什麼是XRP？ Ripple的本地加密貨幣指南

Ripple是一個全球網絡，旨在促進各種企業，個人甚至金融機構的低成本，超快，無邊界交易。

"What Is Ripple (XRP) Cryptocurrency and How Does It Work? - Web3 News"

“什麼是Ripple（XRP）加密貨幣，它如何工作？ - Web3新聞”

Cryptoassets are a highly volatile ungregulated investment class.

加密集團是一個高度波動的不受管制的投資類別。

Ripple is a global network that’s aiming to facilitate low-cost, ultra-fast, borderless transactions for a range of businesses, individuals, and even financial institutions. The ecosystem is built around the network’s native asset, which is called XRP and acts as a crucial bridge currency for the transfers of value from fiat currencies or other crypto networks.

Ripple是一個全球網絡，旨在促進各種企業，個人甚至金融機構的低成本，超快，無邊界交易。生態系統圍繞網絡的本機資產構建，該資產稱為XRP，是從法定貨幣或其他加密網絡轉移價值的至關重要的橋樑貨幣。

Originally called 'Ripple Labs Inc.,' the company leverages a unique consensus mechanism in its blockchain to validate transactions with blinding speed. This negates the need for centralized intermediaries, drastically cuts transaction fees, and makes settlement in real-time possible. In short, Ripple hopes to revolutionize how money moves through financial networks. Let’s get into the details.

該公司最初稱為“ Ripple Labs Inc.”，該公司利用其區塊鏈中的獨特共識機制以盲目的速度驗證交易。這否定了對集中式中介機構的需求，大幅度削減了交易費用，並實時解決。簡而言之，Ripple希望徹底改變金錢如何通過金融網絡移動。讓我們了解細節。

What Is Ripple?

什麼是波紋？

Good question. Technically speaking, the company is called Ripple Labs, the network is named RippleNet and the cryptocurrency is simply called XRP.

好問題。從技術上講，該公司稱為Ripple Labs，該網絡被命名為Ripplenet，而加密貨幣則被稱為XRP。

Founded in San Francisco in 2011 by Jeb McCaleb, the company's goal was to create an alternative to the slow and often costly wire transfers used for international transactions.

該公司的目標是由傑布·麥卡萊布（Jeb McCaleb）於2011年在舊金山成立，是為國際交易所使用的緩慢且經常昂貴的電匯而創建一種替代方案。

At the time, these services could take several days to complete and were subject to large fees and complicated processes. But with the dawn of blockchain technology, McCaleb saw an opportunity to revolutionize cross-border payments with a nearly instant, low-cost and highly efficient service.

當時，這些服務可能需要幾天的時間才能完成，並需要大量費用和復雜的流程。但是，隨著區塊鏈技術的曙光，麥卡萊布看到了一個機會，以幾乎即時，低成本和高效的服務來徹底改變跨境支付。

The network is able to connect traditional finance network infrastructures with newer blockchain technology, which is specifically programmed for real-time transaction settlement and liquidity management.

該網絡能夠將傳統的金融網絡基礎架構與較新的區塊鏈技術聯繫起來，該技術專門用於實時交易結算和流動性管理。

Instead of depending on a ‘proof-of-work’ model, like Bitcoin (BTC), or a ‘proof-of-stake’ model, like Ethereum (ETH), Ripple uses a unique consensus protocol that leverages independent validators for transaction confirmation. This specific consensus mechanism allows for a high transaction throughput rate and substantially lower fees than many other networks, which offers huge benefits for firms like banks and remittance service providers.

Ripple不依賴於比特幣（BTC）或諸如以太坊（ETH）之類的“ BTC（BTC）”模型的“工作證明”模型，而是使用獨特的共識協議，該協議利用獨立驗證器進行交易確認。這種特定的共識機制允許與許多其他網絡相比，該機制具有很高的交易吞吐率和大幅低的費用，這為銀行和匯款服務提供商等公司提供了巨大好處。

What Is XRP?

什麼是XRP？

XRP is the native token of the Ripple network and is designed to serve mainly as a bridge asset. It wasn't mined like Bitcoin or Ethereum; rather, all one hundred billion tokens were created from the outset.

XRP是Ripple網絡的本地令牌，旨在主要用作橋樑資產。它不是像比特幣或以太坊那樣開采的；相反，從一開始就創建了所有十億代幣。

Using XRP on the Ripple network, institutions can transfer different currencies, convert them into XRP and settle those funds in another currency, all within seconds. On top of that, XRP’s specialized verification process uses independent validations, giving it far more agility than other cryptocurrencies.

機構在波紋網絡上使用XRP可以轉讓不同的貨幣，將其轉換為XRP，並以另一種貨幣解決這些資金，均在幾秒鐘內。最重要的是，XRP的專門驗證過程使用獨立的驗證，使其比其他加密貨幣更具敏捷性。

How Does Ripple Work?

漣漪如何工作？

Operating as a payment protocol, Ripple enables rapid, low-cost transactions across its network. This design eliminates the need for energy-intensive block creation and allows for high throughput with minimal fees.

Ripple作為付款協議運行，可以在其網絡上進行快速，低成本的交易。這種設計消除了對能源密集型塊的創造的需求，並允許以最少的費用獲得高通量。

Furthermore, it facilitates the seamless exchange of various fiat currencies and cryptocurrencies. With the elimination of various intermediaries, Ripple significantly reduces friction and value loss in the cross-border payments industry. The Ripple network supports multiple fiat currencies, cryptocurrencies and tokens while keeping a very user-friendly experience overall.

此外，它促進了各種法定貨幣和加密貨幣的無縫交換。隨著各種中介機構的消除，波紋大大減少了跨境支付行業的摩擦和價值損失。 Ripple網絡支持多種法定貨幣，加密貨幣和令牌，同時保持非常友好的體驗。

Advantages and Disadvantages of the XRP Cryptocurrency

XRP加密貨幣的優點和缺點

Advantages of Ripple

波紋的優勢

Disadvantages of Ripple

波紋的缺點

The SEC vs Ripple

SEC VS波紋

One of the biggest perceived risks with XRP has been the ongoing conflict between Ripple and the US Securities and Exchange Commission.

XRP最大的風險之一是Ripple與美國證券交易委員會之間的持續衝突。

In 2020, the SEC filed a lawsuit alleging that Ripple Labs had violated investor protection laws by selling XRP to investors. However, Ripple Labs has consistently claimed that they never sold any unregistered securities and that the SEC is overstepping its authority.

2020年，美國證券交易委員會（SEC）提起訴訟，指控波紋實驗室通過向投資者出售XRP違反了投資者保護法。但是，Ripple Labs一直聲稱他們從未出售過任何未註冊的證券，而SEC則超越了其權力。

Specifically, the SEC claims that Ripple Labs sold large amounts of XRP through a series of private placements, which should have been registered with the agency. The SEC also alleges that Ripple Labs engaged in a “series of fundraising efforts” that were not disclosed to investors.

具體而言，SEC聲稱Ripple Labs通過一系列私人位置出售了大量的XRP，這些私人安置應該已在該機構註冊。美國證券交易委員會還聲稱，Ripple Labs進行了“一系列籌款工作”，這些籌款活動未向投資者披露。

However, Ripple Labs maintains that XRP functions solely as a digital asset for international value transfers, not any security that the SEC regulates. Its purpose is to be used for efficient, low-cost transactions on the Ripple network, and it is sold to investors in a manner consistent with applicable securities laws.

但是，Ripple Labs堅持認為，XRP僅充當國際價值轉移的數字資產，而不是SEC規定的任何安全性。它的目的是用於波紋網絡上的高效，低成本交易，並以符合適用證券法的方式出售給投資者。

Breaking news at the time of writing, March 19th, 2025: the SEC has announced that it’s dropping its suit against Ripple.

在2025年3月19日寫作時，新聞新聞：SEC宣布將其訴訟對Ripple。

What Makes XRP Unique?

是什麼使XRP與眾不同？

In the diverse landscape of cryptocurrencies, XRP stands out with its distinct purpose and unique properties.

在加密貨幣的各種景觀中，XRP以其獨特的目的和獨特的特性而脫穎而出。

Instead of serving as an alternative store of value like Bitcoin or a platform for smart contracts like Ethereum, XRP is designed to be a fast, efficient and low-cost means of transferring value across borders.

XRP並沒有用作比特幣或以太坊等智能合約的平台的替代商店，而是設計為一種快速，高效且低成本的方式，可以在邊界跨境轉移價值。

This focus on facilitating seamless cross-border payments is at the heart of what makes XRP unique and valuable.

這種關注促進無縫跨境支付的重點是使XRP獨特而有價值的核心。

Another interesting aspect of XRP is its unique consensus type, which is distinct from the Proof-of-Work used by Bitcoin or the Proof-of-Stake used by Ethereum.

XRP的另一個有趣的方面是其獨特的共識類型，這與比特幣或以太坊使用的驗證證明的工作證明不同。

The XRP Ledger uses a unique variant of Byzantine Fault Tolerance (BFT) called Stellar Consensus Protocol (SCP

XRP Ledger使用拜占庭容錯的獨特變體（BFT），稱為恆星共識協議（SCP）