XRP：国际支付加密货币的崛起

Ripple 的加密货币 XRP 近几个月经历了大幅飙升，自 2024 年 11 月以来飙升了 350% 以上。

In recent months, Ripple's cryptocurrency, XRP, has experienced a dramatic surge, skyrocketing by over 350% since November 2024. This remarkable ascent has propelled XRP to become the third-largest digital asset, surpassing major corporations like Mastercard and Morgan Stanley in terms of market value, which now stands at $141 billion.

近几个月来，Ripple 的加密货币 XRP 经历了戏剧性的飙升，自 2024 年 11 月以来飙升了 350% 以上。这种惊人的上涨推动 XRP 成为第三大数字资产，在价值方面超过了万事达卡和摩根士丹利等大公司。市值目前为 1,410 亿美元。

XRP's surge can be attributed to its growing reputation as the leading cryptocurrency for international payments. While Bitcoin is often referred to as digital gold and Ethereum powers decentralised finance (DeFi), XRP is gaining recognition as a utility token designed for seamless cross-border transactions.

XRP 的飙升可归因于其作为国际支付领先加密货币的声誉日益提高。虽然比特币通常被称为数字黄金，以太坊为去中心化金融 (DeFi) 提供动力，但 XRP 作为一种专为无缝跨境交易而设计的实用代币正在获得认可。

Prominent crypto investor Ed Franklin has highlighted XRP's potential to revolutionise money transfers. "Bitcoin is too slow and expensive, and Ethereum is not designed to handle the volume of transactions needed for global payments," he explains. "This leaves XRP, which is fast, cheap, and can handle the volume."

著名的加密货币投资者 Ed Franklin 强调了 XRP 彻底改变汇款的潜力。 “比特币太慢而且太贵，而以太坊的设计初衷并不是为了处理全球支付所需的交易量，”他解释道。 “剩下的就是 XRP，它速度快、价格便宜并且可以处理大量交易。”

As a result, XRP is becoming the standard for global payments, according to Franklin. This growing interest has spurred a frenzy among retail investors, with communities like Reddit's r/XRP forum celebrating the token's rise and speculating on its potential to reach $10 or even $58 based on technical indicators.

富兰克林表示，XRP 正因此成为全球支付的标准。这种日益增长的兴趣引发了散户投资者的狂热，Reddit 的 r/XRP 论坛等社区庆祝该代币的上涨，并根据技术指标推测其可能达到 10 美元甚至 58 美元。

However, critics caution that such enthusiasm mirrors the speculative bubbles seen in Bitcoin's past, which ultimately led to a crash in 2018. Sceptics also point to Ripple's centralised control of XRP, with the company holding over 50% of the token's supply and facing an ongoing lawsuit by the U.S. Securities and Exchange Commission (SEC).

然而，批评者警告说，这种热情反映了比特币过去出现的投机泡沫，最终导致了 2018 年的崩盘。怀疑论者还指出 Ripple 对 XRP 的集中控制，该公司持有超过 50% 的代币供应量，并面临着持续的美国证券交易委员会（SEC）提起诉讼。

Despite these challenges, Ripple has partnered with over 300 financial institutions to expand XRP's reach. American Express and Santander are among the notable institutions offering services that integrate XRP.

尽管面临这些挑战，Ripple 仍与 300 多家金融机构合作，扩大 XRP 的覆盖范围。美国运通和桑坦德银行是提供集成 XRP 服务的著名机构之一。

Moreover, recent legal victories have bolstered confidence in Ripple's case. In November 2024, a judge ruled that XRP holders are not parties to the SEC's lawsuit against Ripple, a decision that could significantly impact the token's future.

此外，最近的法律胜利增强了人们对 Ripple 案件的信心。 2024 年 11 月，法官裁定 XRP 持有者不是 SEC 针对 Ripple 提起的诉讼的当事人，这一决定可能会对该代币的未来产生重大影响。

To enhance XRP's functionality, Ripple has introduced new products like the Ripple Liquid USD (RLUSD), a stablecoin backed by real-world assets and pegged to the U.S. dollar. Additionally, its On-Demand Liquidity (ODL) service, which facilitates instant cross-border payments, has gained traction in over 40 markets worldwide.

为了增强 XRP 的功能，Ripple 推出了 Ripple Liquid USD (RLUSD) 等新产品，这是一种由现实世界资产支持并与美元挂钩的稳定币。此外，其促进即时跨境支付的按需流动性 (ODL) 服务已在全球 40 多个市场获得关注。

Furthermore, institutions like BlackRock and Fidelity are rapidly increasing their exposure to XRP through exchange-traded funds (ETFs) that track the performance of crypto assets. As institutional interest grows, advocates believe XRP has the potential to rival Bitcoin's market dominance.

此外，贝莱德和富达等机构正在通过跟踪加密资产表现的交易所交易基金（ETF）迅速增加对 XRP 的投资。随着机构兴趣的增长，支持者相信 XRP 有潜力与比特币的市场主导地位相抗衡。

With institutions continuing to expand their payment networks and regulatory bodies seeking clarity on crypto assets, XRP's future appears promising. Its innovative technology and adoption by financial institutions could make it a cornerstone of global payments.

随着机构不断扩大其支付网络以及监管机构寻求加密资产的明确性，XRP 的未来似乎充满希望。其创新技术和金融机构的采用可能使其成为全球支付的基石。

While sceptics remain cautious due to past experiences with speculative bubbles, supporters are optimistic that XRP will achieve unprecedented heights, potentially joining Bitcoin as a trillion-dollar cryptocurrency.

尽管由于过去的投机泡沫经历，怀疑论者仍然保持谨慎，但支持者乐观地认为 XRP 将达到前所未有的高度，有可能与比特币一起成为价值数万亿美元的加密货币。