投资者的价格低于（或接近）$ 3时，投资者是否应该购买XRP？

监管变化可能是加密货币行业的逆风。

Investors who are bullish on the future of cryptocurrency and are willing to hold XRP for the long haul may want to consider buying the cryptocurrency now that it trades at a discount. Regulatory changes and the growing need for faster and cheaper cross-border payments could propel XRP to new heights in the coming years.

对加密货币未来并愿意持有XRP的投资者长期以来可能想考虑购买加密货币，因为它以折扣价进行了交易。在未来几年中，监管变化以及对更快，更便宜的跨境支付的需求可能会使XRP提升到新的高度。

Should investors buy XRP while its price is below (or near) $3? Here are my thoughts.

投资者的价格低于（或接近）$ 3时，投资者是否应该购买XRP？这是我的想法。

Many pundits argue that under former Chairman Gary Gensler, the Securities and Exchange Commission (SEC) waged a war against cryptocurrency. But recent changes at the regulatory agency could be tailwinds for the industry that lead to greater adoption of digital assets.

许多专家认为，在前董事长加里·根斯勒（Gary Gensler）的带领下，美国证券交易委员会（SEC）发动了针对加密货币的战争。但是，监管机构的最新变化可能是该行业的逆风，从而导致更多采用数字资产。

In light of those changes, Morningstar analysts estimate the cryptocurrency market will be worth $7.4 trillion by the end of 2033. That implies 124% upside from the current value of $3.3 trillion, which equates to growth of 9% annually over the next nine years.

鉴于这些变化，晨星分析师估计，到2033年底，加密货币市场的价值将为7.4万亿美元。这意味着与当前价值3.3万亿美元相比，这意味着124％的上涨空间，在接下来的九年中每年增加9％。

I find Morningstar's prediction quite plausible, and I would expect cryptocurrencies with real utility to realize an outsize portion of the gains. XRP satisfies that condition.

我发现Morningstar的预测非常合理，我希望具有真正实用性的加密货币能够实现一部分收益。 XRP满足该条件。

The SWIFT (Society for Worldwide Interbank Financial Telecommunication) network is currently the most popular system for transferring money internationally. But SWIFT typically routes payments through one or more intermediaries, each of which charges fees, which makes transactions costly and time consuming.

Swift（全球银行间财务电信协会）网络目前是国际转让资金的最受欢迎的系统。但是Swift通常会通过一个或多个中介机构将付款路线付款，每种中介机构收取费用，这使交易昂贵且耗时。

The European Central Bank writes:

欧洲中央银行写道：

"While domestic payments are becoming instant and digital, cross-border payments have yet to benefit from the transformative power of digital technologies. Fees for international payments currently average 1.5% for corporates and as much as 6.3% for remittances. And it can take up to several days for these payments to reach their recipient."

“虽然国内付款正在立即和数字付款，但跨境付款尚未从数字技术的变革性中受益。目前，企业的国际付款费用平均为1.5％，汇款的费用高达6.3％。它可能会占用。这些付款几天才能接触他们的接收者。”

Ripple CEO Brad Garlinghouse says the company aspires to move money seamlessly across borders. Indeed, its blockchain facilitates international payments and foreign currency exchanges in seconds by using XRP as a bridge currency.

Ripple首席执行官布拉德·加林豪斯（Brad Garlinghouse）表示，该公司渴望在边界上无缝地赚钱。确实，其区块链通过使用XRP作为桥梁货币来促进国际付款和外币交流。

Fewer than 200 financial institutions have joined the Ripple network, but some industry experts anticipate greater adoption in the coming years. For instance, CEO of Sound Planning Group David Stryzewski recently told Fox Business that XRP may be the highway most financial systems drive on in the future.

不到200个金融机构加入了Ripple网络，但是一些行业专家预计未来几年采用的采用率会更高。例如，声音规划小组首席执行官David Stryzewski最近告诉Fox Business，XRP将来可能是最大的金融系统驱动器。

Similarly, former Goldman Sachs analyst Dom Kwok thinks XRP could soon overtake Ethereum as the second-most valuable cryptocurrency. Importantly, XRP's market value of $166 billion would need to increase 125% to match Ethereum's market value of $374 billion. I see two tailwinds that could make Kwok's prediction a reality:

同样，前高盛分析师Dom Kwok认为XRP很快就会超过以太坊，成为第二个有价值的加密货币。重要的是，XRP的1660亿美元市场价值将需要增加125％，以使以太坊的市场价值3740亿美元。我看到两个可以使Kwok的预测成为现实的后风风。