Ripple (XRP) 获得 NYDFS 批准 RLUSD 稳定币，目标到 2028 年市值达到 2 万亿美元

Ripple Labs 其备受期待的 RLUSD 稳定币已获得纽约金融服务部 (NYDFS) 的监管批准，这对于这家区块链公司来说是一个里程碑，因为它加强了在竞争激烈的稳定币市场的地位。

Ripple Labs has secured regulatory approval from the New York Department of Financial Services (NYDFS) for its highly anticipated RLUSD stablecoin, marking a milestone for the blockchain company as it strengthens its hold in the competitive stablecoin market.

Ripple Labs 其备受期待的 RLUSD 稳定币已获得纽约金融服务部 (NYDFS) 的监管批准，这对于这家区块链公司来说是一个里程碑，因为它加强了在竞争激烈的稳定币市场的地位。

Fresh stablecoins are constantly being launched, along with traditional cryptos that are more volatile in nature. When crypto enthusiasts explore the latest coin launches on Coinbase, they’ll be able to spot all new listings, like RLUSD and other stablecoins, as they launch.

不断推出新的稳定币以及本质上更不稳定的传统加密货币。当加密货币爱好者探索 Coinbase 上最新发布的代币时，他们将能够在发布时发现所有新上市的代币，例如 RLUSD 和其他稳定币。

The news was announced by Ripple’s CEO, Brad Garlinghouse, on December 10, following months of scrutiny by the NYDFS.

经过 NYDFS 几个月的审查后，Ripple 首席执行官 Brad Garlinghouse 于 12 月 10 日宣布了这一消息。

Ripple is now preparing to roll out RLUSD on major cryptocurrency exchanges, with partnerships and infrastructure already in place to aid with the launch.

Ripple 目前正准备在主要加密货币交易所推出 RLUSD，合作伙伴关系和基础设施已经到位，以协助推出。

RLUSD, pegged 1:1 to the US dollar, is designed to compete with established stablecoins like Tether (USDT) and Circle’s USD Coin (USDC). Backed by USD deposits, short-term US Treasury bonds, and other cash-equivalent reserves, RLUSD wants to provide a secure, scalable, and efficient solution for international payments.

RLUSD 与美元 1:1 挂钩，旨在与 Tether (USDT) 和 Circle 的美元硬币 (USDC) 等成熟稳定币竞争。在美元存款、短期美国国债和其他现金等价储备的支持下，RLUSD 希望为国际支付提供安全、可扩展且高效的解决方案。

Ripple executives have high expectations for the stablecoin, predicting a market capitalization of $2 trillion by 2028.

Ripple 高管对这种稳定币抱有很高的期望，预计到 2028 年市值将达到 2 万亿美元。

The road to NYDFS approval began when the stablecoin was initially announced in April 2024. Ripple’s vision was to position RLUSD as a transformative coin in traditional finance and decentralized finance systems.

NYDFS 的批准之路始于 2024 年 4 月首次宣布稳定币。Ripple 的愿​​景是将 RLUSD 定位为传统金融和去中心化金融系统中的变革性货币。

Testing for RLUSD began in August on the XRP Ledger and Ethereum mainnets.

RLUSD 测试于 8 月开始在 XRP Ledger 和以太坊主网上进行。

By October, Ripple announced partnerships with several prominent exchanges, including Uphold, Bitso, MoonPay, Bitstamp, CoinMENA, Independent Reserve, and Bullish. These collaborations will ensure RLUSD’s smooth integration and liquidity support from market makers like Keyrock and B2C2.

到 10 月，Ripple 宣布与多家知名交易所建立合作伙伴关系，包括 Uphold、Bitso、MoonPay、Bitstamp、CoinMENA、Independent Reserve 和 Bullish。这些合作将确保 RLUSD 的顺利整合以及来自 Keyrock 和 B2C2 等做市商的流动性支持。

Ripple is committed to adhering to industry standards, which is evident in their fight for NYDFS approval, especially in a market where compliance is a critical differentiator from competitors.

Ripple 致力于遵守行业标准，这一点在他们争取 NYDFS 批准的斗争中显而易见，特别是在合规性是与竞争对手的关键区别的市场中。

This regulatory greenlight also improves Ripple’s reputation as a trusted blockchain company, which will pave the way for US financial institutions to integrate RLUSD into their operations.

这一监管绿灯还提高了 Ripple 作为值得信赖的区块链公司的声誉，这将为美国金融机构将 RLUSD 整合到其运营中铺平道路。

Garlinghouse emphasized this point, stating that the stablecoin’s approval is not only a win for Ripple but also an opportunity to offer secure and scalable cross-border payment solutions to institutional clients.

Garlinghouse强调了这一点，表示稳定币的批准不仅是Ripple的胜利，也是为机构客户提供安全、可扩展的跨境支付解决方案的机会。

Ripple’s stablecoin is going to address several challenges in the global payment landscape. By using blockchain technology, RLUSD promises faster transaction speeds and reduced costs compared to traditional payment networks.

Ripple 的稳定币将解决全球支付领域的多项挑战。通过使用区块链技术，与传统支付网络相比，RLUSD 承诺更快的交易速度并降低成本。

This stablecoin is expected to play an important role in tokenizing real-world assets, a growing trend in traditional and decentralized finance.

这种稳定币预计将在现实世界资产代币化方面发挥重要作用，这是传统和去中心化金融的增长趋势。

The stablecoin market is currently valued at approximately $200 billion, with Tether and USD Coin dominating the sector. However, Ripple is optimistic about RLUSD’s potential to get a significant share of the market, especially among institutional players.

目前稳定币市场估值约为 2000 亿美元，其中 Tether 和 USD Coin 占据主导地位。然而，Ripple 对 RLUSD 获得重要市场份额的潜力持乐观态度，尤其是在机构参与者中。

The company’s focus on regulatory compliance and strategic partnerships early on sets RLUSD apart from top competitors, and it might just reach its projected market cap of $.28 trillion.

该公司早期对监管合规性和战略合作伙伴关系的关注使 RLUSD 从顶级竞争对手中脱颖而出，并且它可能刚刚达到 0.28 万亿美元的预计市值。

Ripple is preparing for RLUSD’s launch but the company is also engaged in other high-profile activities. Garlinghouse recently appeared on a 60 Minutes segment to discuss the role of cryptocurrencies in shaping the 2024 US Elections.

Ripple 正在为 RLUSD 的推出做准备，但该公司还从事其他备受瞩目的活动。 Garlinghouse 最近出现在 60 分钟节目中，讨论加密货币在影响 2024 年美国大选中的作用。

Ripple is also continuing its battle with the US Securities and Exchange Commission (SEC) over the classification of XRP tokens. Despite these challenges, the company’s progress with RLUSD shows how determined it is to expand in the cryptocurrency space.

Ripple 还继续与美国证券交易委员会 (SEC) 就 XRP 代币的分类展开斗争。尽管面临这些挑战，该公司在 RLUSD 方面取得的进展表明了其在加密货币领域扩张的决心。

The stablecoin is going to be introduced on the major blockchain networks Ethereum and XRP Ledger. However, there are also hints that RLUSD may expand to the Tron blockchain, a possibility suggested by Justin Sun, Founder of Tron.

该稳定币将在主要区块链网络以太坊和 XRP Ledger 上推出。然而，也有迹象表明 RLUSD 可能会扩展到 Tron 区块链，这是 Tron 创始人孙宇晨提出的可能性。

This strategy that spans several networks is going to increase RLUSD’s accessibility, and therefore its adoption, which will increase its potential as a versatile financial tool.

这种跨越多个网络的策略将提高 RLUSD 的可访问性，从而提高其采用率，这将增加其作为多功能金融工具的潜力。

Thanks to Ripple’s partnerships, RLUSD will be available globally thorough several platforms and exchanges once it launches. This international availability matches Ripple’s goal to create borderless digital assets that facilitate transitions between fiat and cryptocurrencies.

得益于 Ripple 的合作伙伴关系，RLUSD 推出后将通过多个平台和交易所在全球范围内提供。这种国际可用性符合 Ripple 的目标，即创建无边界数字资产，促进法定货币和加密货币之间的转换。

RLUSD’s liquidity will likely be bolstered by market makers who are expected to drive adoption through competitive pricing and trading volumes.

RLUSD 的流动性可能会得到做市商的支持，预计他们将通过有竞争力的定价和交易量来推动采用。

The stablecoin ecosystem has become very competitive, with new entrants like Ethena’s USDe and PayPal’s PYUSD introducing innovative features to gain market share. For example, Ethena has attracted attention with a 27% annual percentage yield on its stablecoin.

稳定币生态系统的竞争已经变得非常激烈，Ethena 的 USDe 和 PayPal 的 PYUSD 等新进入者引入了创新功能来获得市场份额。例如，Ethena 以其稳定币 27% 的年收益率而引起关注。

Ripple’s RLUSD will have to differentiate itself from this market through institutional focus, regulatory compliance, and industry backing.

Ripple 的 RLUSD 必须通过机构关注、监管合规性和行业支持来从这个市场中脱颖而出。

Ripple has already minted more than 13 million units of RLUSD following NYDFS approval,

在 NYDFS 批准后，Ripple 已经铸造了超过 1300 万单位的 RLUSD，