RLUSD：可以改变全球付款未来的稳定币

这一举动强调了Ripple在全球金融生态系统中的影响力及其对扩大数字资产在跨境交易中的使用的承诺。

Well-known cryptocurrency leader Ripple has launched its US dollar-pegged stablecoin, RLUSD. The coin, which was announced in December 2024, is a testament to Ripple’s growing footprint in the global financial ecosystem and its commitment to expanding the use of digital assets in cross-border transactions.

著名的加密货币领导人Ripple推出了其美元的Stablecoin Rlusd。这枚硬币于2024年12月宣布，证明了Ripple在全球金融生态系统中的不断增长及其致力于扩大数字资产在跨境交易中的承诺。

As the cryptocurrency market faces increasing scrutiny and the need for stability becomes paramount, stablecoins have emerged as a crucial element of the evolving financial landscape. Tether (USDT) and USD Coin (USDC) currently take the lead in the stablecoin space, collectively controlling nearly 90% of the market share. However, Ripple is aiming to make a significant impact with its own offering.

随着加密货币市场面临越来越多的审查，对稳定的需求变得至关重要，Stablecoins已成为不断发展的金融景观的关键因素。 Tether（USDT）和USD Coin（USDC）目前在Stablecoin领域领先，共同控制了市场份额的近90％。但是，Ripple的目标是通过自己的产品产生重大影响。

Why Is Ripple Launching a Stablecoin Now?

为什么Ripple现在要发射稳定币？

The past year has seen a surge in demand for fiat-backed digital assets, particularly those pegged to the US dollar. This demand stems from several key factors. Firstly, the cryptocurrency market has typically been plagued by volatility, which can be a major obstacle for businesses and individuals seeking seamless transactions, especially in a global setting.

在过去的一年中，人们对菲亚票支持的数字资产的需求激增，尤其是那些与美元挂钩的资产。这种需求源于几个关键因素。首先，加密货币市场通常受到波动性的困扰，这可能是寻求无缝交易的企业和个人的主要障碍，尤其是在全球环境中。

In contrast, stablecoins offer the stability of fiat currencies, tying them directly to a traditional currency to ensure they maintain a relatively steady value. This stability is crucial for facilitating international transactions more smoothly and reliably, especially in regions where inflation or political instability make traditional currencies less stable.

相比之下，稳定币提供了法定货币的稳定性，将它们直接与传统货币联系起来，以确保它们保持相对稳定的价值。这种稳定对于更加平稳，可靠地促进国际交易至关重要，尤其是在通货膨胀或政治不稳定的地区，传统货币降低了稳定。

In countries facing hyperinflation, stablecoins offer a reliable alternative that can help protect against devaluation. For example, in countries like Venezuela or Zimbabwe, where inflation rates are astronomical, stablecoins can serve as a better store of value and a practical tool for international trade.

在面临过度通货膨胀的国家中，Stablecoins提供了可靠的替代方案，可以帮助防止贬值。例如，在委内瑞拉或津巴布韦等国家，通货膨胀率是天文学的国家，稳定的稳定率可以作为更好的价值存储和国际贸易的实用工具。

Ripple’s own entry into the stablecoin market comes at a time when the demand for digital assets that are tied to fiat currencies is higher than ever. However, the competition is fierce. Tether (USDT) and USD Coin (USDC) currently dominate the market, controlling nearly 90% of the stablecoin supply. These well-established stablecoins have built up strong reputations and extensive infrastructure, making it difficult for newcomers to challenge their dominance.

Ripple自己进入Stablecoin市场的到来是在与法定货币相关的数字资产的需求比以往任何时候都要高。但是，比赛很激烈。 Tether（USDT）和USD Coin（USDC）目前在市场上占主导地位，控制了近90％的Stablecoin供应。这些良好的稳定者建立了强烈的声誉和广泛的基础设施，使新移民很难挑战他们的统治地位。

Yet, Ripple’s unique position in the market could work in its favor. As a company that already has partnerships with financial institutions and a reputation for facilitating efficient cross-border payments, Ripple is well-placed to introduce RLUSD to a large, receptive audience. The company has already listed RLUSD on several platforms such as Uphold, Bitso, and MoonPay, and it plans to expand further by listing the coin on larger exchanges like Coinbase and Binance.

但是，Ripple在市场上的独特地位可能对其有利。作为一家已经与金融机构建立合作伙伴关系并促进高效跨境支付的公司，Ripple可以很好地将RLUSD介绍给大量的接受受众。该公司已经在诸如usthold，bitso和moonpay等多个平台上列出了RLUSD，并计划通过在Coinbase和Binance等较大的交易所上列出硬币来进一步扩展。

The real test for RLUSD will be its ability to gain widespread adoption. While it may face competition from USDT and USDC, Ripple’s strong reputation in the crypto and financial sectors could give RLUSD the edge it needs to carve out its niche. Furthermore, the increasing focus on cross-border payments, remittances, and the use of stablecoins as a hedge against inflation could fuel RLUSD’s growth in the coming years.

RLUSD的真正测试将是其获得广泛采用的能力。尽管它可能面临USDT和USDC的竞争，但Ripple在加密货币和金融领域的良好声誉可能会使Rlusd占据其利基市场所需的优势。此外，对跨境支付，汇款和使用稳定的货币作为抵抗通货膨胀的对冲的关注越来越多，可能会在未来几年推动RLUSD的增长。

What Sets Apart RLUSD?

是什么设置了Rlusd？

At the beginning of the year, rumors swirled about the possibility of Ripple pivoting towards developing its own stablecoin. This speculation arose following reports of several major crypto institutions cutting ties with Tether's USDT due to regulatory concerns.

在今年年初，谣言旋转了有关开发自己的Stablecoin旋转的可能性。由于有监管问题而导致了几个主要的加密机构与Tether的USDT切断联系的报道，因此出现了这种猜测。

Now, as rumors turn into reality, the launch of RLUSD signifies a natural progression for Ripple to expand its offerings and cater to the evolving needs of the global financial landscape.

现在，随着谣言变为现实，RLUSD的推出表示波格尔扩大其产品并满足全球金融环境不断发展的需求的自然发展。

Highlighting the integration potential of RLUSD, the company claims that the stablecoin will work "seamlessly" alongside XRP, further cementing the interoperability between the two digital assets. This could encourage businesses and financial institutions to adopt both assets as part of their digital currency strategy, making Ripple's ecosystem more attractive to a broader audience.

该公司强调了RLUSD的整合潜力，声称该稳定的人将与XRP一起“无缝”，进一步巩固了两个数字资产之间的互操作性。这可以鼓励企业和金融机构采用这两种资产作为其数字货币战略的一部分，从而使Ripple的生态系统对更广泛的受众更具吸引力。

"We view this as a natural extension of Ripple’s leadership in blockchain-based payment solutions. Optimized for stability and global reach, RLUSD expands the possibilities for faster, more reliable cross-border transactions.

“我们认为这是波纹在基于区块链的支付解决方案中领导力的自然扩展。针对稳定性和全球影响力进行了优化，RLUSD扩大了更快，更可靠的跨境交易的可能性。

Together with XRP, RLUSD provides businesses and institutions with greater choice and flexibility to build innovative solutions on the Ripple blockchain. This initiative aligns with our broader strategy to foster an open and inclusive financial system powered by blockchain technology," said Greg Gerven, Chief Strategy Officer at Ripple.

RLUSD与XRP一起，为企业和机构提供了更大的选择和灵活性，以在波纹区块链上构建创新的解决方案。该计划与我们更广泛的战略相吻合，以促进由区块链技术提供支持的开放和包容性金融体系。” Ripple首席战略官Greg Gerven说。

The launch of RLUSD comes at a time when there is growing interest in stablecoins as a way to facilitate cross-border payments and remittances. Several financial institutions are experimenting with blockchain technology to improve the speed and efficiency of international money transfers.

RLUSD的推出是在对Stablecoins越来越兴趣的时候，以促进跨境支付和汇款。几家金融机构正在尝试区块链技术，以提高国际汇款的速度和效率。

"As the world becomes increasingly interconnected, the need for efficient and reliable cross-border payment solutions is more urgent than ever. Existing financial systems can be slow, expensive, and opaque, posing significant challenges to businesses operating globally. Stablecoins, in particular, offer a promising avenue for innovation in this domain.

“随着世界变得越来越互连，对高效和可靠的跨境支付解决方案的需求比以往任何时候都更加紧迫。现有的金融系统可能是缓慢，昂贵且不透明的，对全球运营的企业构成了重大挑战。特别是，稳定的企业为该领域的创新提供了有希望的途径。

Several financial institutions are exploring the potential of stablecoins to streamline cross-border transactions and provide new financial products and services. For instance, banks are piloting blockchain-based platforms for international payments, leveraging stablecoins to maintain the stability of fiat

几家金融机构正在探索Stablecoins的潜力，即简化跨境交易并提供新的金融产品和服务。例如，银行正在试用基于区块链的平台进行国际付款，利用Stablecoins维持菲亚特的稳定性