XRP（XRP）在总统唐纳德·特朗普（Donald Trump）提到“有价值的加密货币”之后获得了国家认可

Ripple Labs的XRP（XRP）是市值的第三大加密货币，在唐纳德·特朗普总统提到“有价值的加密货币”之后，获得了国家认可

President Donald Trump's planned US strategic crypto reserve will reportedly hold "valuable" cryptocurrency assets, including Bitcoin (BTC), Ethereum (ETH), and Ripple’s XRP, according to a report by CCXV.

根据CCXV的一份报告，唐纳德·特朗普总统计划的美国战略加密保护区将持有包括比特币（BTC），以太坊（ETH）和Ripple的XRP在内的“有价值的”加密货币资产。

Trump’s executive order on March 6 unveiled a new structure for the altcoins, known as the Digital Asset Stockpile, which will be managed by the Treasury.

特朗普在3月6日的行政命令揭示了一个新的结构，该结构被称为“数字资产库存”，该结构将由财政部管理。

While the crypto community remains divided on whether XRP is truly as valuable as President Trump suggests, a closer look at the altcoin’s utility is warranted.

尽管加密货币社区在XRP是否确实像特朗普总统所建议的那样有价值，但必须仔细研究Altcoin的效用。

XRP’s potential role in banking

XRP在银行业中的潜在作用

Launched in 2012 by Ripple Labs, the XRP Ledger (XRPL) was designed for interbank settlements. It initially offered three enterprise solutions: xRapid, xCurrent, and xVia, all later rebranded under the RippleNet umbrella. XCurrent provides real-time messaging and settlement between banks, xVia is a payment interface allowing financial institutions to send payments through RippleNet, and xRapid, now part of On-Demand Liquidity (ODL), facilitates cross-border transactions.

XRP Ledger（XRPL）于2012年由Ripple Labs推出，是为银行间定居点设计的。它最初提供了三种企业解决方案：Xrapid，Xcurrent和XVIA，后来均在Ripplenet伞下重新命名。 XCurrent提供了银行之间的实时消息和结算，XVIA是一个付款接口，允许金融机构通过Ripplenet发送付款，而Xrapid（现在是按需流动性（ODL）的一部分）促进了跨境交易。

Only ODL actually requires XRP; the other services allow banks to use RippleNet without ever holding the token. This means bank adoption of Ripple technology does not always drive XRP’s price.

只有ODL实际上需要XRP；其他服务允许银行在不持有令牌的情况下使用Ripplenet。这意味着银行采用波纹技术并不总是会推动XRP的价格。

Some of the world’s largest banks have used xCurrent and xVia, including American Express, Santander, Bank Of America, and UBS. There is less data on the entities that use XRP-powered ODL service. Known adopters include SBI Remit, a major Japanese remittance provider, and Tranglo, a leading remittance company in Southeast Asia.

世界上一些最大的银行使用了Xcurrent和XVIA，包括美国运通，桑坦德，美国银行和瑞银。使用XRP驱动的ODL服务的实体的数据较少。已知的采用者包括日本主要汇款提供商SBI Remit，以及东南亚领先的汇款公司Tranglo。

XRP’s role in Web3

XRP在Web3中的角色

XRP is also used as a gas token. However, unlike the Ethereum network, where fees go to validators, a small amount of XRP is burned as an anti-spam mechanism.

XRP也被用作气体令牌。但是，与以太坊网络（在验证器上收取费用）不同，将少量的XRP燃烧为一种反垃圾邮件机制。

XRP’s role in Web3 is minimal. Unlike Ethereum, Ripple does not support complex smart contracts or DApps. It offers only basic Web3 functionality, such as a token issuance mechanism and native NFT support under the XLS-20 standard, introduced in 2022.

XRP在Web3中的作用很小。与以太坊不同，Ripple不支持复杂的智能合约或DAPP。它仅提供基本的Web3功能，例如2022年推出的XLS-20标准下的代币发行机制和本机NFT支持。

The XRPL Web3 ecosystem is small. Its modest DeFi sector holds $80 million in total value locked (TVL), according to DefiLlama. XRPL’s tokens have a combined market cap of $468 million, according to Xrpl.to. Most of them are DEX tokens (SOLO) and memes (XRPM), as well as wrapped BTC and stablecoins.

XRPL Web3生态系统很小。根据Defillama的说法，其适度的Defi行业持有8000万美元的总价值锁定（TVL）。根据Xrpl.to.的数据，XRPL的令牌的总市值为4.68亿美元。其中大多数是Dex令牌（独奏）和模因（XRPM），以及包裹的BTC和StableCoins。

So far, XRPL’s Web3 sector remains niche and trails true smart contract platforms like Ethereum and Solana.

到目前为止，XRPL的Web3领域仍然是利基市场，并拖延了Ethereum和Solana等真正的智能合同平台。

Crypto pundits split hairs on XRP’s role in a strategic reserve

加密专家在XRP在战略储备中的作用划分头发

At the end of January, the House passed a bill that would require the US to create a national strategy for cryptocurrency.

1月底，众议院通过了一项法案，该法案将要求美国制定一项国家的加密货币战略。

This follows a December report by the Presidential Economic Policy Advisers, recommending the creation of a US strategic crypto reserve.

这是在总统经济政策顾问12月的一份报告之后，建议创建美国战略加密保护区。

Highlighting the administration’s interest in crypto, President Trump plans to launch a new "Digital Asset Stockpile" to be managed by the Treasury, according to CCXV.

据CCXV称，特朗普总统计划强调政府对加密货币的兴趣，计划发起新的“数字资产库存”，由财政部管理。

The report also mentions that the crypto portfolio will consist of "valuable" digital assets, including Bitcoin, Ethereum, Stellar, Chainlink, and Ripple’s XRP.

该报告还提到，加密产品组合将由“有价值的”数字资产组成，包括比特币，以太坊，恒星，链条和Ripple的XRP。

This sparks a debate among crypto pundits on whether XRP truly holds the same value as President Trump suggests.

这引发了加密货币专家之间的辩论，就XRP是否真正拥有与特朗普总统建议的相同价值。

While the role of BTC as a decentralized store of value is widely recognized, XRP’s purpose remains less clear, although few in the crypto space would argue that it could qualify as independent money.

尽管BTC作为分散的价值存储的作用得到了广泛认可，但XRP的目的仍然不清楚，尽管加密货币空间中很少有人会认为它可以作为独立资金资格。

This is primarily due to one of Ripple’s most uncomfortable aspects—its permissioned nature. Unlike Bitcoin or Ethereum, Ripple does not rely on miners or staked tokens to secure the network. Instead, it uses a Unique Node List—a group of trusted validators responsible for approving transactions.

这主要是由于Ripple最不舒服的方面之一，即它的许可性质。与比特币或以太坊不同，Ripple不依赖矿工或固定的代币来保护网络。取而代之的是，它使用一个唯一的节点列表 - 一组负责批准交易的受信任验证者。

This setup, which optimizes speed and efficiency, sparks concerns about censorship, corruption, and security risks.

这种优化速度和效率的设置引发了人们对审查，腐败和安全风险的关注。

Discussing the potential of XRP, Bitcoin proponent and co-founder of Casa Jameson Lopp didn’t mince his words:

讨论XRP，比特币支持者和Casa Jameson Lopp的联合创始人的潜力并没有削弱他的话：

There’s no love lost between Bitcoiners and B brightercoin supporters, especially after Ripple co-founder Chris Larsen partnered with Greenpeace to fund an anti-Bitcoin campaign.

比特币和B Brightercoin支持者之间没有失去的爱，尤其是在Ripple联合创始人Chris Larsen与GreenPeace合作以资助反比型币运动之后。

However, Lopp’s comparison to CBDCs holds some weight, given XRPL’s permissioned nature. It reflects a common view in the crypto community that XRP functions more like a banking tool than a truly independent cryptocurrency.

但是，鉴于XRPL的许可性质，LOPP与CBDC的比较具有一定的重量。它反映了加密社区中的一种共同观点，即XRP的功能更像是一种银行工具，而不是真正独立的加密货币。

While the XRPL blockchain sees widespread use in banking, XRP’s utility remains a point of concern. It is underscored by the fact that approximately 55% of the 100 billion pre-mined coins are still held by Ripple Labs. This concentration sparks concerns about potential market manipulation and the coin’s long-term stability.

尽管XRPL区块链在银行业中看到广泛使用，但XRP的实用程序仍然是一个关注点。在Ripple Labs仍然持有1000亿枚预装硬币中约55％的事实，这一点强调了这一事实。这种集中注意力引发了人们对潜在市场操纵和硬币的长期稳定性的关注。