XRP：國際支付加密貨幣的崛起

Ripple 的加密貨幣 XRP 在近幾個月經歷了大幅飆升，自 2024 年 11 月以來飆升了 350% 以上。

In recent months, Ripple's cryptocurrency, XRP, has experienced a dramatic surge, skyrocketing by over 350% since November 2024. This remarkable ascent has propelled XRP to become the third-largest digital asset, surpassing major corporations like Mastercard and Morgan Stanley in terms of market value, which now stands at $141 billion.

近幾個月來，Ripple 的加密貨幣XRP 經歷了戲劇性的飆升，自2024 年11 月以來飆升了350% 以上。和摩根士丹利等大公司。

XRP's surge can be attributed to its growing reputation as the leading cryptocurrency for international payments. While Bitcoin is often referred to as digital gold and Ethereum powers decentralised finance (DeFi), XRP is gaining recognition as a utility token designed for seamless cross-border transactions.

XRP 的飆升可歸因於其作為國際支付領先加密貨幣的聲譽日益提高。雖然比特幣通常被稱為數位黃金，以太坊為去中心化金融 (DeFi) 提供動力，但 XRP 作為專為無縫跨境交易而設計的實用代幣正在獲得認可。

Prominent crypto investor Ed Franklin has highlighted XRP's potential to revolutionise money transfers. "Bitcoin is too slow and expensive, and Ethereum is not designed to handle the volume of transactions needed for global payments," he explains. "This leaves XRP, which is fast, cheap, and can handle the volume."

著名的加密貨幣投資者 Ed Franklin 強調了 XRP 徹底改變匯款的潛力。 「比特幣太慢而且太貴，而以太坊的設計初衷並不是為了處理全球支付所需的交易量，」他解釋道。 “剩下的就是 XRP，它速度快、便宜並且可以處理大量交易。”

As a result, XRP is becoming the standard for global payments, according to Franklin. This growing interest has spurred a frenzy among retail investors, with communities like Reddit's r/XRP forum celebrating the token's rise and speculating on its potential to reach $10 or even $58 based on technical indicators.

富蘭克林表示，XRP 正因此成為全球支付的標準。這種日益增長的興趣引發了散戶投資者的狂熱，Reddit 的 r/XRP 論壇等社區慶祝該代幣的上漲，並根據技術指標推測其可能達到 10 美元甚至 58 美元。

However, critics caution that such enthusiasm mirrors the speculative bubbles seen in Bitcoin's past, which ultimately led to a crash in 2018. Sceptics also point to Ripple's centralised control of XRP, with the company holding over 50% of the token's supply and facing an ongoing lawsuit by the U.S. Securities and Exchange Commission (SEC).

然而，批評者警告說，這種熱情反映了比特幣過去出現的投機泡沫，最終導致了2018 年的崩盤。供應量，並面臨持續的美國證券交易委員會（SEC）提起訴訟。

Despite these challenges, Ripple has partnered with over 300 financial institutions to expand XRP's reach. American Express and Santander are among the notable institutions offering services that integrate XRP.

儘管面臨這些挑戰，Ripple 仍與 300 多家金融機構合作，擴大 XRP 的覆蓋範圍。美國運通和桑坦德銀行是提供整合 XRP 服務的著名機構之一。

Moreover, recent legal victories have bolstered confidence in Ripple's case. In November 2024, a judge ruled that XRP holders are not parties to the SEC's lawsuit against Ripple, a decision that could significantly impact the token's future.

此外，最近的法律勝利增強了人們對 Ripple 案件的信心。 2024 年 11 月，法官裁定 XRP 持有者不是 SEC 針對 Ripple 提起的訴訟的當事人，這項決定可能會對該代幣的未來產生重大影響。

To enhance XRP's functionality, Ripple has introduced new products like the Ripple Liquid USD (RLUSD), a stablecoin backed by real-world assets and pegged to the U.S. dollar. Additionally, its On-Demand Liquidity (ODL) service, which facilitates instant cross-border payments, has gained traction in over 40 markets worldwide.

為了增強 XRP 的功能，Ripple 推出了 Ripple Liquid USD (RLUSD) 等新產品，這是一種由現實世界資產支持並與美元掛鉤的穩定幣。此外，其促進即時跨境支付的隨選流動性 (ODL) 服務已在全球 40 多個市場獲得關注。

Furthermore, institutions like BlackRock and Fidelity are rapidly increasing their exposure to XRP through exchange-traded funds (ETFs) that track the performance of crypto assets. As institutional interest grows, advocates believe XRP has the potential to rival Bitcoin's market dominance.

此外，貝萊德和富達等機構正在透過追蹤加密資產表現的交易所交易基金（ETF）迅速增加對 XRP 的投資。隨著機構興趣的增長，支持者相信 XRP 有潛力與比特幣的市場主導地位競爭。

With institutions continuing to expand their payment networks and regulatory bodies seeking clarity on crypto assets, XRP's future appears promising. Its innovative technology and adoption by financial institutions could make it a cornerstone of global payments.

隨著機構不斷擴大其支付網路以及監管機構尋求加密資產的明確性，XRP 的未來似乎充滿希望。其創新技術和金融機構的採用可能使其成為全球支付的基石。

While sceptics remain cautious due to past experiences with speculative bubbles, supporters are optimistic that XRP will achieve unprecedented heights, potentially joining Bitcoin as a trillion-dollar cryptocurrency.

儘管由於過去的投機泡沫經歷，懷疑論者仍然保持謹慎，但支持者樂觀地認為 XRP 將達到前所未有的高度，並有可能與比特幣一起成為價值數萬億美元的加密貨幣。