投資組合多元化的十大替代加密貨幣選擇

加密貨幣愛好者現在有超過 5,000 種山寨幣可供選擇，提供比特幣以外的各種功能。本文探討了市值最高的十大山寨幣，包括以太幣（ETH）、泰達幣（USDT）、美元幣（USDC）、瑞波幣（XRP）和卡爾達諾（ADA）。對每種山寨幣進行了簡要描述，重點介紹了其主要特徵和價值主張。本文也討論了 XRP 最近取得的法律勝利以及狗狗幣作為新加密貨幣投資者切入點的吸引力。

Alternative Cryptocurrency Investments: A Comprehensive Guide to the Top 10 Altcoins

另類加密貨幣投資：十大山寨幣綜合指南

Since its inception in 2008, Bitcoin has sparked a surge in the development and proliferation of alternative cryptocurrencies, known as altcoins. These altcoins offer a vast array of functionalities, providing investors with opportunities to diversify their cryptocurrency portfolios beyond Bitcoin.

自 2008 年誕生以來，比特幣引發了替代加密貨幣（即山寨幣）的開發和擴散激增。這些山寨幣提供了廣泛的功能，為投資者提供了在比特幣之外實現加密貨幣投資組合多元化的機會。

Ethereum (ETH)

以太坊（ETH）

Ethereum is the native cryptocurrency of the Ethereum blockchain, a global software platform that supports a wide range of decentralized applications, including smart contracts, games, and financial transactions. Ethereum also facilitates the minting and storage of non-fungible tokens (NFTs). Launched in 2015, Ethereum has amassed a substantial market capitalization of over £316 billion as of April 2024. Each Ether (ETH) token is valued at approximately £2,630, significantly below its all-time high of £4,022.12 in November 2021.

以太坊是以太坊區塊鏈的原生加密貨幣，以太坊區塊鏈是一個全球軟體平台，支援廣泛的去中心化應用程序，包括智慧合約、遊戲和金融交易。以太坊也促進了不可替代代幣（NFT）的鑄造和儲存。以太坊於2015 年推出，截至2024 年4 月，其市值已超過3,160 億英鎊。每個以太幣(ETH) 代幣的價值約為2,630 英鎊，遠低於2021 年11 月創下的歷史高點4,022.12英鎊。

Tether (USDT)

泰達幣（USDT）

Introduced in 2017, Tether is a stablecoin pegged to the value of the US dollar. Stablecoins are cryptocurrencies designed to maintain a stable value by being backed by fiat currencies or other assets. For each Tether coin issued, its creators hold $1 in reserve, ensuring its value remains close to $1 at all times. This stability makes Tether a popular choice for transferring value between exchanges, as its value is less volatile compared to other cryptocurrencies. However, stablecoins are not immune to fluctuations, as evidenced by the collapse of Terra USD in May 2022, which raised concerns about the stability of Tether and other stablecoins.

Tether 於 2017 年推出，是一種與美元價值掛鉤的穩定幣。穩定幣是一種加密貨幣，旨在透過法定貨幣或其他資產的支持來維持穩定的價值。每發行一枚 Tether 代幣，其創建者都會持有 1 美元的儲備金，確保其價值始終保持在接近 1 美元的水平。這種穩定性使 Tether 成為交易所之間轉移價值的熱門選擇，因為與其他加密貨幣相比，其價值波動較小。然而，穩定幣也不能免受波動的影響，2022 年 5 月 Terra USD 的崩盤就證明了這一點，這引發了人們對 Tether 和其他穩定幣穩定性的擔憂。

Binance Coin (BNB)

幣安幣 (BNB)

Binance Coin (BNB) was launched in 2017 and operates on the Ethereum blockchain. During its initial coin offering (ICO), Binance issued 200 million BNB coins. The platform periodically buys back and burns a portion of these coins, reducing the supply and increasing the value of those remaining in circulation. As of April 2024, BNB is valued at £461, with a market capitalization of approximately £69 billion.

幣安幣 (BNB) 於 2017 年推出，在以太坊區塊鏈上運行。在首次代幣發行 (ICO) 期間，幣安發行了 2 億枚 BNB 代幣。該平台定期回購並銷毀部分代幣，從而減少供應並增加剩餘流通代幣的價值。截至 2024 年 4 月，BNB 估值為 461 英鎊，市值約為 690 億英鎊。

Solana (SOL)

索拉納 (太陽)

Similar to Ethereum, the Solana blockchain platform was established with the primary objective of hosting decentralized applications. Both the platform and its native cryptocurrency, SOL, were introduced in 2020. A key advantage of Solana lies in its low transaction fees, significantly lower than those of its competitors. The platform boasts an impressive processing speed, capable of handling up to 65,000 transactions per second, facilitated by a novel "proof-of-history" verification process. This method attaches a timestamp to each block, creating an immutable record of transaction order. As of April 2024, Solana is valued at approximately £147, with a market capitalization of £65 billion.

與以太坊類似，Solana 區塊鏈平台的主要目標是託管去中心化應用程式。該平台及其原生加密貨幣 SOL 均於 2020 年推出。Solana 的一個主要優勢在於交易費用低廉，明顯低於競爭對手。該平台擁有令人印象深刻的處理速度，每秒能夠處理多達 65,000 筆交易，這得益於新穎的「歷史證明」驗證流程。此方法為每個區塊附加一個時間戳，建立交易順序的不可變記錄。截至 2024 年 4 月，Solana 估值約為 147 英鎊，市值為 650 億英鎊。

USD Coin (USDC)

美元硬幣 (USDC)

USD Coin (USDC) is another stablecoin tied to the value of the US dollar. For every USDC in circulation, $1 is held in reserve. Upon exchange with fiat currency, USDC coins are destroyed, ensuring the parity between the number of coins in circulation and the amount of US dollars held in reserve. Launched in 2018, USDC remains pegged at $1, with a market capitalization of £26.1 billion.

美元硬幣（USDC）是另一種與美元價值掛鉤的穩定幣。每流通一個 USDC，就有 1 美元作為儲備。在與法定貨幣兌換後，USDC 硬幣將被銷毀，確保流通中的硬幣數量與儲備美元數量之間的平價。 USDC 於 2018 年推出，目前仍與 1 美元掛鉤，市值為 261 億英鎊。

XRP (XRP)

瑞波幣 (XRP)

XRP is primarily known for its use on the Ripple global money transfer network. Launched in 2012, XRP transactions are not validated through the proof-of-work or proof-of-stake mechanisms common in other cryptocurrencies. Instead, transfers are processed by network participants known as validators. Transactions made through Ripple incur a minimal fee, a fraction of an XRP token, which is subsequently destroyed. In July 2023, XRP gained significant value following a court ruling that classified it as a non-security, dismissing allegations made by the Securities and Exchange Commission (SEC). As of April 2024, XRP has a market capitalization of £25 billion, with each coin valued at approximately £0.46.

XRP 主要因其在 Ripple 全球匯款網路上的使用而聞名。 XRP 交易於 2012 年推出，並未透過其他加密貨幣中常見的工作量證明或權益證明機制進行驗證。相反，傳輸由稱為驗證器的網路參與者進行處理。透過 Ripple 進行的交易需要支付最低費用，即 XRP 代幣的一小部分，隨後將被銷毀。 2023 年 7 月，法院裁決將 XRP 歸類為非證券，駁回了美國證券交易委員會 (SEC) 的指控，隨後 XRP 獲得了巨大的價值。截至 2024 年 4 月，XRP 的市值為 250 億英鎊，每枚幣的價值約為 0.46 英鎊。

Dogecoin (DOGE)

狗狗幣 (DOGE)

What began as a playful meme currency has evolved into a formidable crypto asset. Dogecoin was conceived in late 2013, employing blockchain technology derived from Litecoin and featuring an iconic Shiba Inu dog logo. Its lighthearted origins and unlimited supply have made it an accessible entry point into the cryptocurrency market for novice investors. Dogecoin experienced a meteoric rise in 2022, reaching an all-time high of £0.58, driven partly by Elon Musk's public endorsements. However, its value has since declined, trading at approximately £0.14 in April 2024, with a market capitalization of around £20.5 billion.

最初是一種有趣的模因貨幣，現已發展成為一種強大的加密資產。狗狗幣於 2013 年底構思，採用源自萊特幣的區塊鏈技術，並具有標誌性的柴犬標誌​​。它輕鬆的起源和無限的供應使其成為新手投資者進入加密貨幣市場的切入點。狗狗幣在 2022 年經歷了快速上漲，達到了 0.58 英鎊的歷史新高，部分原因是馬斯克的公開支持。然而，此後其價值有所下降，2024 年 4 月交易價格約為 0.14 英鎊，市值約為 205 億英鎊。

Cardano (ADA)

卡爾達諾（ADA）

Cardano, created in 2017 by Ethereum co-founder Charles Hoskinson, is the native cryptocurrency of the Cardano blockchain platform. Unlike Bitcoin, Cardano utilizes the proof-of-stake mechanism to validate and process transactions. This approach consumes significantly less energy compared to proof-of-work systems, where every device in the network competes to verify each block of transactions. In April 2024, Cardano is valued at £0.46, with a market capitalization of £16.3 billion.

Cardano 由以太坊聯合創始人 Charles Hoskinson 於 2017 年創建，是 Cardano 區塊鏈平台的原生加密貨幣。與比特幣不同，卡爾達諾利用權益證明機制來驗證和處理交易。與工作量證明系統相比，這種方法消耗的能源要少得多，在工作量證明系統中，網路中的每個設備都競相驗證每個交易區塊。 2024年4月，卡爾達諾估值為0.46英鎊，市值為163億英鎊。

Avalanche (AVAX)

雪崩 (AVAX)

Avalanche (AVAX) is a relatively recent entrant to the cryptocurrency landscape, having emerged in 2020. Despite its short history, it has rapidly gained popularity as an alternative to Ethereum for developers. Avalanche has become one of the leading cryptocurrencies, boasting a market capitalization of approximately £14 billion. AVAX is currently trading at £37.25.

Avalanche (AVAX) 是加密貨幣領域相對較新的進入者，於 2020 年出現。儘管歷史較短，但它作為以太坊的替代品已迅速受到開發者的歡迎。 Avalanche 已成為領先的加密貨幣之一，市值約為 140 億英鎊。 AVAX 目前的優惠價格為 37.25 英鎊。

Toncoin (TON)

東幣 (TON)

Introduced in June 2020, Toncoin is the native cryptocurrency of The Open Network (TON), the blockchain it operates on. TON was developed by Telegram Messenger, enabling users to send and receive payments through the Telegram app. Like other newer cryptocurrencies, transactions on the TON blockchain are validated using a proof-of-stake mechanism, requiring less energy consumption than proof-of-work systems. As of April 2024, each Toncoin is valued at £3.99, with a market capitalization of approximately £13.9 billion.

Toncoin 於 2020 年 6 月推出，是其運行的區塊鏈開放網路 (TON) 的原生加密貨幣。 TON 由 Telegram Messenger 開發，使用戶能夠透過 Telegram 應用程式發送和接收付款。與其他較新的加密貨幣一樣，TON 區塊鏈上的交易使用權益證明機制進行驗證，比工作量證明系統所需的能源消耗更少。截至 2024 年 4 月，每個 Toncoin 的價值為 3.99 英鎊，市值約為 139 億英鎊。

Considerations for Altcoin Diversification

山寨幣多元化的考慮因素

When diversifying one's cryptocurrency portfolio beyond Bitcoin, several key factors should be considered:

當加密貨幣投資組合多元化到比特幣之外時，應考慮幾個關鍵因素：

• Market Capitalization: Market capitalization provides an indication of the overall value and stability of a cryptocurrency, as it reflects the total market value of all coins in circulation. Larger market capitalization typically indicates a more established and widely accepted cryptocurrency.
• Functionality: Altcoins offer a wide range of functionalities beyond being merely a store of value. Consider the specific use cases and value propositions of different altcoins, such as their role in decentralized applications, payment networks, or smart contract platforms.
• Volatility: Cryptocurrency prices are inherently volatile, and altcoins can be particularly susceptible to market fluctuations. Research the historical volatility of altcoins and consider their risk profile in relation to your investment goals and tolerance for risk.
• Liquidity: Liquidity refers to the ease with which an asset can be converted into cash or other assets. Altcoins with high liquidity offer greater flexibility and ease of trading, while less liquid altcoins may be more difficult to sell or exchange.
• Long-Term Prospects: Evaluate the long-term growth potential and sustainability of an altcoin. Consider its development roadmap, team, partnerships, and broader adoption within the cryptocurrency ecosystem.

Disclaimer

市值：市值反映了加密貨幣的整體價值和穩定性，因為它反映了所有流通貨幣的總市值。較大的市值通常表明一種更成熟且被廣泛接受的加密貨幣。功能：山寨幣提供了廣泛的功能，而不僅僅是一種價值存儲。考慮不同山寨幣的具體用例和價值主張，例如它們在去中心化應用程式、支付網路或智慧合約平台中的作用。波動性：加密貨幣價格本質上是不穩定的，山寨幣特別容易受到市場波動的影響。研究山寨幣的歷史波動性，並考慮其與您的投資目標和風險承受能力相關的風險狀況。流動性：流動性是指資產轉換為現金或其他資產的難易程度。具有高流動性的山寨幣提供更大的靈活性和交易便利性，而流動性較低的山寨幣可能更難以出售或交換。長期前景：評估山寨幣的長期成長潛力和永續性。考慮其開發路線圖、團隊、合作夥伴關係以及在加密貨幣生態系統中更廣泛的採用。免責聲明

The information provided in this article is for educational purposes only and should not be construed as financial advice. Cryptocurrency investments carry inherent risk, and individuals should always conduct thorough research and consult with qualified financial professionals before making any investment decisions.

本文提供的資訊僅用於教育目的，不應被視為財務建議。加密貨幣投資具有固有的風險，個人在做出任何投資決定之前應始終進行徹底的研究並諮詢合格的金融專業人士。