RLUSD：Ripple 通往稳定币市场的门户

Ripple 的美元支持稳定币 RLUSD 将于 12 月 4 日在纽约正式首次亮相。据报道，纽约金融服务部 (NYDFS) 已准备好批准该新产品。

Ripple's dollar-backed stablecoin, RLUSD, is set to launch in New York on December 4, with the New York Department of Financial Services (NYDFS) poised to approve the new product. This will allow Ripple to enter the highly regulated New York finance market with its core business, which is built around RippleNet and enables faster, cheaper international payments through blockchain technology. With RLUSD, Ripple aims to expand its reach by offering businesses a less risky way to use the blockchain for financial transactions.

Ripple 的美元支持稳定币 RLUSD 将于 12 月 4 日在纽约推出，纽约金融服务部 (NYDFS) 准备批准该新产品。这将使 Ripple 能够以其核心业务进入高度监管的纽约金融市场，该业务是围绕 RippleNet 构建的，并通过区块链技术实现更快、更便宜的国际支付。 Ripple 旨在通过 RLUSD 为企业提供一种风险较小的使用区块链进行金融交易的方式来扩大其影响力。

XRP's legal headache and Trump's crypto promises

XRP 的法律难题和特朗普的加密货币承诺

Ripple has been at the center of one of the most closely watched regulatory battles in crypto history. Since 2020, the company has faced a lawsuit from the SEC over allegations that XRP, its native cryptocurrency, is an unregistered security. The lawsuit sent XRP into a tailspin, with its price plummeting by over 50% and wiping $16 billion from its market cap. For years, XRP struggled to recover, with its value staying below $1 and Ripple's fight with the SEC remaining a major obstacle, dragging on for four years.

瑞波币一直处于加密货币历史上最受关注的监管斗争之一的中心。自 2020 年以来，该公司面临 SEC 的诉讼，指控其原生加密货币 XRP 是一种未注册的证券。该诉讼使 XRP 陷入混乱，其价格暴跌超过 50%，市值蒸发 160 亿美元。多年来，XRP 一直在努力复苏，其价值一直低于 1 美元，而 Ripple 与 SEC 的斗争仍然是一个主要障碍，拖延了四年。

However, things changed after Donald Trump's re-election victory earlier this month. Trump's campaign promises to make the U.S. the “crypto capital of the planet” have reignited optimism in the crypto community. XRP saw a massive price jump following Trump's win, soaring to $1.70 and climbing back into the top five cryptocurrencies by market cap, now valued at over $99 billion.

然而，本月早些时候唐纳德·特朗普赢得连任后，情况发生了变化。特朗普的竞选承诺使美国成为“地球的加密货币之都”，这重新点燃了加密社区的乐观情绪。特朗普获胜后，XRP 价格大幅上涨，飙升至 1.70 美元，并重新跻身加密货币市值前五名，目前估值超过 990 亿美元。

The change in political leadership will also ease Ripple's legal troubles. Many expect Trump's administration to take a more favorable stance toward crypto. Trump's team may even appoint a former Commodity Futures Trading Commission (CFTC) chair to oversee the regulatory overhaul, potentially dropping the SEC's case against Ripple altogether.

政治领导层的更迭也将缓解 Ripple 的法律麻烦。许多人预计特朗普政府会对加密货币采取更有利的立场。特朗普的团队甚至可能任命一位前商品期货交易委员会（CFTC）主席来监督监管改革，从而有可能完全放弃 SEC 对 Ripple 的指控。

RLUSD: Ripple's gateway to the stablecoin market

RLUSD：瑞波币进入稳定币市场的门户

The global stablecoin market is currently valued at $190 billion and growing fast. Unlike cryptocurrencies like XRP or Bitcoin, stablecoins are pegged to real-world assets, making them less volatile. They are used for everything from remittances to cross-border payments to everyday transactions, particularly in regions where traditional banking systems are slow or expensive.

全球稳定币市场目前价值 1900 亿美元，并且正在快速增长。与 XRP 或比特币等加密货币不同，稳定币与现实世界的资产挂钩，从而降低了波动性。它们用于从汇款到跨境支付再到日常交易的各种用途，特别是在传统银行系统速度缓慢或昂贵的地区。

RLUSD will directly compete with U.S.-issued stablecoins like Circle's USDC, Paxos' PAX, and Gemini's GUSD. These players are already established in New York, holding licenses from NYDFS. Ripple is expected to secure a trust charter, allowing it to offer RLUSD while meeting NYDFS's stringent standards for transparency, security, and consumer protection.

RLUSD 将直接与美国发行的稳定币竞争，例如 Circle 的 USDC、Paxos 的 PAX 和 Gemini 的 GUSD。这些参与者已经在纽约成立，并持有 NYDFS 的许可证。 Ripple 预计将获得信托章程，使其能够提供 RLUSD，同时满足 NYDFS 在透明度、安全性和消费者保护方面的严格标准。

This trust charter is a big deal. It offers companies like Ripple the ability to operate without the complexities of a full banking license while still providing regulated financial services. NYDFS has been a gatekeeper for crypto firms wanting to operate in New York, issuing licenses only to firms that meet its strict criteria.

这份信托章程意义重大。它为像 Ripple 这样的公司提供了无需复杂的完整银行牌照即可运营的能力，同时仍提供受监管的金融服务。 NYDFS 一直是希望在纽约运营的加密货币公司的看门人，只向符合其严格标准的公司发放许可证。