您应该在$ 3以下时购买XRP吗？这是重要的细节

Ripple正处于与SEC的漫长法律斗争中。加密货币调节环境越来越有利。 XRP可能会破坏跨境支付中的现状。

The native digital asset on the XRP Ledger, XRP (CRYPTO: XRP), peaked at around $3.30 in January after surging more than 550% following the presidential election in November. However, the token has since retraced its way to $2.55 as of Feb. 18, declining 20% from its January high, as the excitement about Donald Trump's victory has faded.

XRP分类帐（XRP：Crypto：XRP）上的本地数字资产在一月份达到了3.30美元左右，在11月总统大选后飙升了550％以上。但是，截至2月18日，该令牌自此回顾至2.55美元，从1月份的高点下降了20％，因为唐纳德·特朗普的胜利的兴奋已经消失。

Still, XRP is the third largest cryptocurrency by market value behind Bitcoin and Ethereum, and its price could increase if more financial institutions adopt Ripple Payments. Should you buy XRP while it trades below $3? Here's what you need to know.

尽管如此，XRP还是市场价值的第三大加密货币，仅次于比特币和以太坊，如果有更多的金融机构采用波纹付款，其价格可能会上涨。您应该在$ 3以下时购买XRP吗？这是您需要知道的。

Ripple is in the middle of a lengthy legal battle with the SEC.

Ripple正处于与SEC的漫长法律斗争中。

The Securities and Exchange Commission (SEC) sued Ripple in December 2020 for selling XRP tokens as unregistered securities. Specifically, the lawsuit alleged that the company raised $728 million from institutional investors and $757 million through exchanges, and that all transactions qualified as illegal securities sales.

美国证券交易委员会（SEC）于2020年12月起诉Ripple，以出售XRP代币作为未注册的证券。具体而言，该诉讼声称该公司从机构投资者那里筹集了7.28亿美元，通过交易所筹集了7.57亿美元，所有交易都符合非法证券销售的资格。

In July 2023, a U.S. district court issued a split ruling. Judge Analisa Torres said the direct transactions with institutional investors were unlawful, but XRP transactions on digital exchanges did not violate the law. The judge ordered Ripple to pay the SEC $125 million, far less than the $2 billion the SEC wanted.

2023年7月，美国地方法院发布了一项分裂裁决。 Analisa Torres法官说，与机构投资者的直接交易是非法的，但是关于数字交易的XRP交易并未违反法律。法官命令Ripple向SEC支付1.25亿美元，远远低于SEC想要的20亿美元。

In October 2024, the SEC appealed the district court's ruling, and the agency has since submitted an opening brief, reasserting its belief that XRP sold on digital exchanges violated the law. Ripple is expected to file its opening brief by April 16, 2025.

2024年10月，美国证券交易委员会（SEC）对地方法院的裁决提出上诉，此后，该机构提交了开幕式摘要，重申了其对XRP在数字交易所出售的XRP违反法律的信念。 Ripple预计将在2025年4月16日之前提交其开幕式摘要。

The ongoing legal battle between the SEC and Ripple is a major headwind for XRP investors. It's unlikely that Ripple Payments will see significant adoption among banks and other payment services companies until the lawsuit is resolved.

SEC和Ripple之间正在进行的法律斗争是XRP投资者的主要逆风。在解决诉讼之前，波纹付款不太可能在银行和其他支付服务公司之间获得大量采用。

The cryptocurrency regulatory environment is increasingly favorable.

加密货币调节环境越来越有利。

President Donald Trump promised to support the cryptocurrency industry throughout his recent campaign, and he has taken steps to keep those promises during his first month in office. In January, he signed an executive order that created a working group tasked with evaluating the creation of a national digital asset stockpile.

唐纳德·特朗普（Donald Trump）总统承诺在他最近的竞选过程中支持加密货币行业，他在任职的第一个月中采取了措施来保持这些诺言。一月份，他签署了一项行政命令，该命令创建了一个工作组，该工作组负责评估国家数字资产库存的创建。

Additionally, Trump nominated pro-crypto hedge fund manager Scott Bessent as Treasury Secretary. Bessent told Fox News in July "Crypto is about freedom and the crypto economy is here to stay." Trump also nominated Paul Atkins as SEC Chair. He has criticized the agency for not accommodating cryptocurrency companies under former Chairman Gary Gensler.

此外，特朗普提名了亲克赖普托对冲基金经理Scott Bessent为财政部长。 Bessent在7月对Fox News表示：“加密是关于自由的，而加密经济将留在这里。”特朗普还提名保罗·阿特金斯（Paul Atkins）担任SEC主席。他批评该机构没有在前董事长加里·金斯勒（Gary Gensler）领导下适应加密货币公司。

Importantly, while the Senate has yet to approve Atkins, the SEC has already changed tack with digital assets. In January, the agency acknowledged it had primarily used enforcement action to regulate cryptocurrency retroactively, rather than crafting clear rules up front. "The SEC can do better," the press release stated.

重要的是，尽管参议院尚未批准阿特金斯，但SEC已经通过数字资产改变了策略。该机构在一月份承认，它主要采用执法行动来追溯地调节加密货币，而不是前面制定明确的规则。新闻稿说：“ SEC可以做得更好。”

Also, the agency formed a cryptocurrency task force to "draw clear regulatory lines, provide realistic paths to registration, craft sensible disclosure frameworks, and deploy enforcement resources judiciously." That represents a dramatic shift from how the SEC dealt with cryptocurrency companies under Gensler.

此外，该机构组建了一个加密货币工作组，以“划定明确的监管线，为注册提供现实的途径，制定明智的披露框架以及明智地部署执法资源。”这代表了SEC与Gensler领导下的加密货币公司打交道的巨大转变。

Here's the bottom line: While none of those changes benefit XRP specifically, the more favorable regulatory environment bodes well for the cryptocurrency. It may encourage more institutional investors to buy XRP, especially if the U.S. government creates a national digital asset stockpile. And it could lead the SEC to dismiss its case against Ripple.

这是底线：虽然这些更改都没有特定受益于XRP，但更有利的监管环境可以很好地实现加密货币。它可能鼓励更多的机构投资者购买XRP，尤其是如果美国政府创建国家数字资产库存。它可能导致SEC驳回其针对Ripple的案件。

XRP could disrupt the status quo in cross-border payments.

XRP可能会破坏跨境支付中的现状。

Ripple's payments network uses the XRP token as a bridge currency to move money across international borders quickly and cheaply. Specifically, transactions on the XRP blockchain are generally settled within seconds, and they cost as little as a fraction of a cent.

Ripple的支付网络使用XRP代币作为桥梁货币，快速，便宜地将资金转移到国际边界上。具体而言，XRP区块链上的交易通常在几秒钟内解决，它们的成本仅为一分之一。

Comparatively, transactions sent through the Swift system -- the most popular solution for cross-border payments -- can take several days to settle. And because they usually involve at least one intermediary, and each entity charges a fee, transactions are more expensive.

相比之下，通过Swift系统发送的交易（最受欢迎的跨境支付解决方案）可能需要几天才能解决。而且由于它们通常涉及至少一个中介，并且每个实体收取费用，因此交易更昂贵。

Ripple recently enhanced its value proposition for banks and payments companies by launching a stablecoin called Ripple USD (RLUSD). The stablecoin is tied to the U.S. dollar, making it a less volatile bridge currency than XRP. Ripple will begin using RLUSD to facilitate payments for enterprise customers this year.

Ripple最近通过推出一个名为Ripple USD（RLUSD）的Stablecoin来提高其对银行和支付公司的价值主张。稳定币与美元息息相关，使其比XRP易变的桥梁货币。 Ripple将开始使用RLUSD今年为企业客户付款。

Importantly, XRP supply is fixed at 100 billion tokens, so increased demand will result in price appreciation. The RLUSD stablecoin could make that happen in two ways:

重要的是，XRP供应固定为1000亿个令牌，因此需求增加将导致价格升值。 RLUSD Stablecoin可以通过两种方式实现这一目标：

• Transaction on the XRP blockchain (even those involving the stablecoin Ripple USD) incur transaction fees that are paid in XRP.

•XRP区块链（即使是涉及Stablecoin Ripple USD）的交易产生了XRP支付的交易费用。

• The stablecoin may bring more DeFi (decentralized finance) developers to the blockchain, and those transactions would also incur fees in XRP.

•Stablecoin可能会将更多的Defi（分散融资）开发人员带到区块链，这些交易也会在XRP中产生费用。

Additionally, several asset managers have requested permission from the SEC to introduce spot XRP ETFs. Those funds would provide institutional and retail investors with a simple path to XRP exposure free from the hassle and fees associated with cryptocurrency exchanges.

此外，几位资产管理人员已要求SEC允许引入SPOT XRP ETF。这些资金将为机构和散户投资者提供简单的XRP风险途径，摆脱与加密货币交易所相关的麻烦和费用。

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