XRP（波紋）可以使您成為百萬富翁嗎？

XRP的長期投資者（XRP -2.24％），有時在開發該公司的公司之後被稱為Ripple，它忍受了胃的波動。

Long-term investors in XRP (XRP -2.24%), sometimes called Ripple after the company that developed it, have had to endure some stomach-churning volatility.

XRP的長期投資者（XRP -2.24％），有時在開發該公司的公司之後被稱為Ripple，不得不忍受一些胃的波動。

Cryptocurrency prices are prone to large swings to begin with, and a lawsuit between XRP's developer and federal regulators has clouded the token's prospects since late 2020. But those who have held on to it have done well: XRP's price has risen roughly 15,000% during its lifetime, including more than 300% since the election. The Trump administration has taken a more supportive stance toward cryptocurrencies, which has bolstered sentiment for XRP and other tokens.

從一開始，加密貨幣的價格就很容易發生，XRP的開發商和聯邦監管機構之間的訴訟已蒙上了代幣的前景。但是那些堅持下去的人做得很好：XRP的價格在其一生中大約提高了約15,000％，其中包括以來超過300％的選舉。特朗普政府對加密貨幣採取了更為支持的立場，這支持了XRP和其他代幣的情緒。

Today, it is the world's fourth-largest cryptocurrency by market cap. Can XRP (Ripple) make you a millionaire based on its recent price, or is this token running out of steam? Here is what you need to know.Where XRP stands in a rapidly changing regulatory landscapeOn the one hand, XRP's performance is impressive in the light of a nagging lawsuit by the Securities and Exchange Commission (SEC), which sued Ripple in late 2020. The SEC alleged that XRP is a security and that Ripple's sale of the token was an unregistered securities offering. Ripple sold it to financial institutions and individual investors via cryptocurrency exchanges.In July 2023, the judge in the case essentially ruled that XRP was a security when sold to institutions but not when sold to individuals on exchanges. The SEC appealed the ruling, which was seen as a partial win for Ripple, and that is where things stand now.However, new government leadership, such as the Treasury secretary and head of the SEC, are supportive of cryptocurrencies. President Donald Trump has also backed that up with a recent executive order to establish strategic digital asset reserves, one dedicated to Bitcoin and another for other cryptocurrencies. And regulators have begun closing out litigation against some businesses that deal in cryptocurrencies, including cases against Robinhood (HOOD -1.23%), Coinbase (COIN -0.67%), Uniswap, and Gemini. Although Ripple's case still stands, it's encouraging that regulators are easing their stance against the industry.This will ultimately drive XRP's valueIf the lawsuit against Ripple is closed out and investors can finally appreciate XRP's potential in full, the extent of that potential will boil down to the demand for XRP from real-world use.

如今，它是全球第四大加密貨幣。 XRP（波紋）可以根據其最近的價格使您成為百萬富翁，還是該令牌用完了？ Here is what you need to know.Where XRP stands in a rapidly changing regulatory landscapeOn the one hand, XRP's performance is impressive in the light of a nagging lawsuit by the Securities and Exchange Commission (SEC), which sued Ripple in late 2020. The SEC alleged that XRP is a security and that Ripple's sale of the token was an unregistered securities offering. Ripple通過加密貨幣交易所將其賣給了金融機構和個人投資者。在2023年7月，該案的法官本質上裁定XRP是出售給機構時的安全性，但在交易所交易所出售給個人時不可能是安全性。 SEC對這項裁決提出上訴，該裁決被視為波紋的部分勝利，這就是現在的立場。但是，新政府領導人，例如財政部長兼SEC負責人，都支持加密貨幣。總統唐納德·特朗普（Donald Trump）還以最近的行政命令支持建立戰略性數字資產儲備，一個專門用於比特幣，另一個專門用於其他加密貨幣。監管機構已經開始關閉一些處理加密貨幣的企業的訴訟，包括反對Robinhood（Hood -1.23％），Coinbase（Coin -0.67％），Uniswap和Gemini的案件。儘管Ripple的案子仍然存在，但令人鼓舞的是，監管機構正在放鬆對該行業的立場。這最終將驅動XRP的有價值的訴訟，針對Ripple的訴訟已關閉，投資者最終可以全面欣賞XRP的潛力，這種潛力的範圍將使對XRP的需求歸結為現實世界中對XRP的需求。

XRP's purpose is to help facilitate cross-border transactions and money transfers. The world's banking system currently depends on the Society for Worldwide Interbank Financial Telecommunication (SWIFT) to transfer, verify, and settle funds sent between countries, but it's cumbersome, slow, and costly.

XRP的目的是幫助促進跨境交易和匯款。全球銀行體系目前依賴於全球銀行間財務電信協會（SWIFT）來轉讓，驗證和結算在國家之間發送的資金，但這很麻煩，緩慢且昂貴。

Using the Ripple blockchain, funds can be converted from one currency to XRP, then from XRP to another currency at the other end of the transaction in just seconds. This process is also more efficient and cost-effective than SWIFT.

使用波紋區塊鏈，可以將資金從一種貨幣轉換為XRP，然後在交易的另一端從短短幾秒鐘內從XRP轉換為另一種貨幣。這個過程也比Swift更有效和更具成本效益。

Currently, some institutions use XRP for transactions, while some use Ripple's blockchain but not the XRP token itself. That usage could increase once there's more certainty regarding Ripple's regulatory standing. Meanwhile, its blockchain is receiving technology upgrades that could further strengthen the case for using XRP.Can XRP make you a millionaire?Given XRP's current $122 billion market cap, it seems unlikely that the cryptocurrency will make investors rich overnight. Not to mention, that would put its valuation in the same league as the world's largest companies.

當前，某些機構將XRP用於交易，而有些機構則使用Ripple的區塊鏈，但不使用XRP令牌本身。一旦有關Ripple的監管地位有更多的確定性，這種使用可能會增加。同時，其區塊鏈正在接受技術升級，可以進一步加強使用XRP的情況。XRP可以使您成為百萬富翁？考慮到XRP目前的1220億美元市值，似乎不可能使投資者在一夜之間使投資者富裕。更不用說，這將使其估值與世界上最大的公司同一聯盟。

It would take an incredible surge in demand for XRP to propel its market value to the trillions of dollars, which is the level needed to generate the sort of 1,000%-plus total return needed for a six-figure investment to become a seven-figure one.

將XRP的需求激增，將其市場價值推動到數万億美元，這是產生六位數投資以成為七位數所需的1,000％以上總回報所需的水平。

However, I do think there is still quite a bit of upside potential in XRP at these prices if it manages to establish itself as a key contributor in an increasingly digital economy during the coming years.

但是，我確實認為，如果在未來幾年內將自己確立為日益數字經濟的關鍵貢獻者，則XRP的潛力仍然很大。

Investors should keep an eye on any developments in Ripple's lawsuit for signs that the case could soon be closed out. After that, it is up to financial institutions to decide whether they will use more of XRP for international payments. If this plays out, XRP could be a winning investment.

投資者應密切關注Ripple訴訟中的任何事態發展，以表明該案可能很快被關閉。之後，由金融機構決定是否將更多的XRP用於國際付款。如果這樣做，XRP可能是一項勝利的投資。

That said, it could be a wild ride. There are many moving parts -- in government, across the cryptocurrency space, and within Ripple's lawsuit. Not to mention, cryptocurrency prices have historically gone through boom-and-bust cycles.

也就是說，這可能是一個瘋狂的旅程。在政府，跨加密貨幣領域以及波紋的訴訟中，有許多活動部位。更不用說的是，加密貨幣價格歷史上已經經歷了繁榮的周期。

If you invest in XRP, consider mitigating the risks by diversifying your portfolio, buying it slowly and steadily, and anticipating price volatility in both directions.

如果您投資於XRP，請考慮通過使投資組合多樣化，緩慢而穩定地購買以及預期這兩個方向的價格波動來減輕風險。