XRP的多方面旅程：從Ripplepay到領先的加密貨幣

這種破壞銀行作品探索了XRP的多方面旅程，提供了XRP的技術基礎的詳細分析

Prominent cryptocurrency XRP, the native token of the Ripple network, has faced the longest legal battle in crypto history. Yet, it has carved out a distinct niche in digital assets as the go-to medium for cross-border payments, known for speed, cost-effectiveness, and scalability. Today, it ranks 4th by market cap on CoinMarketCap, CoinGecko, and Coinbase. XRP’s tenacious journey so far has piqued the interest of many investors who are now asking how did XRP become a leading cryptocurrency?

波紋網絡的本地代幣著名的加密貨幣XRP面臨著加密歷史上最長的法律鬥爭。然而，它已經在數字資產中脫穎而出，是跨境支付的首選媒介，以速度，成本效益和可擴展性而聞名。如今，在CoinMarketCap，Coingecko和Coinbase上排名第四。到目前為止，XRP的頑強旅程激起了許多投資者的興趣，他們現在詢問XRP是如何成為領先的加密貨幣的？

This Disruption Banking piece delves into the multifaceted journey of XRP, providing a detailed analysis of its beginnings, technological underpinnings, adoption by financial institutions, the legal battles it has faced up until March this year, XRP’s market performance as of today, and where it could be heading in the foreseeable future.

這種破壞性的銀行作品深入研究了XRP的多方面旅程，對其起點，技術基礎，金融機構採用，金融機構採用，今年3月的法律鬥爭，XRP截至今天的市場績效以及在可預見的未來可能會出現的地方。

From RipplePay to XRP Ledger: The Origin Story

從Ripplepay到XRP Ledger：起源故事

XRP's story began with a peer-to-peer (P2P) network called "RipplePay," founded by Ryan Fugger in 2004. The aim was to enable direct transactions without intermediaries. Later, in 2011, Jed McCaleb, a Bitcoin pioneer and founder of the Mt. Gox exchange, together with David Schwartz and Arthur Britto, started developing the "XRP Ledger." McCaleb suggested creating a cryptocurrency network, which led to the establishment of OpenCoin in 2012. This company later evolved into "Ripple Labs."

XRP的故事始於由Ryan Fugger於2004年創立的名為“ Ripplepay”的點對點（P2P）網絡，其目的是在沒有中介機構的情況下實現直接交易。後來，在2011年，比特幣先驅者，Gox Exchange的創始人Jed McCaleb與David Schwartz和Arthur Britto一起開始開發“ XRP Ledger”。麥卡萊（McCaleb）建議建立一個加密貨幣網絡，該網絡於2012年建立了Opencoin。該公司後來演變為“ Ripple Labs”。

McCaleb joined forces with Chris Larsen to develop the XRP Ledger further. It was officially launched in 2012 with a total supply of 100 billion XRP. Out of this, over 58 billion XRP are in circulation, while the remaining tokens are held in escrow or were given to the team. This pre-mined structure helps to stabilize the Ripple network in contrast to cryptocurrencies like Bitcoin, which rely on mining to introduce new tokens into circulation.

麥卡萊（McCaleb）與克里斯·拉爾森（Chris Larsen）聯手進一步開發了XRP Ledger。它於2012年正式推出，總供應量為1000億xrp。在此過程中，超過580億XRP在流通，而其餘的令牌則在託管中持有或交給了團隊。與比特幣這樣的加密貨幣形成鮮明對比的是，這種預處理的結構有助於穩定漣漪網絡，而比特幣等加密貨幣則依靠採礦將新代幣引入循環中。

The project was initially called the "Ripple Consensus Ledger." However, by 2013, it underwent a rebranding to become simply "Ripple," and the token was assigned the ticker "XRP," similar to how BTC is used for Bitcoin.

該項目最初被稱為“波紋共識分類帳”。但是，到2013年，它進行了重塑，使其簡單地變成了“漣漪”，而代幣被分配給了股票“ XRP”，類似於BTC用於比特幣的方式。

XRP’s Technological Edge: Speed, Scale, Sustainability

XRP的技術優勢：速度，規模，可持續性

XRP boasts advanced technology. The XRP Ledger is a decentralized blockchain designed for enterprise use. It can settle payments within 3 to 5 seconds and handles up to 1,500 transactions per second. For context, Bitcoin can handle around 7 transactions per second, and Ethereum manages about 15. Of course, Bitcoin has improved throughput with the introduction of the Lightning Network, and Ethereum recently had a planned upgrade to increase throughput, although this didn’t necessarily address the speed of the network.

XRP擁有高級技術。 XRP Ledger是設計用於企業使用的分散區塊鏈。它可以在3到5秒內解決付款，並最多處理每秒1,500件交易。對於上下文，比特幣可以每秒處理約7次交易，以太坊管理大約15個交易。當然，隨著閃電網絡的引入，比特幣改善了吞吐量，而以太坊最近進行了計劃的升級以增加吞吐量，儘管這不一定要解決網絡的速度。

XRP’s unique Federated Byzantine Agreement (FBA) uses a network of trusted validators, selected by both Ripple and community nodes, to confirm transactions without the energy-intensive process of mining. This aspect appeals to investors who are drawn to sustainability in their investments.

XRP獨特的聯合拜占庭協議（FBA）使用由Ripple和社區節點選擇的受信任驗證者網絡，以確認沒有能源密集型採礦過程的交易。這一方面吸引了吸引其投資可持續性的投資者。

Furthermore, transaction fees are minimal, at just $0.0002 per transaction, making it ideal for both small and high-volume transfers. The ledger’s Payment Channels enable many payments to settle together, boosting capacity to tens of thousands of transactions per second.

此外，交易費用最低，每筆交易僅為0.0002美元，因此非常適合小型和高量轉移。該分類帳的付款渠道使許多付款能夠共同解決，從而將能力提高到每秒成千上萬的交易。

Additionally, XRP functions as a bridge currency within RippleNet, facilitating rapid currency conversions and reducing costs for institutions engaging in cross-border payments.

此外，XRP在Ripplenet中充當橋樑貨幣，促進了快速貨幣轉換，並降低了從事跨境支付的機構的成本。

Thanks to these features and substantial corporate support, XRP has risen to become a top cryptocurrency.

得益於這些功能和大量的公司支持，XRP已崛起成為頂級加密貨幣。

Global Reach: XRP’s Financial Partnerships

全球範圍：XRP的財務合作夥伴關係

To a large extent, XRP’s ascent to the forefront of the cryptocurrency scene is linked to its adoption by financial institutions worldwide. This adoption is being driven by RippleNet and its On-Demand Liquidity (ODL) solutions.

在很大程度上，XRP在加密貨幣現場的最前沿的上升與全球金融機構的採用有關。這種採用是由Ripplenet及其按需流動性（ODL）解決方案驅動的。

RippleNet, Ripple’s enterprise blockchain network, empowers banks and payment providers to conduct seamless cross-border transactions by leveraging XRP as a bridge asset for instant liquidity. This capability has streamlined remittances and international payments, which traditional systems often encumber with delays and high costs.

Ripplenet，Ripple，Ripple的企業區塊鍊網絡，使銀行和付款提供商能夠通過利用XRP作為即時流動性的橋樑資產來進行無縫的跨境交易。這種能力簡化了匯款和國際付款，傳統系統通常會付出延誤和高昂的成本。

Here are some of XRP’s key partnerships/collaborations so far:

這是迄今為止XRP的一些主要合作夥伴/合作：

* In 2023 alone, institutions in eight countries joined RippleNet, showcasing the technology's global appeal.

*僅在2023年，八個國家的機構就加入了Ripplenet，展示了該技術的全球吸引力。

* In February 2023, MoneyGram, a global leader in money transfer services, began using ODL for U.S.-to-Philippine pay-out flows, marking a significant step in their collaboration.

* 2023年2月，匯款服務全球領導者Moneygram開始使用ODL將ODL用於美國到菲律賓的支出流量，這標誌著他們的合作邁出了重要一步。

* December 2022 saw Egyptian bank handling MenaPay rolling out cross-border payments to Nigeria via ODL, expanding financial services in the region.

* 2022年12月，埃及銀行處理Menapay通過ODL向尼日利亞付款，擴大了該地區的金融服務。

* October 2022 saw a partnership with Dufry, a leading travel retailer in Europe, to explore blockchain solutions for duty-free and travel retail transactions.

* 2022年10月，與歐洲領先的旅行零售商Dufry建立了合作夥伴關係，以探索區塊鏈解決方案的免稅和旅行零售交易。

* September 2022 saw the integration of blockchain technology by several financial institutions in Southeast Asia to streamline cross-border payments.

* 2022年9月，東南亞的幾家金融機構將區塊鏈技術的整合到簡化了跨境支付。