XRP值得购买吗？深入了解波纹价格及其在金融生态系统中的作用

最近，波纹价格飙升至每枚硬币3.39美元的历史最高高价（ATH），引发了投资者的辩论。

As the Ripple price recently surged to an all-time high (ATH) of $3.39 per coin, heated debates have emerged among investors regarding whether XRP is still worth buying. While some argue that the price has risen sufficiently above its long-term resistance, indicating a favorable time to buy in, others believe waiting for a price dip to more optimal levels could yield better returns. However, beyond these immediate price concerns lies a more fundamental question: is XRP worth buying at all?

随着连锁价格最近升至每枚硬币3.39美元的历史最高高价，投资者在投资者中出现了激烈的辩论，涉及XRP是否值得购买。尽管有些人认为价格已经足够高于其长期抵抗力，这表明有利于购买的时间，但另一些人认为等待价格下跌至最佳水平可以产生更好的回报。但是，除了这些直接的价格问题之外，还有一个更根本的问题：XRP是否值得购买？

To answer this question, we need to understand what XRP truly represents and its role in the broader financial ecosystem. XRP is the native coin of the XRP Ledger (XRPL), a decentralized and open-source blockchain network launched in 2012 by Ripple Labs. The primary purpose of XRP is to facilitate cross-border payments, offering a faster and more cost-effective alternative to traditional financial systems.

为了回答这个问题，我们需要了解XRP真正代表的内容及其在更广泛的金融生态系统中的作用。 XRP是XRP Ledger（XRPL）的本机硬币，这是Ripple Labs于2012年推出的分散和开源区块链网络。 XRP的主要目的是促进跨境支付，为传统金融系统提供更快，更具成本效益的替代方案。

When transferring money between currencies that are not directly traded against each other, the process typically involves converting the first currency into USD and then converting the USD into the second currency. In these situations, XRP serves as a bridge currency, reducing both transaction time and costs.

当在没有直接交易彼此交易的货币之间转移资金时，该过程通常涉及将第一货币转换为美元，然后将美元转换为第二货币。在这些情况下，XRP用作桥梁货币，减少了交易时间和成本。

One of XRP’s key features is its speed and affordability. As of February 2025, the average transaction fee on the XRP Ledger is less than a cent, typically ranging from 0.0025 to 0.0035 XRP per transaction. Transactions are completed in under four seconds, starkly contrasting to the several business days required for traditional wire transfers. This efficiency has made XRP particularly useful in underbanked regions, where it provides greater access to financial services and opportunities for individuals with limited banking options.

XRP的主要特征之一是其速度和负担能力。截至2025年2月，XRP Ledger的平均交易费用不到百分之一，通常从0.0025至0.0035 XRP不等。交易在四秒钟内完成，与传统电汇所需的几个工作日形成鲜明对比。这种效率使XRP在债券不足的地区特别有用，在该地区，它为拥有有限的银行选择的个人提供了更大的访问金融服务和机会。

The XRPL operates on a unique consensus mechanism, the Unique Node List (UNL), managed by trusted validators selected by the XRP community. Each transaction is validated by at least 80% of node operators, ensuring a high level of security and reliability within the network. This decentralized approach contrasts with traditional financial systems, which are often criticized for their centralization and slow transaction speeds.

XRPL在独特的共识机制（独特的节点列表（UNL））上运行，由XRP社区选择的受信任验证器管理。每个交易至少由80％的节点运算符验证，以确保网络内的高度安全性和可靠性。这种分散的方法与传统的金融系统形成鲜明对比，这些金融系统通常因其集中化和慢速交易速度而受到批评。

XRP vs. Traditional Payment Systems

XRP与传统支付系统

When it comes to competing with traditional payment networks, XRP faces stiff competition from industry giants like VISA and Mastercard.

在与传统支付网络竞争时，XRP面临来自Visa和MasterCard等行业巨头的激烈竞争。

VISA is the undisputed leader, capable of processing up to 24,000 transactions per second (TPS) under optimal conditions. Mastercard, while considerably smaller, still handles up to 5,000 TPS.

签证是无可争议的领导者，能够在最佳条件下每秒处理多达24,000件交易（TPS）。万事达卡虽然小得多，但仍可以处理多达5,000 tps。

In comparison, the XRP Ledger can process around 1,500 TPS, a relatively modest number considering the total volume of global payment transactions. This difference in processing power raises questions about XRP’s potential as a global payment solution.

相比之下，XRP分类帐可以处理约1,500 TP，这是一个相对较小的数字，考虑到全球支付交易的总量。处理能力的这种差异引发了有关XRP作为全球支付解决方案的潜力的问题。

XRP as an Investment Asset

XRP作为投资资产

From an investment perspective, XRP presents a unique set of challenges. Its total supply is capped at 100 billion coins, with nearly half of this amount held in escrow by Ripple Labs. While the remaining XRP is available for free circulation, the significant concentration of coins in escrow raises concerns about potential price manipulation and the overall centralization of the asset.

从投资的角度来看，XRP提出了一系列独特的挑战。它的总供应限制为1000亿个硬币，其中托管实验室在托管中持有的近一半。虽然剩余的XRP可以免费流通，但托管中的硬币的显着浓度引起了人们对潜在价格操纵和资产的整体集中化的担忧。

Despite XRP’s relatively high correlation of 0.8 with Bitcoin and 0.6 with Ether, it still operates in a highly volatile and speculative market. XRP's previous ATH was $3.30 in January 2018, and it took seven years for the price to surpass this peak by just nine cents. This slow rate of appreciation, combined with the continuous release of approximately one billion XRP coins into circulation each month, raises concerns about the asset’s inflation.

尽管XRP与比特币的相对较高的相关性与比特币的相对较高，但它仍然在高度挥发性和投机性市场中运作。 XRP以前的ATH在2018年1月为3.30美元，价格花了7年的时间超过了9美分。这种缓慢的升值速度加上每个月循环大约十亿个XRP硬币的连续释放，这引起了人们对资产通货膨胀的担忧。

While Ripple Labs’ regular coin releases are intended to counter inflation, they also create ongoing selling pressure, potentially suppressing any significant long-term price increases.

尽管Ripple Labs的常规硬币发行旨在应对通货膨胀，但它们也造成了持续的销售压力，可能会抑制任何长期价格上涨。

Despite these challenges, Ripple Labs is a well-established company with growth potential. However, XRP should not be viewed as a traditional wealth-preserving asset, particularly when compared to more established financial instruments or even other cryptocurrencies that offer greater decentralization.

尽管面临这些挑战，但Ripple Labs还是一家具有增长潜力的公司。但是，XRP不应被视为传统的保留财富资产，尤其是与更具成熟的金融工具甚至其他提供更大权力下放的加密货币相比。