XRP的目标市场（XRP 4.48％）是金融业

XRP的目标市场（XRP 4.48％）是金融业。鉴于连锁店的重点是提供几乎免费的交易，这是有道理的

The target market for XRP (XRP 4.48%) is the financial industry. That makes sense, given that the chain's focus is on providing nearly free transactions which close roughly as fast as swiping a credit card. But banks and other financial institutions aren't the only organizations that stand to benefit from those capabilities.

XRP的目标市场（XRP 4.48％）是金融业。鉴于连锁店的重点是提供几乎免费的交易，这与刷信用卡一样快，这是有道理的。但是，银行和其他金融机构并不是唯一可以从这些能力中受益的组织。

In fact, there's another category of potential users of XRP that could demand so much of the coin that its price rises for years on end, potentially surpassing $3, assuming they actually hear about it and decide to use it. So does this possibility make the coin a buy, or is the opportunity too uncertain to confidently invest on?

实际上，XRP的另一种潜在用户可能需要大部分硬币，以至于其价格连续数年上涨，可能超过3美元，假设他们实际上听到了它并决定使用它。那么，这种可能性是否会使硬币成为买入，还是有机不确定无法自信地进行投资？

>People tend to migrate toward sources of economic opportunity. Often, this leads people to cross international borders. Then, once those people have an income, they very often send some of their money to family in their home country in a transfer called a remittance.

>人们倾向于向经济机会的来源迁移。通常，这会导致人们跨越国际边界。然后，一旦这些人有收入，他们经常以称为汇款的转会将自己的一些钱寄给家乡的家人。

In 2023, per the U.S. Federal Reserve, about $818 billion worth of remittances were sent. That sum is expected to grow consistently in the coming years, and it may increase by as much as 2.8% in 2025. Only about half of remittance transfers are thought to be recorded in formal channels, so the true growth rate may be even higher, as well as the true total sum of the transfers.

2023年，根据美国美联储，汇款约为8180亿美元。预计这一款项将在未来几年内持续增长，并且在2025年可能会增加2.8％。只有大约一半的汇款转移被认为是在正式渠道中记录的，因此真正的增长率可能更高，以及转移者的真实总和。

People sending remittances encounter some troublesome issues with regularity. Between transfer costs and currency exchange fees, international money transfers can in some cases incur fees as much as 20% of the amount being sent. Furthermore, such transfers can take as long as five business days to close, which is a long time for hard-earned cash to be out of pocket from the standpoint of both migrants and their family members awaiting their money.

发送汇款的人们遇到一些有规律的问题。在转移成本和货币兑换费用之间，国际货币转移在某些情况下可能会产生多达寄出金额的20％。此外，这些转移可能需要五个工作日才能结束，这是从移民和他们的家人等待他们的钱的角度来看，辛辛苦苦赚来的现金是长时间的。

For reference, as of 2024, remittances transferred out from the U.S. using any fintech service totaled nearly $30 billion. Therefore, there is an opportunity for XRP to capture some of this colossal transfer volume, both from the U.S. to elsewhere, and also between people and their families in other countries. Given that the coin's 24-hour trading volume was less than $6 billion as of the morning of March 13, capturing even a sliver of the daily remittance volume would represent a gargantuan increase in demand for the coin or perhaps for a stablecoin hosted on its chain.

作为参考，截至2024年，使用任何金融科技服务总计300亿美元从美国转移了汇款。因此，XRP有机会捕获从美国到其他地方以及其他国家的人与家人之间的一些巨大转移量。鉴于截至3月13日上午，硬币的24小时交易量不到60亿美元，即使捕获每日汇款量的一部分，也代表了对硬币的需求或对链条上的稳定币的需求增加。

But does this possibility make XRP worth buying on its own?

但是，这种可能性是否使XRP值得自己购买？

Despite XRP being very suitable for processing remittances, marketing efforts for that purpose are only just getting started. Ripple (NYSE:RVLX), the company that issues XRP, is forging connections with financial institutions in the Philippines, Mexico, and India, which are all major remittance-recipient countries. But there isn't any data on how much volume those partnerships actually generate for the chain.

尽管XRP非常适合处理汇款，但为此目的的营销工作才刚刚开始。发行XRP的公司Ripple（NYSE：RVLX）正在与菲律宾，墨西哥和印度的金融机构建立联系，这些机构都是主要的汇款领域国家。但是，没有关于这些伙伴关系实际生成的链条的数量的数据。

Therefore, it is highly probable that the rate of people being onboarded into using it for remittances is still on the low side compared to what is possible. So it wouldn't make sense to buy the coin just to try and capture upside from growth in the volume of global remissions, at least not yet. Nor would it make much sense to invest on the basis of XRP onboarding people who want to make remissions today.

因此，与可能的可能性相比，很有可能被登机使用它来汇款的速度仍然处于低调。因此，购买硬币只是为了尝试从全球恢复量的增长中捕获上升空间，至少还没有。在XRP上投入投资的人投资也不是很有意义的。

Nonetheless, this is a trend that's worth paying close attention to. If the pace of adoption picks up, as backed by financial information released by Ripple or the launch of major new initiatives, it could well be a driver of higher prices for the coin, and it could make surpassing the $3 mark likely (it recently traded for about $2.35). For now, just keep an eye out for any news on this topic from Ripple; if there's a chance of a big win for the chain over time, you'll hear about it.

尽管如此，这是值得关注的趋势。如果收养的步伐得到了加快的速度，那么在Ripple发布的财务信息或发起重大新计划的支持下，它很可能是硬币价格较高的驱动力，并且它可能会超过3美元的可能性（最近交易的价格约为2.35美元）。就目前而言，请注意Ripple的任何有关此主题的新闻；如果随着时间的流逝，连锁店有很大的胜利，您会听到它。