现在哪些加密货币值得投资？

比特币是数字货币的最初例子，本月早些时候创下每枚 99,830 美元（79,541 英镑）的历史新高，并且可能还会进一步攀升。

Cryptocurrencies are booming once again. Bitcoin, the original example of digital money, hit a record high of $99,830 (£79,541) per coin earlier this month, and may have further to climb.

加密货币再次蓬勃发展。比特币是数字货币的最初例子，本月早些时候创下每枚 99,830 美元（79,541 英镑）的历史新高，并且可能还会进一步攀升。

It is no wonder, when President-elect Donald Trump has previously pledged to turn the US into ‘the world capital of Bitcoin’.

难怪当选总统唐纳德·特朗普此前曾承诺将美国变成“世界比特币之都”。

It’s just two and a half years since cryptocurrencies faced such a plunge in value that many thought they would all but sink into oblivion.

仅仅两年半以来，加密货币的价值就出现了如此大的暴跌，以至于许多人认为它们几乎会被遗忘。

In May 2022, holders lost around £300 billion of value in under a month and by the end of that year bitcoin was worth under $17,000.

2022 年 5 月，比特币持有者在不到一个月的时间里损失了约 3000 亿英镑的价值，到当年年底，比特币的价值不到 17,000 美元。

Now its value has soared by over 150 per cent in just 12 months and many financial experts predict it could break through the $100,000 barrier this year. Other cryptocurrencies have seen similar resurgences.

现在它的价值在短短 12 个月内飙升了 150% 以上，许多金融专家预测今年它可能会突破 10 万美元大关。其他加密货币也出现了类似的复苏。

So is it now a viable investment – or as volatile and dangerous as it ever was? And for those wishing to take a punt, where are experts spying opportunities – and which options are duds? Should you get stuck in?

那么，它现在是一项可行的投资吗——还是像以前一样不稳定和危险？对于那些想要冒险的人来说，专家们在哪里寻找机会——哪些选择是失败的？你应该被困在里面吗？

Before you take the plunge into the world of cryptocurrencies, remember they are not an investment.

在您投入加密货币世界之前，请记住它们不是投资。

They are largely unregulated, very volatile and high risk – and if you lose money, you have no protection under the Financial Services Compensation Scheme safety net.

它们基本上不受监管、波动性很大且风险很高——如果您亏损，您将得不到金融服务补偿计划安全网的保护。

Scammers also take advantage of the lack of understanding and regulation of cryptocurrencies to steal savers’ cash.

诈骗者还利用对加密货币缺乏了解和监管来窃取储户的现金。

Bitcoin, Ethereum and Dogecoin

比特币、以太坊和狗狗币

Matthew Long, director of payments and digital assets at the Financial Conduct Authority (FCA), says: ‘We continue to warn people about scams and inform them of the risks associated with crypto. If you buy crypto, be prepared to lose all your money.’

英国金融行为监管局 (FCA) 支付和数字资产主管 Matthew Long 表示：“我们将继续警告人们提防诈骗，并告知他们与加密货币相关的风险。如果你购买加密货币，请做好损失所有钱的准备。”

That said, cryptocurrency ownership is on the rise, with 12 per cent of UK adults now owning some, figures from the FCA reveal.

尽管如此，FCA 的数据显示，加密货币的拥有量正在增加，目前有 12% 的英国成年人拥有加密货币。

Clearly it is capturing people’s curiosity. So, if you have money that you are willing to take a punt with, and feel confident you know how to buy cryptocurrency safely, where are experts suggesting you should look for opportunities?

显然它正在抓住人们的好奇心。因此，如果您有钱愿意冒险，并且有信心知道如何安全地购买加密货币，那么专家建议您应该在哪里寻找机会呢？

1. Bitcoin

1. 比特币

Bitcoin is the biggest, best-known and most established cryptocurrency. It is the closest to gaining acceptance by the investment establishment. Traditional fund managers at investment houses – such as Ruffer, Schroders and Jupiter – have bought it in the past though never more than a small fraction of portfolios.

比特币是最大、最知名、最成熟的加密货币。这是最接近获得投资机构认可的。鲁弗（Ruffer）、施罗德（Schroders）和朱庇特（Jupiter）等投资公司的传统基金经理过去也曾购买过它，但只占投资组合的一小部分。

This growing acceptance, combined with Trump’s return, has many thinking that another run higher is possible.

这种日益增长的接受度，加上特朗普的回归，让许多人认为，再次走高是可能的。

IG Markets analyst Tony Sycamore says: ‘Bitcoin’s recent rally fell short of the $100,000 mark, leading to a pullback. This retracement is seen as a natural correction, with expectations of a retest of the $100,000 level in the coming weeks. The presence of a pro-crypto President in the White House bolsters long term optimism for Bitcoin.’

IG Markets 分析师 Tony Sycamore 表示：“比特币最近的涨势未能突破 10 万美元大关，导致回调。此次回调被视为自然修正，预计未来几周将重新测试 100,000 美元水平。一位支持加密货币的总统入主白宫增强了人们对比特币的长期乐观情绪。

2. Uniswap

2、Uniswap

Founded in 2018 by a former Siemens engineer, this is a cryptocurrency exchange that is owned by its users. Those who own its namesake digital coins have the right to vote on changes to how it operates.

这是一家由前西门子工程师于 2018 年创立的加密货币交易所，由其用户拥有。那些拥有同名数字货币的人有权就其运作方式的改变进行投票。

It is currently valued at $12.99 a token and has doubled over the past 12 months.

目前每个代币的价值为 12.99 美元，在过去 12 个月里已经翻了一番。

Glen Goodman, author of bestseller The Crypto Trader and former ITV News business correspondent, says the fact that Uniswap is owned by its users rather than a big corporation may appeal to crypto enthusiasts who believe it is set to disrupt traditional finance.

畅销书《The Crypto Trader》的作者、前 ITV News 商业记者格伦·古德曼 (Glen Goodman) 表示，Uniswap 由用户而非大公司拥有的事实可能会吸引加密货币爱好者，他们认为 Uniswap 将颠覆传统金融。

‘This project revolutionised crypto trading and showed the world what the future of finance might look like,’ he says.

“这个项目彻底改变了加密货币交易，并向世界展示了金融的未来可能是什么样子，”他说。

‘It’s a decentralised marketplace for buying and selling cryptos. The big stock exchanges are run by large corporations, but Uniswap is governed by a community of its users.’

“这是一个用于买卖加密货币的去中心化市场。大型证券交易所由大公司运营，但 Uniswap 则由其用户社区管理。

3. Ethereum

3.以太坊

The second most popular cryptocurrency is worth an impressive $434.5 billion, but this is still 78 per cent smaller than the market for Bitcoin.

第二受欢迎的加密货币价值高达 4345 亿美元，但这仍然比比特币市场小 78%。

Although network and technological improvements may help demand for Ethereum, Danny Scott, author of Bitcoin: Explained Like I’m 5 and chief executive of the Coincorner crypto dealer, said that sentiment towards Bitcoin will ultimately determine its future performance.

尽管网络和技术的改进可能会增加对以太坊的需求，但《比特币：像我 5 岁一样解释》一书的作者、Coincorner 加密货币交易商的首席执行官丹尼·斯科特 (Danny Scott) 表示，对比特币的情绪最终将决定其未来的表现。

‘As the famous saying goes, “a rising tide lifts all boats”,’ he remarks.

“俗话说，‘水涨船高’，”他说道。

4. Cardano

4.卡尔达诺

This coin was founded in 2017 and its co-creator Charles Hoskinson helped create Ethereum.

该币成立于 2017 年，其联合创始人 Charles Hoskinson 帮助创建了以太坊。

Like Bitcoin, it is viewed as a ‘Trump trade’, having seen its value skyrocket since the US election.

与比特币一样，它被视为“特朗普交易”，自美国大选以来其价值飙升。

Goodman says: ‘This blockchain platform has struggled to gain popularity over the years, but now the founder claims he hopes to be advising the Trump administration. Cardano’s price has been rocketing in anticipation of Hoskinson getting a role close to the president.’

古德曼说：“多年来，这个区块链平台一直在努力获得普及，但现在创始人声称他希望为特朗普政府提供建议。由于预期霍斯金森将获得与总统关系密切的职位，卡尔达诺的身价一直在飙升。