2025 年 XRP 的表现会超越比特币吗？探索 XRP（瑞波币）的潜力

事实证明，2024 年对于加密货币投资者来说是非凡的一年。目前，所有加密货币的总价值已达到惊人的 3.5 万亿美元，到 2023 年底，其总价值将增加一倍多。

With cryptocurrency markets experiencing a banner year in 2024, thanks to a collective value surpassing $3.5 trillion, investors are buzzing with anticipation for what lies ahead in 2025. Among the standout performers, XRP (CRYPTO: XRP) has garnered attention with a 250% gain year-to-date. But will XRP outshine Bitcoin (CRYPTO: BTC) in 2025? Let's delve into the factors at play.

加密货币市场在 2024 年经历了辉煌的一年，总价值超过 3.5 万亿美元，投资者对 2025 年的前景充满期待。在表现出色的股票中，XRP（加密货币：XRP）以 250% 的涨幅引起了人们的关注。今年迄今为止。但 XRP 会在 2025 年超越比特币（CRYPTO：BTC）吗？让我们深入研究一下起作用的因素。

Ripple, the company behind XRP, aims to revolutionize global banking with its Ripple Payments network. This platform allows financial institutions to communicate directly and settle transactions instantly, irrespective of their existing infrastructure. Ripple has also introduced XRP as a crypto token to standardize transactions on this network.

Ripple 是 XRP 背后的公司，旨在通过其 Ripple 支付网络彻底改变全球银行业。该平台允许金融机构直接沟通并立即结算交易，无论其现有基础设施如何。 Ripple 还引入了 XRP 作为加密代币，以标准化该网络上的交易。

For instance, an American bank could transfer XRP to a Japanese bank instead of USD, avoiding currency exchange fees and reducing transaction costs. The banks can then convert XRP into their preferred fiat currencies independently.

例如，美国银行可以将 XRP 而不是美元转移到日本银行，从而避免货币兑换费用并降低交易成本。然后，银行可以独立地将 XRP 转换为其首选的法定货币。

There are 100 billion XRP tokens in existence, with 57 billion currently in circulation. Ripple controls the remaining 43 billion, releasing up to 1 billion tokens monthly to cater to institutional demand. In 2020, the U.S. Securities and Exchange Commission (SEC) filed a lawsuit against Ripple, asserting that XRP should be classified as a security, a move that would subject its distribution and Ripple's operations to stringent regulations.

现有 1000 亿个 XRP 代币，目前流通中的有 570 亿个。 Ripple 控制着剩余的 430 亿枚代币，每月发行多达 10 亿枚代币以满足机构需求。 2020年，美国证券交易委员会（SEC）对Ripple提起诉讼，声称XRP应被归类为证券，此举将使其分销和Ripple的运营受到严格的监管。

The lawsuit saw partial resolution in August 2024, with Ripple incurring a $125 million fine. The court ruled that XRP was a security only under specific circumstances, such as institutional sales, but not when traded on exchanges or used for transactions. The SEC has since appealed the court's decision.

该诉讼于 2024 年 8 月得到部分解决，Ripple 被处以 1.25 亿美元罚款。法院裁定 XRP 仅在特定情况下才是证券，例如机构销售，但在交易所交易或用于交易时则不是证券。此后，美国证券交易委员会对法院的裁决提出上诉。

With President-Elect Trump nominating cryptocurrency advocate Paul Atkins to lead the SEC (subject to Senate confirmation), investors are hopeful that Ripple's legal challenges may ease after the new administration assumes office on January 20.

随着当选总统特朗普提名加密货币倡导者保罗·阿特金斯 (Paul Atkins) 领导 SEC（需经参议院确认），投资者希望新政府于 1 月 20 日上任后，Ripple 的法律挑战可能会有所缓解。

Most of XRP's gains this year came post the November 5th election. However, trading at $2.21 currently, XRP is still below its all-time high of $3.40 reached in 2018. While there's potential for growth in 2025, investors should approach XRP with caution due to its speculative nature.

XRP 今年的大部分涨幅都是在 11 月 5 日大选之后发生的。然而，XRP 目前的交易价格为 2.21 美元，仍低于 2018 年创下的历史高点 3.40 美元。虽然 2025 年有增长潜力，但由于其投机性质，投资者应谨慎对待 XRP。

Operating independently of any central authority or company, Bitcoin has a limited supply of 21 million Bitcoins, out of which 19.8 million are already in circulation. The final Bitcoin is set to be mined by 2140.

比特币独立于任何中央机构或公司运作，其供应量有限，为 2100 万枚，其中 1980 万枚已在流通。最终的比特币将于 2140 年开采。

Unlike Ripple, which faces regulatory challenges, Bitcoin has seen several SEC-approved Bitcoin ETFs this year, enabling easier and regulated investment by financial advisors and institutional investors. Currently, the Bitcoin ETF market boasts assets exceeding $110 billion, indicating robust demand.

与面临监管挑战的 Ripple 不同，比特币今年已经出现了几只获得 SEC 批准的比特币 ETF，这使得财务顾问和机构投资者的投资变得更加容易和受监管。目前，比特币ETF市场资产规模超过1100亿美元，需求强劲。

Bitcoin's value has seen consistent increases, reaching new highs with occasional significant price corrections. Its limited supply and decentralized nature contribute to its appeal as a digital store of value.

比特币的价值持续上涨，达到新高，偶尔出现重大价格调整。其有限的供应和去中心化的性质增强了其作为数字价值存储的吸引力。

Some experts compare Bitcoin to a digital form of gold. If Bitcoin's market cap were to reach the current total value of all gold reserves ($17.7 trillion), its price would need to increase by 831%, leading to a price of approximately $893,000 per Bitcoin.

一些专家将比特币比作数字形式的黄金。如果比特币的市值要达到当前所有黄金储备的总价值（17.7 万亿美元），其价格将需要上涨 831%，导致每个比特币的价格约为 893,000 美元。

Michael Saylor, co-founder of MicroStrategy which holds over 439,000 Bitcoins, predicts a potential rise to $13 million per Bitcoin by 2045, anticipating broad adoption following potential U.S. regulatory changes. However, this forecast is highly optimistic, especially considering it would represent a value nearly nine times the entire U.S. economy in 2023.

MicroStrategy 持有超过 439,000 枚比特币，其联合创始人 Michael Saylor 预测，到 2045 年，每枚比特币的价格可能会上涨至 1300 万美元，并预计在美国监管可能发生变化后，比特币将得到广泛采用。然而，这一预测非常乐观，特别是考虑到 2023 年其价值将接近美国整体经济的九倍。

Although Ripple Payments is a groundbreaking network, banks are not obligated to use XRP for transactions, which implies that the success of Ripple Payments doesn't necessarily translate to increased XRP value. Investing in XRP remains highly speculative, and its price trajectory is largely unpredictable.

尽管 Ripple Payments 是一个突破性的网络，但银行没有义务使用 XRP 进行交易，这意味着 Ripple Payments 的成功并不一定会转化为 XRP 价值的增加。投资瑞波币仍然具有高度投机性，其价格走势在很大程度上是不可预测的。

While Bitcoin is also speculative, it has consistently shown its ability to retain value. Coupled with the SEC's approval and the proliferation of Bitcoin ETFs, Bitcoin presents a more reliable investment for potential appreciation in 2025 compared to XRP.

虽然比特币也具有投机性，但它始终表现出其保值能力。再加上 SEC 的批准以及比特币 ETF 的激增，与 XRP 相比，比特币在 2025 年的潜在升值潜力方面是一种更可靠的投资。