如果您在2017年購買了價值10,00美元的XRP（加密：XRP），那麼您的頭寸今天值得$ 118,00

投資者再次變得樂觀。儘管XRP仍然比其歷史最高3.84美元（2018年達到）的歷史最高高點下跌了約38％，但動量正在拾取 - 在過去六個月中，令牌的價格上漲了兩倍以上。

If you'd invested $10,000 in Bitcoin (CRYPTO: BTC) back in 2018, your position would be worth a jaw-dropping $10 million today.

如果您在2018年向比特幣（Crypto：BTC）投資了10,000美元，那麼您的頭寸今天值得一提1000萬美元。

The S&P 500 would have returned a comparably measly $20,000 during that same time frame.

在同一時間範圍內，標準普爾500指數將返回相當昂貴的20,000美元。

Investors are getting optimistic again

投資者再次變得樂觀

While Bitcoin is still down roughly 50% from its all-time high of $20,893 (reached in 2021), momentum is picking up -- with the token's price up more than double during the past six months. It isn't hard to see why investors are getting optimistic again.

儘管比特幣仍然比歷史最高額為20,893美元（2021年達到）的歷史最高點下降了約50％，但動量卻在拾取 - 在過去六個月中，令牌的價格上漲了兩倍以上。不難看出為什麼投資者再次變得樂觀。

Under the Trump administration, the U.S. government has demonstrated a much softer stance toward the industry. In March, President Donald Trump signed an executive order directing the U.S. to create a Strategic Bitcoin Reserve and Digital Asset Stockpile to store cryptocurrencies, which the government typically seizes in civil or criminal asset forfeitures. This move would not only help to legitimize these assets, but it could also reduce selling pressure; both the Reserve and the Stockpile would holding the cryptos rather than liquidate them for cash.

在特朗普政府的領導下，美國政府對該行業表現出了更加柔和的立場。 3月，唐納德·特朗普（Donald Trump）總統簽署了一項行政命令，指示美國創建一個戰略性的比特幣儲備和數字資產存儲以存儲加密貨幣，政府通常在民事或刑事資產沒收中佔領了加密貨幣。此舉不僅有助於使這些資產合法化，而且還可以降低銷售壓力。儲備金和庫存都將持有加密貨幣，而不是清算現金。

The cryptocurrency industry has also enjoyed recent wins on the regulatory front. In March, the Securities and Exchange Commission (SEC) decided to drop its appeal against a favorable ruling for XRP's developer, Ripple Labs, which established that its tokens are not securities when sold to retail investors on public exchanges. While Ripple still faces fines related to its sales of XRP to institutional investors, this decision removes a significant overhang for XRP.

加密貨幣行業也在監管方面贏得了最近的勝利。 3月，美國證券交易委員會（SEC）決定對XRP開發商Ripple Labs的有利裁決提出上訴，該裁決確定其令牌在出售給公共交易所零售投資者時不是證券。儘管Ripple仍然面臨與XRP向機構投資者的銷售有關的罰款，但該決定消除了XRP的重大懸而未決。

XRP's path to mainstream adoption

XRP的主流採用之路

XRP's long-term success will depend on its mainstream adoption, both as a financial asset and in real-world use cases. The good news is that it has some advantages over its biggest rivals. While Bitcoin was created to function as a store of value and medium of exchange, XRP targets the potentially lucrative market of international payments, currently served by arguably archaic platforms such as the Society for Worldwide Interbank Financial Telecommunication (SWIFT), which was established in 1973.

XRP的長期成功將取決於其主流採用，無論是作為金融資產還是在現實世界中的用例中。好消息是，它比最大的競爭對手具有一些優勢。儘管創建比特幣是為了作為價值和交換媒介的存儲，但XRP的目標是可能是有利可圖的國際支付市場，目前可以說是由古老的平台（例如全球銀行間財務電信協會（SWIFT））提供的，該市場成立於1973年。

Although Ripple and XRP are unlikely to replace SWIFT anytime soon, they could provide an alternative for small companies and individuals who prioritize speed and low costs.

儘管Ripple和XRP不太可能很快取代Swift，但它們可以為優先級和低成本的小型公司和個人提供替代方案。

According to Business Insider, an outgoing international wire transfer currently costs about $15 to $30 (settling in as long as five days). Using different currencies could add further costs and complexities. XRP solves this problem by acting as a bridge. If someone in the U.S. wants to transfer dollars to Japan (where the yen is used), they could convert their dollars to XRP and use that XRP to buy the Japanese yen.

據商業內部人士稱，即將離任的國際電匯目前的費用約為15至30美元（長達5天）。使用不同的貨幣可能會增加進一步的成本和復雜性。 XRP通過充當橋樑來解決此問題。如果美國的某人想將美元轉移到日本（使用日元的地方），他們可以將美元轉換為XRP，並使用該XRP購買日元。

Image source: Getty Images.

圖像來源：蓋蒂圖像。

To be fair, pretty much all cryptocurrencies can fill this role, but XRP sets itself apart with its extremely low fee of 0.00001 XRP per transaction, which is a fraction of a cent. For context, Bitcoin currently costs about $1.50 per transaction, while Ethereum costs $0.25 per transaction. These numbers can spike dramatically depending on network traffic.

公平地說，幾乎所有加密貨幣都可以填補這個角色，但是XRP以每筆交易的0.00001 XRP費用為0.00001 XRP，這是一分錢的一小部分。在上下文中，比特幣目前每筆交易的價格約為1.50美元，而以太坊的每筆交易成本為0.25美元。這些數字可以大大峰值，具體取決於網絡流量。

Is XRP a millionaire-maker cryptocurrency?

XRP是百萬富翁製造商加密貨幣嗎？

With a token price of just $2.38 each at the time of writing, XRP looks extremely cheap compared to other leading cryptocurrencies like Bitcoin and Ethereum, which trade for $105,500 and $2,520, respectively. But this tells only half the story. With a market cap of $138 billion, XRP is already the world's fourth-largest crypto.

與其他領先的加密貨幣（如比特幣和以太坊）相比，XRP在寫作時的代幣價格僅為2.38美元，分別以105,500美元和2,520美元的價格交易。但這只會說明故事的一半。 XRP的市值為1380億美元，已經是世界第四大加密貨幣。

The asset's immense size means it is unlikely to repeat the explosive multibagger returns it enjoyed during the past five years. The larger something is, the harder it is to grow.

資產的巨大規模意味著，在過去五年中，不太可能重複其享受的爆炸性多款回報。越大的東西是，生長就越困難。

That said, XRP's recent regulatory wins and potential for mainstream adoption in the international payments industry could set it up for continued market-beating success.

也就是說，XRP最近的監管勝利和在國際支付行業中的主流採用的潛力可能會為持續的市場取得成功設置。