XRP（波纹）可以使您成为百万富翁吗？

XRP的长期投资者（XRP -2.24％），有时在开发该公司的公司之后被称为Ripple，它忍受了胃的波动。

Long-term investors in XRP (XRP -2.24%), sometimes called Ripple after the company that developed it, have had to endure some stomach-churning volatility.

XRP的长期投资者（XRP -2.24％），有时在开发该公司的公司之后被称为Ripple，不得不忍受一些胃的波动。

Cryptocurrency prices are prone to large swings to begin with, and a lawsuit between XRP's developer and federal regulators has clouded the token's prospects since late 2020. But those who have held on to it have done well: XRP's price has risen roughly 15,000% during its lifetime, including more than 300% since the election. The Trump administration has taken a more supportive stance toward cryptocurrencies, which has bolstered sentiment for XRP and other tokens.

从一开始，加密货币的价格就很容易发生，XRP的开发商和联邦监管机构之间的诉讼已蒙上了代币的前景。但是那些坚持下去的人做得很好：XRP的价格在其一生中大约提高了约15,000％，其中包括以来超过300％的选举。特朗普政府对加密货币采取了更为支持的立场，这支持了XRP和其他代币的情绪。

Today, it is the world's fourth-largest cryptocurrency by market cap. Can XRP (Ripple) make you a millionaire based on its recent price, or is this token running out of steam? Here is what you need to know.Where XRP stands in a rapidly changing regulatory landscapeOn the one hand, XRP's performance is impressive in the light of a nagging lawsuit by the Securities and Exchange Commission (SEC), which sued Ripple in late 2020. The SEC alleged that XRP is a security and that Ripple's sale of the token was an unregistered securities offering. Ripple sold it to financial institutions and individual investors via cryptocurrency exchanges.In July 2023, the judge in the case essentially ruled that XRP was a security when sold to institutions but not when sold to individuals on exchanges. The SEC appealed the ruling, which was seen as a partial win for Ripple, and that is where things stand now.However, new government leadership, such as the Treasury secretary and head of the SEC, are supportive of cryptocurrencies. President Donald Trump has also backed that up with a recent executive order to establish strategic digital asset reserves, one dedicated to Bitcoin and another for other cryptocurrencies. And regulators have begun closing out litigation against some businesses that deal in cryptocurrencies, including cases against Robinhood (HOOD -1.23%), Coinbase (COIN -0.67%), Uniswap, and Gemini. Although Ripple's case still stands, it's encouraging that regulators are easing their stance against the industry.This will ultimately drive XRP's valueIf the lawsuit against Ripple is closed out and investors can finally appreciate XRP's potential in full, the extent of that potential will boil down to the demand for XRP from real-world use.

如今，它是全球第四大加密货币。 XRP（波纹）可以根据其最近的价格使您成为百万富翁，还是该令牌用完了？ Here is what you need to know.Where XRP stands in a rapidly changing regulatory landscapeOn the one hand, XRP's performance is impressive in the light of a nagging lawsuit by the Securities and Exchange Commission (SEC), which sued Ripple in late 2020. The SEC alleged that XRP is a security and that Ripple's sale of the token was an unregistered securities offering. Ripple通过加密货币交易所将其卖给了金融机构和个人投资者。在2023年7月，该案的法官本质上裁定XRP是出售给机构时的安全性，但在交易所交易所出售给个人时不可能是安全性。 SEC对这项裁决提出上诉，该裁决被视为波纹的部分胜利，这就是现在的立场。但是，新政府领导人，例如财政部长兼SEC负责人，都支持加密货币。总统唐纳德·特朗普（Donald Trump）还以最近的行政命令支持建立战略性数字资产储备，一个专门用于比特币，另一个专门用于其他加密货币。监管机构已经开始关闭一些处理加密货币的企业的诉讼，包括反对Robinhood（Hood -1.23％），Coinbase（Coin -0.67％），Uniswap和Gemini的案件。尽管Ripple的案子仍然存在，但令人鼓舞的是，监管机构正在放松对该行业的立场。这最终将推动XRP的诉讼诉讼，而针对Ripple的诉讼已关闭，投资者最终可以完全欣赏XRP的潜力，这种潜力将使对XRP的需求归结为对XRP的需求。

XRP's purpose is to help facilitate cross-border transactions and money transfers. The world's banking system currently depends on the Society for Worldwide Interbank Financial Telecommunication (SWIFT) to transfer, verify, and settle funds sent between countries, but it's cumbersome, slow, and costly.

XRP的目的是帮助促进跨境交易和汇款。全球银行体系目前依赖于全球银行间财务电信协会（SWIFT）来转让，验证和结算在国家之间发送的资金，但这很麻烦，缓慢且昂贵。

Using the Ripple blockchain, funds can be converted from one currency to XRP, then from XRP to another currency at the other end of the transaction in just seconds. This process is also more efficient and cost-effective than SWIFT.

使用波纹区块链，可以将资金从一种货币转换为XRP，然后在交易的另一端从短短几秒钟内从XRP转换为另一种货币。这个过程也比Swift更有效和更具成本效益。

Currently, some institutions use XRP for transactions, while some use Ripple's blockchain but not the XRP token itself. That usage could increase once there's more certainty regarding Ripple's regulatory standing. Meanwhile, its blockchain is receiving technology upgrades that could further strengthen the case for using XRP.Can XRP make you a millionaire?Given XRP's current $122 billion market cap, it seems unlikely that the cryptocurrency will make investors rich overnight. Not to mention, that would put its valuation in the same league as the world's largest companies.

当前，某些机构将XRP用于交易，而有些机构则使用Ripple的区块链，但不使用XRP令牌本身。一旦有关Ripple的监管地位有更多的确定性，这种使用可能会增加。同时，其区块链正在接受技术升级，可以进一步加强使用XRP的情况。XRP可以使您成为百万富翁？考虑到XRP目前的1220亿美元市值，似乎不可能使投资者在一夜之间使投资者富裕。更不用说，这将使其估值与世界上最大的公司同一联盟。

It would take an incredible surge in demand for XRP to propel its market value to the trillions of dollars, which is the level needed to generate the sort of 1,000%-plus total return needed for a six-figure investment to become a seven-figure one.

将XRP的需求激增，将其市场价值推动到数万亿美元，这是产生六位数投资以成为七位数所需的1,000％以上总回报所需的水平。

However, I do think there is still quite a bit of upside potential in XRP at these prices if it manages to establish itself as a key contributor in an increasingly digital economy during the coming years.

但是，我确实认为，如果在未来几年内将自己确立为日益数字经济的关键贡献者，则XRP的潜力仍然很大。

Investors should keep an eye on any developments in Ripple's lawsuit for signs that the case could soon be closed out. After that, it is up to financial institutions to decide whether they will use more of XRP for international payments. If this plays out, XRP could be a winning investment.

投资者应密切关注Ripple诉讼中的任何事态发展，以表明该案可能很快被关闭。之后，由金融机构决定是否将更多的XRP用于国际付款。如果这样做，XRP可能是一项胜利的投资。

That said, it could be a wild ride. There are many moving parts -- in government, across the cryptocurrency space, and within Ripple's lawsuit. Not to mention, cryptocurrency prices have historically gone through boom-and-bust cycles.

也就是说，这可能是一个疯狂的旅程。在政府，跨加密货币领域以及波纹的诉讼中，有许多活动部位。更不用说的是，加密货币价格历史上已经经历了繁荣的周期。

If you invest in XRP, consider mitigating the risks by diversifying your portfolio, buying it slowly and steadily, and anticipating price volatility in both directions.

如果您投资于XRP，请考虑通过使投资组合多样化，缓慢而稳定地购买以及预期这两个方向的价格波动来减轻风险。