瑞波幣（XRP）在支付上還有用嗎？

Ripple 是一個區塊鏈網絡，其目標是幫助公司（尤其是銀行）簡化跨境交易。

Ripple (XRP) price has underperformed the market in the past few months. The XRP token was trading at $0.40 on Thursday morning, down by over 40% from its highest point this year. While Bitcoin is hovering near its all-time high, XRP remains 77% below it highest level in April 2021.

瑞波幣（XRP）價格在過去幾個月表現遜於市場。週四上午，XRP 代幣的交易價格為 0.40 美元，較今年最高點下跌了 40% 以上。儘管比特幣徘徊在歷史高點附近，但 XRP 仍比 2021 年 4 月的最高水準低 77%。

Is Ripple still useful in payments?

瑞波幣在支付領域還有用嗎？

Ripple is a blockchain network whose goal is to help companies, especially banks, simplify their cross-border transactions.

Ripple 是一個區塊鏈網絡，其目標是幫助公司（尤其是銀行）簡化跨境交易。

Its goal is to solve a key problem that has existed in the financial services industry for many years. This is a challenge where the cost of moving money internationally is expensive and a bit slow. It is often slow because banks are required to hold pre-funded accounts in destination currencies.

其目標是解決金融服務業多年來存在的關鍵問題。這是一個挑戰，因為國際間轉移資金的成本昂貴且速度有點慢。它通常很慢，因為銀行需要持有以目的地貨幣計價的預存資金帳戶。

Ripple’s solution is to partner with banks and offer them its on-demand liquidity (ODL), which makes these transactions cheap and quick. These customers can leverage the XRP to bridge two currencies in three seconds and at a lower cost.

Ripple 的解決方案是與銀行合作，為其提供按需流動性（ODL），這使得這些交易變得便宜且快速。這些客戶可以利用 XRP 在三秒內以更低的成本橋接兩種貨幣。

Ripple also works in crypto custody solutions and crypto liquidity. Its technology can also be used by governments seeking to launch their Central Bank Digital Currency (CBDC). It has partnered with companies like Novatti, Palau, RocketFuel, SBI Remit, and Tranglo.

Ripple 也致力於加密貨幣託管解決方案和加密貨幣流動性。尋求推出中央銀行數位貨幣（CBDC）的政府也可以使用其技術。它已與 Novatti、Palau、RocketFuel、SBI Remit 和 Tranglo 等公司合作。

Ripple’s XRP underperformance has led to a core question about whether Ripple is still needed in the payment industry.

Ripple的XRP表現不佳引發了一個核心問題：支付產業是否還需要Ripple。

Ripple is facing two main competitors. First, stablecoins have become highly popular in payments in the past few months. Today, Tether (USDT) handles over $50 billion worth of transactions each day. Newer stablecoins like PayPal (PYSD) and Ethena USDe are gaining market share.

Ripple 面臨兩個主要競爭對手。首先，過去幾個月穩定幣在支付領域非常受歡迎。如今，Tether (USDT) 每天處理價值超過 500 億美元的交易。 PayPal (PYSD) 和 Ethena USDe 等較新的穩定幣正在獲得市場份額。

Therefore, instead of using Ripple, many companies seeking quick transfers have embraced these stablecoins because of their speed and low costs.

因此，許多尋求快速轉帳的公司不再使用瑞波幣，而是選擇了這些穩定幣，因為它們速度快、成本低。

Second, some big banks have embraced the concept of tokenization in money movement. This includes companies like ANZ Bank and JP Morgan. These tokenized platforms could move money faster and at a lower cost.

其次，一些大銀行已經接受了貨幣流動中代幣化的概念。其中包括澳新銀行和摩根大通等公司。這些代幣化平台可以更快、更低成本地轉移資金。

There are other concerns about Ripple’s ecosystem. First, it is unclear whether the XRPL platform will attract enough developers because of the vast competition in the blockchain industry.

Ripple 的生態系統還有其他一些擔憂。首先，由於區塊鏈產業競爭激烈，XRPL平台是否能吸引足夠的開發者尚不清楚。

Second, it will take much effort for Ripple’s planned stablecoin to gain market Share because of Tether’s dominance.

其次，由於 Tether 的主導地位，Ripple 計劃中的穩定幣需要付出很大的努力才能獲得市場份額。

XRP price analysis

瑞波幣價格分析

The weekly chart shows that the XRP token price topped at $0.9347 after the Ripple vs SEC case verdict in 2023. Since then, it has dropped to a low of $0.40, where it has found substantial support. This price coincides with the ascending trendline shown in black.

週線圖顯示，2023 年 Ripple v. SEC 案件判決後，XRP 代幣價格最高達到 0.9347 美元。此價格與黑色顯示的上升趨勢線一致。

The XRP price has moved below the 50-week moving average while the Relative Strength Index (RSI) has pointed downwards. Therefore, the outlook for the token is bearish, with the next point to watch being at $0.2912, its lowest swing in 2022.

XRP 價格已跌破 50 週移動平均線，而相對強弱指數 (RSI) 則向下。因此，該代幣的前景是看跌的，下一個值得關注的點是 0.2912 美元，這是 2022 年的最低波動。