Ripple（XRP）仍然是百万富翁制造者的加密货币吗？

梦想在金融市场赚取数百万美元。对于许多人来说，加密货币行业帮助将这一愿景变成了现实。 Ripple 网络的原生代币 XRP（加密货币：XRP）是这一独特资产类别的爆炸性潜力的绝佳例子。

Many investors dream of making millions in financial markets. And for some, the cryptocurrency industry has helped turn that vision into a reality. The Ripple network's native token XRP (CRYPTO: XRP) is an excellent example of the explosive potential in this unique asset class.

许多投资者梦想在金融市场上赚到数百万美元。对于一些人来说，加密货币行业帮助将这一愿景变成了现实。 Ripple 网络的原生代币 XRP（加密货币：XRP）是这一独特资产类别的爆炸性潜力的绝佳例子。

If you had bought $10,000 worth of XRP in 2015, your stake would be valued at over $2 million today -- a return of 20,700%. A bet on the S&P 500 would be up just 300% over the same time frame. That said, past performance is no guarantee of future results. Let's dig deeper to see if XRP still boasts millionaire-maker potential in 2025 and beyond.

如果您在 2015 年购买了价值 10,000 美元的 XRP，那么您所持股份如今的价值将超过 200 万美元，回报率为 20,700%。同期对标准普尔 500 指数的押注仅上涨 300%。也就是说，过去的表现并不能保证未来的结果。让我们更深入地了解 XRP 在 2025 年及以后是否仍然具有成为百万富翁的潜力。

A focus on real-world utility

注重现实世界的实用性

Created in 2013, Ripple is a blockchain network designed to tackle large, real-world use cases like international payments. This industry is currently dominated by antiquated systems like the Society for Worldwide Interbank Financial Telecommunication (SWIFT), a money transfer infrastructure created in the 1970s that can take days to process transactions.

Ripple 创建于 2013 年，是一个区块链网络，旨在解决国际支付等大型现实用例。该行业目前由过时的系统主导，例如全球银行间金融电信协会 (SWIFT)，这是 20 世纪 70 年代创建的汇款基础设施，可能需要数天的时间才能处理交易。

Ripple lets users bypass SWIFT by using its native XRP token as a bridge between different currencies. For example, instead of converting U.S. dollars to Mexican Pesos, Ripple could convert the dollars to XRP and then use the XRP to buy pesos, cutting out the middleman. This real-world use case could create fundamental demand for XRP, and the Ripple network has some advantages that could give it a sustainable edge.

Ripple 允许用户使用其原生 XRP 代币作为不同货币之间的桥梁，从而绕过 SWIFT。例如，Ripple 可以将美元兑换成 XRP，然后使用 XRP 购买比索，从而省去中间商，而不是将美元兑换成墨西哥比索。这个现实世界的用例可能会创造对 XRP 的基本需求，而 Ripple 网络具有一些优势，可以赋予其可持续的优势。

Unlike SWIFT, Ripple processes transactions in three to five seconds (the network can handle 1,500 transactions per second). It also boasts a remarkably low fee structure of just 0.00001 XRP per transaction, a tiny fraction of a cent. For comparison, Bitcoin transactions cost around $1.90 and can take from 10 minutes to hours, depending on network traffic.

与 SWIFT 不同，Ripple 在三到五秒内处理交易（网络每秒可以处理 1,500 笔交易）。它还拥有非常低的费用结构，每笔交易仅为 0.00001 XRP，不到一美分。相比之下，比特币交易成本约为 1.90 美元，可能需要 10 分钟到几个小时，具体取决于网络流量。

Growing mainstream acceptance

主流接受度不断提高

In terms of raw performance, Ripple has fallen behind newer, speed-focused blockchain networks like Solana, which can theoretically process a whopping 65,000 transactions per second. That said, investors shouldn't discount the power of Ripple's branding and established reputation.

就原始性能而言，Ripple 落后于 Solana 等更新的、注重速度的区块链网络，Solana 理论上每秒可以处理高达 65,000 笔交易。也就是说，投资者不应低估 Ripple 品牌和声誉的力量。

Platform developer Ripple Labs has already secured partnerships with financial institutions, including Santander Bank and Canadian Imperial Bank of Commerce. The platform's recent regulatory wins could also open the door for more mainstream acceptance.

平台开发商 Ripple Labs 已经与桑坦德银行和加拿大帝国商业银行等金融机构建立了合作伙伴关系。该平台最近在监管方面的胜利也可能为更多主流接受打开大门。

In 2020, the Securities and Exchange Commission (SEC) sued Ripple's developer, Ripple Labs, alleging that it sold XRP as an unregistered security. However, in 2023, the developers won a partial victory after a federal judge ruled that XRP sales to retail investors were not securities. While the SEC has appealed this ruling, Ripple's team is confident of victory, with Ripple Labs Chief Executive Officer Brad Garlinghouse calling the appeal a "rehash of already failed arguments likely to be abandoned by the next administration."

2020年，美国证券交易委员会（SEC）起诉Ripple的开发商Ripple Labs，指控其将XRP作为未注册的证券出售。然而，在 2023 年，联邦法官裁定向散户投资者销售的 XRP 不属于证券后，开发商赢得了部分胜利。尽管美国证券交易委员会已对这一裁决提出上诉，但 Ripple 团队对胜利充满信心，Ripple Labs 首席执行官布拉德·加林豪斯 (Brad Garlinghouse) 称此次上诉是“对已经失败的论点的重演，可能会被下一届政府放弃”。

While this legal back and forth might be offputting to potential investors, over the long term, it may prove healthy for XRP and the cryptocurrency industry as a whole. When these regulatory uncertainties are eventually settled, it could serve as a green light for more institutional investors to get involved in XRP, potentially increasing adoption and promoting price stability.

虽然这种法律上的反复可能会让潜在投资者感到反感，但从长远来看，这对 XRP 和整个加密货币行业来说可能是健康的。当这些监管不确定性最终得到解决时，可能会为更多机构投资者参与 XRP 开绿灯，从而有可能提高采用率并促进价格稳定。

Is Ripple still a millionaire-maker cryptocurrency?

瑞波币仍然是百万富翁制造者的加密货币吗？

Within the volatile and speculative world of crypto investing, XRP looks like a solid bet because of its potential real-world utility and branding as a more sophisticated alternative to big names like Bitcoin and Ethereum. The near-term legal challenges against Ripple Labs could eventually become a positive by giving institutional investors more clarity about how they should interact with XRP and the industry as a whole.

在加密货币投资的波动性和投机性世界中，XRP 看起来是一个可靠的赌注，因为它具有潜在的现实实用性，并且作为比特币和以太坊等大牌的更复杂的替代品。针对 Ripple Labs 的近期法律挑战最终可能会成为积极的一面，让机构投资者更清楚地了解他们应该如何与 XRP 以及整个行业互动。

However, keep in mind that cryptocurrencies are notoriously volatile, and XRP is no exception. XRP prices have risen 26% in the last five days (as of the time of writing). And these types of rapid price fluctuations could undermine the token's ability to serve as a functional bridge currency, which is its main appeal. Although Ripple still looks capable of making more millionaires, potential buyers shouldn't underestimate the downside risk.

然而，请记住，加密货币的波动性是出了名的，XRP 也不例外。 XRP 价格在过去五天内上涨了 26%（截至撰写本文时）。这些类型的快速价格波动可能会削弱代币作为功能性桥梁货币的能力，而这正是其主要吸引力。尽管瑞波币看起来仍有能力创造更多百万富翁，但潜在买家不应低估下行风险。