您应该忘记比特币并购买 XRP（瑞波币）吗？

加密货币市场再次升温。随着第四个比特币（加密货币：BTC）在七个月后减半以及 2024 年选举中加密货币友好的结果，领先的代币似乎准备再次飙升。

The value of XRP (CRYPTO:XRP) has skyrocketed 136% higher in November. For context, Bitcoin (CRYPTO:BTC) has gained 27% this month, and Ethereum (CRYPTO:ETH) is up by a richer 36%.

XRP (CRYPTO:XRP) 的价值在 11 月份飙升了 136%。就背景而言，比特币 (CRYPTO:BTC) 本月上涨了 27%，以太坊 (CRYPTO:ETH) 上涨了 36%。

But which cryptocurrency is a better way to build wealth in the crypto market: XRP, Ethereum, or Bitcoin? Let's take a closer look at their value propositions and recent performance.

但哪种加密货币是在加密货币市场积累财富的更好方式：XRP、以太坊还是比特币？让我们仔细看看他们的价值主张和最近的表现。

Why Bitcoin and Ethereum Hold More Value Over Time

为什么比特币和以太坊随着时间的推移持有更多的价值

Generally, I expect Bitcoin and Ethereum to have more value than XRP in the long run. Here's why:

一般来说，从长远来看，我预计比特币和以太坊比 XRP 更有价值。原因如下：

Bitcoin aims to act as a general-purpose system for storing monetary value. It's designed to be a decentralized and censorship-resistant digital currency, aiming to replace fiat currencies and physical gold as a store of value.

比特币旨在充当存储货币价值的通用系统。它被设计为一种去中心化且抗审查的数字货币，旨在取代法定货币和实物黄金作为价值储存手段。

Ethereum was built to power automated financial systems and other software applications, which are the foundation of decentralized finance (DeFi). It enables smart contracts, decentralized exchanges, and other complex financial instruments.

以太坊旨在为自动化金融系统和其他软件应用程序提供动力，这是去中心化金融（DeFi）的基础。它支持智能合约、去中心化交易所和其他复杂的金融工具。

XRP's mission of providing quick, low-cost payments across international borders is still ambitious and legitimate -- but it can't compare to the larger visions of smart contracts and full-fledged digital currencies.

XRP 提供快速、低成本的跨境支付的使命仍然雄心勃勃且合法，但它无法与智能合约和成熟的数字货币的更大愿景相提并论。

So, I don't expect XRP to outgrow Ethereum or Bitcoin forever. I suppose it could happen if another cryptocurrency (or some entirely new financial technology) replaces Bitcoin as the leading "digital gold" or if one of the so-called Ethereum killers provides an objectively superior smart contracts platform. That would be bad news for the old crypto kings but not necessarily good for XRP and its investors.

因此，我预计 XRP 的增长不会永远超过以太坊或比特币。我认为，如果另一种加密货币（或某种全新的金融技术）取代比特币成为领先的“数字黄金”，或者所谓的以太坊杀手之一提供了客观上优越的智能合约平台，那么这种情况就可能发生。这对于老牌加密货币之王来说是个坏消息，但对 XRP 及其投资者来说却不一定是好事。

XRP's Evolving Market Position

XRP 不断变化的市场地位

That being said, XRP has a lot of room to grow before butting heads with Ethereum and Bitcoin. It's the sixth-largest cryptocurrency by total market value today, far behind the giants at the top. It would be particularly shocking to see XRP carry a larger market cap than Bitcoin -- but it could multiply in value more than 20 times over without raising that question, and I'd have to assume that Bitcoin wasn't rising over the same period:

话虽如此，XRP 在与以太坊和比特币正面交锋之前还有很大的增长空间。按当今总市值计算，它是第六大加密货币，远远落后于顶级巨头。看到 XRP 的市值比比特币更大会特别令人震惊——但如果不提出这个问题，它的价值可能会增加 20 倍以上，而且我不得不假设比特币在同一时期没有上涨:

Cryptocurrency Market Capitalization 1-Year Price Change

加密货币市值一年价格变化

Bitcoin $1.93 trillion 167%

比特币 1.93 万亿美元 167%

Ethereum $395 billion 62%

以太坊 3950 亿美元 62%

XRP $80 billion 136%

XRP 800 亿美元 136%

Data collected from CoinMarketCap on Nov. 22, 2024.

数据于 2024 年 11 月 22 日从 CoinMarketCap 收集。

Bitcoin aims to replace physical gold as a system for storing financial value. That's about a $14 trillion market today.

比特币旨在取代实物黄金作为存储金融价值的系统。如今这个市场规模约为 14 万亿美元。

The global volume of border-crossing payments is much larger than that, estimated at approximately $190 trillion a year. But the fees, currency exchange costs, and service expenses associated with these massive money flows are far smaller at $193 billion in 2023.

全球跨境支付量远大于此，估计每年约为 190 万亿美元。但与这些巨额资金流动相关的费用、货币兑换成本和服务费用要小得多，到 2023 年仅为 1,930 亿美元。

So, XRP is aiming for a smaller revenue-generating opportunity. And keep in mind that its RippleNet payment service is known for moving money with minimal fees. So, the token's actual revenue target will be far below the current banking system's share of foreign money transfers.

因此，XRP 的目标是较小的创收机会。请记住，其 RippleNet 支付服务以最低费用转移资金而闻名。因此，该代币的实际收入目标将远远低于当前银行系统在国外汇款中的份额。

XRP Deserves Your Consideration Alongside Larger Coins

XRP 值得您与更大的硬币一起考虑

Now you know how XRP's long-term value compares to Bitcoin's and Ethereum's, and I've touched on the limits of this token's target market. Bitcoin can clearly fill a role in your portfolio that XRP isn't even trying to address, and the same can be said about Ethereum. A well-rounded cryptocurrency portfolio should have some exposure to the two largest names in this sector.

现在您知道 XRP 的长期价值与比特币和以太坊相比如何，并且我已经触及了该代币目标市场的限制。比特币显然可以在您的投资组合中填补 XRP 甚至没有试图解决的角色，以太坊也是如此。全面的加密货币投资组合应该对该领域的两个最大的公司有一定的投资。

I'm not saying you should sell your Bitcoin and go all-in on XRP today. Still, the XRP token looks undervalued and has plenty of room for growth in the next few years. The legal challenge brought by the U.S. Securities and Exchange Commission four years ago should wrap up in 2025.

我并不是说你今天应该卖掉你的比特币并全力买入 XRP。尽管如此，XRP 代币看起来仍被低估，并且在未来几年有很大的增长空间。美国证券交易委员会四年前提出的法律挑战预计将于 2025 年结束。

Money center banks worldwide are taking blockchain-based payment systems more seriously than ever, with XRP playing a leading role in that adoption trend. And the RippleNet service is getting busy -- the number of daily XRP payments has tripled in six months.

全球货币中心银行比以往任何时候都更加重视基于区块链的支付系统，XRP 在这一采用趋势中发挥着主导作用。 RippleNet 服务变得越来越繁忙——每日 XRP 支付数量在六个月内增加了两倍。

I could keep talking about positive trends in the Ripple space, from liquidity pools to central bank digital currencies, but you get my point. This fairly large cryptocurrency is going places.

我可以继续谈论 Ripple 领域的积极趋势，从流动性池到央行数字货币，但你明白我的意思。这种相当大的加密货币正在流行。

So, on top of the generally bullish mood in the crypto sector, XRP has several growth catalysts in play. Don't forget Bitcoin and keep Ethereum in mind as well, but you should also make room for another winning name. A modest scoop of XRP tokens should serve your nest egg well in this bull market.

因此，除了加密货币行业普遍看涨的情绪之外，XRP 还有几个增长催化剂在发挥作用。不要忘记比特币，也不要忘记以太坊，但你也应该为另一个获胜的名字腾出空间。在这个牛市中，适量的 XRP 代币应该可以很好地满足您的储蓄需求。