XRP（XRP）在總統唐納德·特朗普（Donald Trump）提到“有價值的加密貨幣”之後獲得了國家認可

Ripple Labs的XRP（XRP）是市值的第三大加密貨幣，在唐納德·特朗普總統提到“有價值的加密貨幣”之後，獲得了國家認可

President Donald Trump's planned US strategic crypto reserve will reportedly hold "valuable" cryptocurrency assets, including Bitcoin (BTC), Ethereum (ETH), and Ripple’s XRP, according to a report by CCXV.

根據CCXV的一份報告，唐納德·特朗普總統計劃的美國戰略加密保護區將持有包括比特幣（BTC），以太坊（ETH）和Ripple的XRP在內的“有價值的”加密貨幣資產。

Trump’s executive order on March 6 unveiled a new structure for the altcoins, known as the Digital Asset Stockpile, which will be managed by the Treasury.

特朗普在3月6日的行政命令揭示了一個新的結構，該結構被稱為“數字資產庫存”，該結構將由財政部管理。

While the crypto community remains divided on whether XRP is truly as valuable as President Trump suggests, a closer look at the altcoin’s utility is warranted.

儘管加密貨幣社區在XRP是否確實像特朗普總統所建議的那樣有價值，但必須仔細研究Altcoin的效用。

XRP’s potential role in banking

XRP在銀行業中的潛在作用

Launched in 2012 by Ripple Labs, the XRP Ledger (XRPL) was designed for interbank settlements. It initially offered three enterprise solutions: xRapid, xCurrent, and xVia, all later rebranded under the RippleNet umbrella. XCurrent provides real-time messaging and settlement between banks, xVia is a payment interface allowing financial institutions to send payments through RippleNet, and xRapid, now part of On-Demand Liquidity (ODL), facilitates cross-border transactions.

XRP Ledger（XRPL）於2012年由Ripple Labs推出，是為銀行間定居點設計的。它最初提供了三種企業解決方案：Xrapid，Xcurrent和XVIA，後來均在Ripplenet傘下重新命名。 XCurrent提供了銀行之間的實時消息和結算，XVIA是一個付款接口，允許金融機構通過Ripplenet發送付款，而Xrapid（現在是按需流動性（ODL）的一部分）促進了跨境交易。

Only ODL actually requires XRP; the other services allow banks to use RippleNet without ever holding the token. This means bank adoption of Ripple technology does not always drive XRP’s price.

只有ODL實際上需要XRP；其他服務允許銀行在不持有令牌的情況下使用Ripplenet。這意味著銀行採用波紋技術並不總是會推動XRP的價格。

Some of the world’s largest banks have used xCurrent and xVia, including American Express, Santander, Bank Of America, and UBS. There is less data on the entities that use XRP-powered ODL service. Known adopters include SBI Remit, a major Japanese remittance provider, and Tranglo, a leading remittance company in Southeast Asia.

世界上一些最大的銀行使用了Xcurrent和XVIA，包括美國運通，桑坦德，美國銀行和瑞銀。使用XRP驅動的ODL服務的實體的數據較少。已知的採用者包括日本主要匯款提供商SBI Remit，以及東南亞領先的匯款公司Tranglo。

XRP’s role in Web3

XRP在Web3中的角色

XRP is also used as a gas token. However, unlike the Ethereum network, where fees go to validators, a small amount of XRP is burned as an anti-spam mechanism.

XRP也被用作氣體令牌。但是，與以太坊網絡（在驗證器上收取費用）不同，將少量的XRP燃燒為一種反垃圾郵件機制。

XRP’s role in Web3 is minimal. Unlike Ethereum, Ripple does not support complex smart contracts or DApps. It offers only basic Web3 functionality, such as a token issuance mechanism and native NFT support under the XLS-20 standard, introduced in 2022.

XRP在Web3中的作用很小。與以太坊不同，Ripple不支持複雜的智能合約或DAPP。它僅提供基本的Web3功能，例如2022年推出的XLS-20標準下的代幣發行機制和本機NFT支持。

The XRPL Web3 ecosystem is small. Its modest DeFi sector holds $80 million in total value locked (TVL), according to DefiLlama. XRPL’s tokens have a combined market cap of $468 million, according to Xrpl.to. Most of them are DEX tokens (SOLO) and memes (XRPM), as well as wrapped BTC and stablecoins.

XRPL Web3生態系統很小。根據Defillama的說法，其適度的Defi行業持有8000萬美元的總價值鎖定（TVL）。根據Xrpl.to.的數據，XRPL的令牌的總市值為4.68億美元。其中大多數是Dex令牌（獨奏）和模因（XRPM），以及包裹的BTC和StableCoins。

So far, XRPL’s Web3 sector remains niche and trails true smart contract platforms like Ethereum and Solana.

到目前為止，XRPL的Web3領域仍然是利基市場，並拖延了Ethereum和Solana等真正的智能合同平台。

Crypto pundits split hairs on XRP’s role in a strategic reserve

加密專家在XRP在戰略儲備中的作用劃分頭髮

At the end of January, the House passed a bill that would require the US to create a national strategy for cryptocurrency.

1月底，眾議院通過了一項法案，該法案將要求美國製定一項國家的加密貨幣戰略。

This follows a December report by the Presidential Economic Policy Advisers, recommending the creation of a US strategic crypto reserve.

這是在總統經濟政策顧問12月的一份報告之後，建議創建美國戰略加密保護區。

Highlighting the administration’s interest in crypto, President Trump plans to launch a new "Digital Asset Stockpile" to be managed by the Treasury, according to CCXV.

據CCXV稱，特朗普總統計劃強調政府對加密貨幣的興趣，計劃發起新的“數字資產庫存”，由財政部管理。

The report also mentions that the crypto portfolio will consist of "valuable" digital assets, including Bitcoin, Ethereum, Stellar, Chainlink, and Ripple’s XRP.

該報告還提到，加密產品組合將由“有價值的”數字資產組成，包括比特幣，以太坊，恆星，鏈條和Ripple的XRP。

This sparks a debate among crypto pundits on whether XRP truly holds the same value as President Trump suggests.

這引發了加密貨幣專家之間的辯論，就XRP是否真正擁有與特朗普總統建議的相同價值。

While the role of BTC as a decentralized store of value is widely recognized, XRP’s purpose remains less clear, although few in the crypto space would argue that it could qualify as independent money.

儘管BTC作為分散的價值存儲的作用得到了廣泛認可，但XRP的目的仍然不清楚，儘管加密貨幣空間中很少有人會認為它可以作為獨立資金資格。

This is primarily due to one of Ripple’s most uncomfortable aspects—its permissioned nature. Unlike Bitcoin or Ethereum, Ripple does not rely on miners or staked tokens to secure the network. Instead, it uses a Unique Node List—a group of trusted validators responsible for approving transactions.

這主要是由於Ripple最不舒服的方面之一，即它的許可性質。與比特幣或以太坊不同，Ripple不依賴礦工或固定的代幣來保護網絡。取而代之的是，它使用一個唯一的節點列表 - 一組負責批准交易的受信任驗證者。

This setup, which optimizes speed and efficiency, sparks concerns about censorship, corruption, and security risks.

這種優化速度和效率的設置引發了人們對審查，腐敗和安全風險的關注。

Discussing the potential of XRP, Bitcoin proponent and co-founder of Casa Jameson Lopp didn’t mince his words:

討論XRP，比特幣支持者和Casa Jameson Lopp的聯合創始人的潛力並沒有削弱他的話：

There’s no love lost between Bitcoiners and B brightercoin supporters, especially after Ripple co-founder Chris Larsen partnered with Greenpeace to fund an anti-Bitcoin campaign.

比特幣和B Brightercoin支持者之間沒有失去的愛，尤其是在Ripple聯合創始人Chris Larsen與GreenPeace合作以資助反比型幣運動之後。

However, Lopp’s comparison to CBDCs holds some weight, given XRPL’s permissioned nature. It reflects a common view in the crypto community that XRP functions more like a banking tool than a truly independent cryptocurrency.

但是，鑑於XRPL的許可性質，LOPP與CBDC的比較具有一定的重量。它反映了加密社區中的一種共同觀點，即XRP的功能更像是一種銀行工具，而不是真正獨立的加密貨幣。

While the XRPL blockchain sees widespread use in banking, XRP’s utility remains a point of concern. It is underscored by the fact that approximately 55% of the 100 billion pre-mined coins are still held by Ripple Labs. This concentration sparks concerns about potential market manipulation and the coin’s long-term stability.

儘管XRPL區塊鏈在銀行業中看到廣泛使用，但XRP的實用程序仍然是一個關注點。在Ripple Labs仍然持有1000億枚預裝硬幣中約55％的事實，這一點強調了這一事實。這種集中註意力引發了人們對潛在市場操縱和硬幣的長期穩定性的關注。