and it could make surpassing the $3 mark likely (it recently traded for about $2.35). For now, just keep an eye out for any news on this topic from Ripple; if there's a chance of a big win for the chain over time, you'll hear about it.

儘管如此，這是值得關注的趨勢。如果收養的步伐得到了加快的速度，那麼在Ripple發布的財務信息或發起重大新計劃的支持下，它很可能是硬幣價格較高的驅動力，並且它可能會超過3美元的可能性（最近交易的價格約為2.35美元）。就目前而言，請注意Ripple的任何有關此主題的新聞；如果隨著時間的流逝，連鎖店有很大的勝利，您會聽到它。