什么是XRP？ Ripple的本地加密货币指南

Ripple是一个全球网络，旨在促进各种企业，个人甚至金融机构的低成本，超快，无边界交易。

"What Is Ripple (XRP) Cryptocurrency and How Does It Work? - Web3 News"

“什么是Ripple（XRP）加密货币，它如何工作？ - Web3新闻”

Cryptoassets are a highly volatile ungregulated investment class.

加密集团是一个高度波动的不受管制的投资类别。

Ripple is a global network that’s aiming to facilitate low-cost, ultra-fast, borderless transactions for a range of businesses, individuals, and even financial institutions. The ecosystem is built around the network’s native asset, which is called XRP and acts as a crucial bridge currency for the transfers of value from fiat currencies or other crypto networks.

Ripple是一个全球网络，旨在促进各种企业，个人甚至金融机构的低成本，超快，无边界交易。生态系统围绕网络的本机资产构建，该资产称为XRP，是从法定货币或其他加密网络转移价值的至关重要的桥梁货币。

Originally called 'Ripple Labs Inc.,' the company leverages a unique consensus mechanism in its blockchain to validate transactions with blinding speed. This negates the need for centralized intermediaries, drastically cuts transaction fees, and makes settlement in real-time possible. In short, Ripple hopes to revolutionize how money moves through financial networks. Let’s get into the details.

该公司最初称为“ Ripple Labs Inc.”，该公司利用其区块链中的独特共识机制以盲目的速度验证交易。这否定了对集中式中介机构的需求，大幅度削减了交易费用，并实时解决。简而言之，Ripple希望彻底改变金钱如何通过金融网络移动。让我们了解细节。

What Is Ripple?

什么是波纹？

Good question. Technically speaking, the company is called Ripple Labs, the network is named RippleNet and the cryptocurrency is simply called XRP.

好问题。从技术上讲，该公司称为Ripple Labs，该网络被命名为Ripplenet，而加密货币则被称为XRP。

Founded in San Francisco in 2011 by Jeb McCaleb, the company's goal was to create an alternative to the slow and often costly wire transfers used for international transactions.

该公司的目标是由杰布·麦卡莱布（Jeb McCaleb）于2011年在旧金山成立，是为国际交易所使用的缓慢且经常昂贵的电汇而创建一种替代方案。

At the time, these services could take several days to complete and were subject to large fees and complicated processes. But with the dawn of blockchain technology, McCaleb saw an opportunity to revolutionize cross-border payments with a nearly instant, low-cost and highly efficient service.

当时，这些服务可能需要几天的时间才能完成，并需要大量费用和复杂的流程。但是，随着区块链技术的曙光，麦卡莱布看到了一个机会，以几乎即时，低成本和高效的服务来彻底改变跨境支付。

The network is able to connect traditional finance network infrastructures with newer blockchain technology, which is specifically programmed for real-time transaction settlement and liquidity management.

该网络能够将传统的金融网络基础架构与较新的区块链技术联系起来，该技术专门用于实时交易结算和流动性管理。

Instead of depending on a ‘proof-of-work’ model, like Bitcoin (BTC), or a ‘proof-of-stake’ model, like Ethereum (ETH), Ripple uses a unique consensus protocol that leverages independent validators for transaction confirmation. This specific consensus mechanism allows for a high transaction throughput rate and substantially lower fees than many other networks, which offers huge benefits for firms like banks and remittance service providers.

Ripple不依赖于比特币（BTC）或诸如以太坊（ETH）之类的“ BTC（BTC）”模型的“工作证明”模型，而是使用独特的共识协议，该协议利用独立验证器进行交易确认。这种特定的共识机制允许与许多其他网络相比，该机制具有很高的交易吞吐率和大幅低的费用，这为银行和汇款服务提供商等公司提供了巨大好处。

What Is XRP?

什么是XRP？

XRP is the native token of the Ripple network and is designed to serve mainly as a bridge asset. It wasn't mined like Bitcoin or Ethereum; rather, all one hundred billion tokens were created from the outset.

XRP是Ripple网络的本地令牌，旨在主要用作桥梁资产。它不是像比特币或以太坊那样开采的；相反，从一开始就创建了所有十亿代币。

Using XRP on the Ripple network, institutions can transfer different currencies, convert them into XRP and settle those funds in another currency, all within seconds. On top of that, XRP’s specialized verification process uses independent validations, giving it far more agility than other cryptocurrencies.

机构在波纹网络上使用XRP可以转让不同的货币，将其转换为XRP，并以另一种货币解决这些资金，均在几秒钟内。最重要的是，XRP的专门验证过程使用独立的验证，使其比其他加密货币更具敏捷性。

How Does Ripple Work?

涟漪如何工作？

Operating as a payment protocol, Ripple enables rapid, low-cost transactions across its network. This design eliminates the need for energy-intensive block creation and allows for high throughput with minimal fees.

Ripple作为付款协议运行，可以在其网络上进行快速，低成本的交易。这种设计消除了对能源密集型块的创造的需求，并允许以最少的费用获得高通量。

Furthermore, it facilitates the seamless exchange of various fiat currencies and cryptocurrencies. With the elimination of various intermediaries, Ripple significantly reduces friction and value loss in the cross-border payments industry. The Ripple network supports multiple fiat currencies, cryptocurrencies and tokens while keeping a very user-friendly experience overall.

此外，它促进了各种法定货币和加密货币的无缝交换。随着各种中介机构的消除，波纹大大减少了跨境支付行业的摩擦和价值损失。 Ripple网络支持多种法定货币，加密货币和令牌，同时保持非常友好的体验。

Advantages and Disadvantages of the XRP Cryptocurrency

XRP加密货币的优点和缺点

Advantages of Ripple

波纹的优势

Disadvantages of Ripple

波纹的缺点

The SEC vs Ripple

SEC VS波纹

One of the biggest perceived risks with XRP has been the ongoing conflict between Ripple and the US Securities and Exchange Commission.

XRP最大的风险之一是Ripple与美国证券交易委员会之间的持续冲突。

In 2020, the SEC filed a lawsuit alleging that Ripple Labs had violated investor protection laws by selling XRP to investors. However, Ripple Labs has consistently claimed that they never sold any unregistered securities and that the SEC is overstepping its authority.

2020年，美国证券交易委员会（SEC）提起诉讼，指控波纹实验室通过向投资者出售XRP违反了投资者保护法。但是，Ripple Labs一直声称他们从未出售过任何未注册的证券，而SEC则超越了其权力。

Specifically, the SEC claims that Ripple Labs sold large amounts of XRP through a series of private placements, which should have been registered with the agency. The SEC also alleges that Ripple Labs engaged in a “series of fundraising efforts” that were not disclosed to investors.

具体而言，SEC声称Ripple Labs通过一系列私人位置出售了大量的XRP，这些私人安置应该已在该机构注册。美国证券交易委员会还声称，Ripple Labs进行了“一系列筹款工作”，这些筹款活动未向投资者披露。

However, Ripple Labs maintains that XRP functions solely as a digital asset for international value transfers, not any security that the SEC regulates. Its purpose is to be used for efficient, low-cost transactions on the Ripple network, and it is sold to investors in a manner consistent with applicable securities laws.

但是，Ripple Labs坚持认为，XRP仅充当国际价值转移的数字资产，而不是SEC规定的任何安全性。它的目的是用于波纹网络上的高效，低成本交易，并以符合适用证券法的方式出售给投资者。

Breaking news at the time of writing, March 19th, 2025: the SEC has announced that it’s dropping its suit against Ripple.

在2025年3月19日写作时，新闻新闻：SEC宣布将其诉讼对Ripple。

What Makes XRP Unique?

是什么使XRP与众不同？

In the diverse landscape of cryptocurrencies, XRP stands out with its distinct purpose and unique properties.

在加密货币的各种景观中，XRP以其独特的目的和独特的特性而脱颖而出。

Instead of serving as an alternative store of value like Bitcoin or a platform for smart contracts like Ethereum, XRP is designed to be a fast, efficient and low-cost means of transferring value across borders.

XRP并没有用作比特币或以太坊等智能合约的平台的替代商店，而是设计为一种快速，高效且低成本的方式，可以在边界跨境转移价值。

This focus on facilitating seamless cross-border payments is at the heart of what makes XRP unique and valuable.

这种关注促进无缝跨境支付的重点是使XRP独特而有价值的核心。

Another interesting aspect of XRP is its unique consensus type, which is distinct from the Proof-of-Work used by Bitcoin or the Proof-of-Stake used by Ethereum.

XRP的另一个有趣的方面是其独特的共识类型，这与比特币或以太坊使用的验证证明的工作证明不同。

The XRP Ledger uses a unique variant of Byzantine Fault Tolerance (BFT) called Stellar Consensus Protocol (SCP

XRP Ledger使用拜占庭容错的独特变体（BFT），称为恒星共识协议（SCP）