2026 年瑞波幣 (XRP)：持有還是棄牌？展望 XRP 的未來和新興 DeFi 替代品

分析 Ripple (XRP) 在 2026 年的潛力，將其與 Mutuum Finance (MUTM) 等新興 DeFi 代幣進行比較，並探討影響 XRP 價格和市場地位的因素。

Is Ripple (XRP) still a viable crypto token to hold until 2026? While XRP remains a recognized name, its growth potential is now being questioned. Let's dive into XRP's current standing and explore some emerging alternatives.

Ripple (XRP) 在 2026 年之前仍然是可行的加密代幣嗎？儘管 XRP 仍然是一個公認的名字，但其增長潛力現在受到質疑。讓我們深入了解 XRP 目前的狀況並探索一些新興的替代方案。

XRP: A Giant Facing Headwinds

XRP：面臨巨大阻力

Ripple (XRP), currently trading around $2.63 (as of late October 2025), boasts a substantial market cap. Its primary use case centers around facilitating faster and cheaper cross-border payments. However, XRP's price performance hasn't matched its earlier hype. Key resistance levels hover around $2.50 and $2.70, while support forms near $2.05. A large token supply (over 100 billion) makes significant percentage gains challenging without massive capital influx.

Ripple (XRP) 目前的交易價格約為 2.63 美元（截至 2025 年 10 月下旬），擁有可觀的市值。其主要用例集中於促進更快、更便宜的跨境支付。然而，XRP 的價格表現並不符合其早期的炒作。主要阻力位徘徊在 2.50 美元和 2.70 美元附近，而支撐位則在 2.05 美元附近形成。如果沒有大量資本流入，大量的代幣供應（超過 1000 億）會使顯著的百分比收益變得困難。

XRP ETF and Market Dynamics

XRP ETF 和市場動態

The Rex Osprey XRP ETF hitting $100 million in AUM showcased institutional interest. XRP gained 355% over the past 52 weeks, outperforming Bitcoin and Ethereum, fueled by optimism post-2024 U.S. election. However, regulatory clarity remains elusive, and whale activity showed mixed signals, with retail investors primarily driving recent rallies.

Rex Osprey XRP ETF 的資產管理規模達到 1 億美元，這表明了機構的興趣。在 2024 年美國大選後的樂觀情緒推動下，XRP 在過去 52 週內上漲了 355%，表現優於比特幣和以太坊。然而，監管的明確性仍然難以捉摸，鯨魚活動顯示出複雜的信號，散戶投資者主要推動了近期的反彈。

Emerging DeFi Alternatives: Mutuum Finance (MUTM)

新興 DeFi 替代品：Mutuum Finance (MUTM)

Mutuum Finance (MUTM) presents a contrasting picture. This DeFi project focuses on decentralized lending and borrowing, offering transparency and sustainability. Its presale has been a standout event in 2025, with the token price increasing nearly 300% to $0.035 in Phase 6. Over 17,850 holders have joined, and the project has raised $18.5 million. Analysts suggest MUTM has more room to grow, with potential for significant appreciation upon its V1 launch and mainnet release in 2026.

Mutuum Finance (MUTM) 呈現出截然不同的景象。該 DeFi 項目專注於去中心化借貸，提供透明度和可持續性。它的預售是 2025 年的一大亮點，第六階段代幣價格上漲近 300% 至 0.035 美元。已有超過 17,850 名持有者加入，該項目已籌集 1850 萬美元。分析師認為 MUTM 有更大的增長空間，在 2026 年 V1 發布和主網發布後有可能大幅升值。

XRP vs. MUTM: A Growth Potential Comparison

XRP 與 MUTM：增長潛力比較

Analysts believe XRP's major upside potential might already be realized. Projections for 2026 suggest XRP's price might remain between $2.50 and $3.20, representing minimal gains. Mutuum Finance, on the other hand, is still in its early stages, offering a potentially higher reward. Projections suggest a move towards $0.25 to $0.30 post-launch, with potential for $1-$2 by 2028 in a bullish scenario.

分析師認為 XRP 的主要上漲潛力可能已經實現。對 2026 年的預測表明，XRP 的價格可能會保持在 2.50 美元至 3.20 美元之間，漲幅最小。另一方面，Mutuum Finance 仍處於早期階段，提供潛在的更高回報。預測表明，推出後價格將上漲至 0.25 至 0.30 美元，在看漲情況下，到 2028 年可能上漲至 1-2 美元。

MUTM's appeal lies in its clear use case, token buybacks tied to lending activity, and transparent economic structure. The platform completed a CertiK audit, earning a 90/100 TokenScan score. Its V1 launch on the Sepolia Testnet in Q4 2025 will introduce live lending and borrowing functions.

MUTM 的吸引力在於其明確的用例、與借貸活動相關的代幣回購以及透明的經濟結構。該平台完成了 CertiK 審核，獲得了 90/100 TokenScan 評分。其 V1 將於 2025 年第四季度在 Sepolia 測試網上發布，將引入實時藉貸功能。

Reasons to Consider MUTM Ahead of 2026

2026 年之前考慮 MUTM 的理由

1. Dual Lending Model: Serving both everyday users and large investors with Peer-to-Contract (P2C) and Peer-to-Peer (P2P) systems.
2. Synchronized Launch and Listing: Entering the market with immediate functionality, allowing users to lend, borrow, and stake tokens from day one.
3. Real Utility and Buybacks: Creating a self-sustaining ecosystem where platform revenue drives demand for the MUTM token.

Final Thoughts

最後的想法

While XRP holds a secure position in the global payments space, its limited upside makes it less attractive for investors seeking higher returns. Mutuum Finance (MUTM) offers developing utility, transparency, and growth potential. Will MUTM become the next big thing? Only time will tell, but it's definitely one to watch!

儘管 XRP 在全球支付領域佔據著穩固的地位，但其有限的上漲空間使其對於尋求更高回報的投資者來說缺乏吸引力。 Mutuum Finance (MUTM) 提供開發實用性、透明度和增長潛力。 MUTM 會成為下一個大事件嗎？只有時間才能證明一切，但這絕對值得一看！