比较前4个付款技术：XRP（Ripple），Alchemy Pay（ACH），Stellar（XLM）和FlexA（amp）

本文提供了四种突出的支付技术的深入比较：XRP（Ripple），Alchemy Pay（ACH），Stellar（XLM）和FlexA（AMP），重点关注其交易速度

In the rapidly evolving world of digital payments, selecting the optimal platform can make a substantial difference for both businesses and consumers. This article provides a comprehensive comparison of four prominent payment technologies: XRP (Ripple), Alchemy Pay (ACH), Stellar (XLM), and Flexa (AMP).

在快速发展的数字支付世界中，选择最佳平台可以对企业和消费者产生重大影响。本文提供了四种突出的支付技术的全面比较：XRP（Ripple），Alchemy Pay（ACH），Stellar（XLM）和FlexA（AMP）。

The analysis delves into their transaction speeds, fee structures, real-world applications, token utility, and overall ecosystem.

分析研究了他们的交易速度，费用结构，现实世界应用，代币实用程序和整体生态系统。

Technology and Consensus Mechanisms

技术和共识机制

XRP (Ripple)

XRP（波纹）

Created by Ripple Labs, XRP is designed to optimize cross-border transactions, particularly for financial institutions. Operating on the XRP Ledger, a more centralized blockchain, it achieves rapid transaction processing times of 3-5 seconds and a high throughput of 1,500 transactions per second (TPS).

XRP由Ripple Labs创建，旨在优化跨境交易，特别是对于金融机构。它在XRP分类帐（一个更集中的区块链）上运行，它的快速交易处理时间为3-5秒，高吞吐量为每秒1,500笔交易（TPS）。

The Ripple Protocol Consensus Algorithm (RPCA) relies on a list of trusted validators to reach consensus, eliminating the need for mining and highlighting its operational efficiency and reliability.

Ripple协议共识算法（RPCA）依赖于受信任验证者的列表来达成共识，从而消除了采矿的需求并突出其运营效率和可靠性。

Alchemy Pay (ACH)

炼金术工资（ACH）

Initially an ERC-20 token on Ethereum, Alchemy Pay ACH bridges fiat and crypto through smart contracts and off-chain solutions like the Lightning Network.

最初，Alchemy Pay ACH Bridges Fiat和Crypto通过智能合约和诸如Lightning Network之类的链链解决方案是Elc-20代币。

The recent development towards a Layer-1 blockchain, Alchemy Chain, aims to enhance scalability and payment processing capabilities. However, currently relying on Ethereum affects its transaction fees and speeds.

最近针对1层区块链Alchemy Chain的发展旨在增强可扩展性和付款处理能力。但是，目前依靠以太坊会影响其交易费用和速度。

Stellar (XLM)

恒星（XLM）

Stellar XLM operates on an open-source network that aims to increase financial inclusivity globally. Using the Stellar Consensus Protocol (SCP), a Federated Byzantine Agreement system, it achieves consensus without financial incentives for validators.

Stellar XLM在开源网络上运行，旨在在全球范围内提高财务包容性。使用恒星共识协议（SCP），一个联合的拜占庭协议系统，它在没有对验证者的经济激励措施的情况下达成共识。

This system supports low-latency transactions, with the capability to process up to 1,000 TPS, and completes transactions in 2-5 seconds.

该系统支持低延迟交易，并具有多达1,000 TP的能力，并在2-5秒内完成交易。

Flexa (AMP)

flexa（amp）

Flexa utilizes its AMP token as collateral on its decentralized platform, ensuring instant, fraud-proof payments directly at point-of-sale. Built on Ethereum with smart contract functionality, Flexa supports over 99 digital assets across multiple blockchains, guaranteeing security and transaction speed typically under one second.

Flexa将其放大器令牌用作其分散平台上的抵押品，确保直接在销售点上直接，防欺诈的付款。 FlexA建立在具有智能合同功能的以太坊的基础上，支持多个区块链的99多种数字资产，可确保安全性和交易速度通常不到一秒钟。

Transaction Speed and Fees

交易速度和费用

Each platform has tailored its technology to meet specific needs:

每个平台都量身定制其技术以满足特定需求：

Real-world Use Cases and Adoption

现实世界的用例和采用

XRP (Ripple)

XRP（波纹）

Focuses on financial institutions, including banks, payment service providers, and crypto businesses. According to Ripple Customers, its clients span across different regions and specialties, such as Banco Rendimento, IndusInd Bank, and Tranglo, with the goal of expanding global payments and liquidity management. XRP is suitable for institutions that need fast and low-cost international transaction solutions.

专注于金融机构，包括银行，支付服务提供商和加密货币业务。根据Ripple客户的说法，其客户跨越了不同地区和专业，例如Banco Rendimento，Indusind Bank和Tranglo，目的是扩大全球付款和流动性管理。 XRP适用于需要快速和低成本国际交易解决方案的机构。

Alchemy Pay (ACH)

炼金术工资（ACH）

Targets merchants, consumers, and blockchain platforms, particularly in retail and e-commerce. According to Alchemy Pay About, ACH supports over 70 countries with 300 payment channels, serving over 2 million merchants through partnerships with Shopify and Binance, aiding in integrating crypto into retail systems.

针对商人，消费者和区块链平台，特别是在零售和电子商务中。根据Alchemy Pay的说法，ACH通过与Shopify和Binance的合作伙伴关系为超过200万个付款渠道提供了70多个国家，为超过200万人提供服务，并有助于将加密货币集成到零售系统中。

Stellar (XLM)

恒星（XLM）

Serves both individuals and institutions, with a focus on financial inclusion, especially for the unbanked. According to the Stellar Ecosystem, Stellar supports projects such as digital wallets, DeFi, and global payments, with partners like IBM and Franklin Templeton, making it ideal for developing markets.

为个人和机构提供服务，重点是财务包容性，尤其是对于没有银行银行银行银行银行银行银行银行银行银行化。根据Stellar生态系统的说法，Stellar与IBM和Franklin Templeton这样的合作伙伴提供了数字钱包，DEFI和全球付款等项目，使其非常适合发展中的市场。

Flexa (AMP)

flexa（amp）

Focuses on merchants and consumers for retail crypto payments. According to Flexa Payments, Flexa supports over 99 digital assets, with partners like InComm Payments and Blackhawk Network, helping merchants accept crypto at the point of sale (POS) and online.

专注于商人和消费者进行零售加密付款。根据Flexa Payments的说法，FlexA支持超过99个数字资产，与Incomm Payments和Blackhawk Network等合作伙伴一起，帮助商人在销售点（POS）和在线接受加密货币。

Partnerships

伙伴关系

XRP (Ripple)

XRP（波纹）

Has a broad list of partners, including banks and financial institutions such as Santander, Standard Chartered, BBVA, and Nium, with over 100 partners according to Ripple Customers. These partnerships enhance cross-border payment capabilities, particularly in Asia and Latin America.

根据Ripple客户的说法，拥有大量合作伙伴，包括银行和金融机构，例如Santander，Standard Chartered，BBVA和Nium，其中100多名合作伙伴。这些伙伴关系增强了跨境支付能力，尤其是在亚洲和拉丁美洲。

Alchemy Pay (ACH)

炼金术工资（ACH）

Collaborates with major platforms like Shopify, QFPay, Arcadier, Binance, Visa, and MasterCard, reaching over 2 million merchants, according to Alchemy Pay Partnerships. This helps ACH expand its global payment network, especially in e-commerce.

根据Alchemy Pay Party伙伴关系，与Shopify，Qfpay，Arcadier，Binance，Visa和Mastercard等主要平台合作，达到了200万人。这有助于ACH扩大其全球支付网络，尤其是在电子商务中。

Stellar (XLM)

恒星（XLM）

Partners with IBM, Franklin Templeton, Oradian, and various fintech companies, according to Stellar Partnerships. These partnerships support the deployment of payment and financial solutions for emerging markets, including tokenized mutual funds built on Stellar.

根据Stellar合作伙伴关系，与IBM，Franklin Templeton，Oradian和各种金融科技公司合作。这些合作伙伴关系支持新兴市场的付款和金融解决方案的部署，包括建立在Stellar上的令牌化共同基金。

Flexa (AMP)

flexa（amp）

Works with InComm Payments, Blackhawk Network, Citcon, GK, Rooam, and Bancoagrícola, according to Flexa Partnership News. These collaborations enable Flexa to integrate with POS systems and expand crypto acceptance in North America and El Salvador.

根据Flexa Partnership News的报道，与Incomm Payments，Blackhawk Network，Citcon，GK，Rooam和Bancoagrícola合作。这些合作使FlexA能够与POS系统集成并扩大北美和萨尔瓦多的加密货币接受。

Level of Decentralization

权力下放水平

XRP (Ripple)

XRP（波纹）

The level of decentralization is controversial. XRP uses the Ripple Protocol Consensus Algorithm (RPCA) with trusted validators. However, Ripple controls a significant number of nodes and holds a large portion of XRP, raising concerns about centralization.

权力下放的水平是有争议的。 XRP使用带有受信任验证器的Ripple协议共识算法（RPCA）。但是，Ripple控制着大量的节点，并拥有很大一部分XRP，从而引起了人们对集中化的担忧。

Alchemy Pay (ACH)

炼金术工资（ACH）

Currently, payment processing may be centralized, even though the ACH token is decentralized on Ethereum. The planned launch of its own blockchain

目前，即使ACH代币在以太坊中分散，付款处理也可能集中。计划推出自己的区块链