Ripple推出美元支持的稳定币，准备挑战加密货币规范

加密货币初创公司 Ripple 通过推出与美元挂钩的数字货币进入稳定币市场。该稳定币由公司持有的美元存款、美国政府债券和现金等价物等资产进行一比一的支持。将提供储备金的月度鉴证报告，但审计师尚未披露。 Ripple 的稳定币旨在在市场波动期间提供稳定性，解决监管问题，并补充其 XRP 生态系统和按需流动性产品。尽管在 XRP 的采用方面面临挑战以及与 SEC 的持续法律斗争，Ripple 仍然对其未来以及稳定币在加密货币行业中的作用持乐观态度。

Ripple Unveils USD-Backed Stablecoin, Envisioning a Competitive and Compliant Cryptosphere

Ripple 推出美元支持的稳定币，展望一个有竞争力且合规的加密圈

In a bold move that solidifies its foray into the realm of stablecoins, Ripple, a leading player in the digital asset realm, has launched a digital currency firmly anchored to the U.S. dollar's value. This move positions Ripple as a formidable competitor in a market dominated by stablecoin giants like Tether and USDC, as well as PayPal's dollar-pegged stablecoin.

数字资产领域的领先企业 Ripple 推出了一种与美元价值牢固锚定的数字货币，此举巩固了其进军稳定币领域的大胆举措。此举使 Ripple 在由 Tether 和 USDC 等稳定币巨头以及 PayPal 的美元挂钩稳定币主导的市场中成为强大的竞争对手。

Ripple's stablecoin guarantees a 1-to-1 backing by assets such as U.S. dollar deposits, U.S. government bonds, and cash equivalents held in reserve by the company. To enhance transparency and accountability, Ripple intends to provide monthly attestation reports detailing the composition of its reserves. The company has yet to disclose the firm responsible for auditing these reports.

Ripple的稳定币由公司持有的美元存款、美国政府债券和现金等价物等资产提供1比1的支持。为了提高透明度和问责制，Ripple 打算提供每月的证明报告，详细说明其储备的构成。该公司尚未透露负责审计这些报告的公司。

Brad Garlinghouse, CEO of Ripple, attributed the decision to launch a stablecoin to the market instability triggered by the depegging episodes experienced by Tether's USDT and Circle's USDC. Garlinghouse highlighted the uncertainty surrounding the regulatory status of Tether in the U.S., contrasting it with Ripple's proven compliance record in multiple jurisdictions.

Ripple 首席执行官 Brad Garlinghouse 将推出稳定币的决定归因于 Tether 的 USDT 和 Circle 的 USDC 经历的脱钩事件引发的市场不稳定。 Garlinghouse 强调了 Tether 在美国监管状况的不确定性，并将其与 Ripple 在多个司法管辖区经过验证的合规记录进行了对比。

Despite Tether's commanding market capitalization in the stablecoin space, doubts linger over the transparency of its reserves and its resilience during financial downturns. Ripple's stablecoin seeks to address these concerns by offering a more transparent and robust alternative for market participants.

尽管 Tether 在稳定币领域的市值占据主导地位，但人们对其储备的透明度及其在金融低迷时期的恢复能力仍存有疑虑。 Ripple 的稳定币旨在通过为市场参与者提供更透明、更强大的替代方案来解决这些担忧。

Beyond its standalone significance, Ripple's stablecoin will also seamlessly integrate with the company's On-Demand Liquidity product, which facilitates speedy transactions between banks and financial institutions. Garlinghouse emphasized that Ripple remains committed to its XRP token for cross-border payments, despite facing challenges in persuading banks and payment firms to adopt it. He envisions stablecoins as a complementary asset within the XRP ecosystem, bolstering liquidity and presenting growth opportunities.

除了其独立的意义之外，Ripple 的稳定币还将与该公司的按需流动性产品无缝集成，从而促进银行和金融机构之间的快速交易。 Garlinghouse 强调，尽管在说服银行和支付公司采用 XRP 代币方面面临挑战，但 Ripple 仍然致力于使用 XRP 代币进行跨境支付。他将稳定币视为 XRP 生态系统中的补充资产，增强流动性并提供增长机会。

However, Ripple's ambitions are not without legal hurdles. The U.S. Securities and Exchange Commission (SEC) initiated a lawsuit against the company in 2020, alleging that the sale of XRP to investors constituted an illegal offering of securities. A recent court ruling clarified that XRP does not inherently qualify as a security, yet certain sales to institutions ought to have been registered as securities transactions.

然而，Ripple 的野心并非没有法律障碍。美国证券交易委员会（SEC）于2020年对该公司发起诉讼，指控向投资者出售XRP构成非法证券发行。最近的一项法院裁决澄清，XRP 本身并不符合证券的资格，但向机构进行的某些销售应登记为证券交易。

Garlinghouse believes the SEC's $2 billion penalty demand is excessive, anticipating a final settlement in the "millions" rather than billions of dollars. Despite the ongoing legal battle, Garlinghouse exudes optimism about Ripple's future and its ability to navigate the regulatory landscape.

加林豪斯认为 SEC 的 20 亿美元罚款要求过高，预计最终和解金额为“数百万美元”而不是数十亿美元。尽管法律斗争仍在继续，加林豪斯对 Ripple 的未来及其应对监管环境的能力仍表现出乐观态度。

Ripple's entry into the stablecoin market signifies a significant milestone for the company and the broader cryptocurrency industry. With plans to leverage the stablecoin within its existing product suite, Ripple aims to cement its market position and appease regulatory concerns. While formidable competition from established players like Tether and scrutiny from the SEC loom over the horizon, Ripple remains resolute in its mission to expand its offerings and cultivate the growth of the XRP ecosystem. The outcome of the SEC lawsuit and the market's reception to the stablecoin will undoubtedly shape Ripple's trajectory in the ever-evolving world of digital assets.

Ripple 进入稳定币市场对于该公司和更广泛的加密货币行业来说是一个重要的里程碑。 Ripple 计划在其现有产品套件中利用稳定币，旨在巩固其市场地位并安抚监管担忧。尽管来自 Tether 等老牌企业的激烈竞争以及美国证券交易委员会 (SEC) 的审查即将到来，但 Ripple 仍然坚定地履行其扩大产品和促进 XRP 生态系统发展的使命。 SEC 诉讼的结果以及市场对稳定币的接受无疑将塑造 Ripple 在不断发展的数字资产世界中的发展轨迹。