XRP太大了嗎？ AI選擇更好的賭注：XCN或XLM

您是否正在考慮將錢扔給XRP？好吧，我們試圖探索一些連鎖反應的替代方案，而AI考慮XRP已經有一個巨大的市值。

XRP has surged in 2024 as the Ripple lawsuit nears resolution and institutional interest in the token grows. However, XRP's massive market cap of nearly $130 billion at current prices might make it difficult to realize substantial short-term gains.

XRP在2024年飆升，因為波紋訴訟涉及令牌增長的解決方案和機構利益。但是，XRP以當前價格的巨大市值為1300億美元可能會使很難實現大量的短期收益。

If you're an investor who aligns with XRP's mission of improving cross-border payments and upgrading financial infrastructure but prefers tokens with greater growth potential, smaller-cap alternatives might be worth considering.

如果您是XRP的使命，即改善跨境支付和升級金融基礎設施，但更喜歡代幣具有更大的增長潛力，則值得考慮的較小額定替代方案。

Two such tokens that could be of interest are XCN (Onyxcoin) and XLM (Stellar).

兩個可能感興趣的令牌是XCN（Onyxcoin）和XLM（恆星）。

XCN: The DeFi Innovator

XCN：Defi Innovator

Onyxcoin (XCN) token is priced at around $0.021 with a market cap of approximately $700 million. It operates on the Ethereum blockchain and focuses on institutional-grade DeFi, NFT-backed lending, and smart contract-based asset operations.

Onyxcoin（XCN）令牌的價格約為0.021美元，市值約為7億美元。它在以太坊區塊鏈上運行，並專注於機構級規定，NFT支持的貸款和基於智能合同的資產運營。

XCN offers considerably higher upside potential due to its lower market cap and provides use cases beyond simple payments with its built-in NFT collateralization for unique utilities. The platform features deep DeFi integration, supporting borrowing, lending, unified balances, and protocol-layer functionality.

XCN由於其較低的市場上限提供了更高的上升潛力，並提供了簡單付款的用例，其內置的NFT抵押品為獨特的公用事業提供了。該平台具有深度的Fefi集成，支持借貸，貸款，統一餘額和協議層功能。

Recently, Onyxcoin underwent a rebranding effort, which could bring fresh momentum to the project. However, XCN remains relatively unknown to retail investors. Its deployment on Ethereum exposes it to gas fees and network stability issues. The coin also has limited exchange support compared to XRP or XLM and needs to develop more real-world institutional partnerships to fully match XRP’s vision.

最近，Onyxcoin進行了重新品牌的努力，這可能為該項目帶來新的動力。但是，XCN對於零售投資者仍然相對不明清楚。它在以太坊上的部署將其暴露於汽油費和網絡穩定性問題。與XRP或XLM相比，硬幣的交換支持也有限，需要建立更多現實的機構合作夥伴關係以完全匹配XRP的願景。

XLM: The Established Player

XLM：已建立的球員

Stellar’s (XLM) token is trading at around $0.27 with a market cap of approximately $8.5 billion. Its focus includes global payments, fiat on/off ramps, CBDC development, and asset bridges.

Stellar的（XLM）令牌的交易價格約為0.27美元，市值約為85億美元。它的重點包括全球付款，命令開/關坡道，CBDC開發和資產橋樑。

Stellar benefits from being a mature network with over a decade of operation. Co-founded by Jed McCaleb, one of XRP’s original architects, Stellar has partnerships with major players like IBM and MoneyGram. The ecosystem offers stable, near-instant transactions with minimal fees, and its longevity provides lower risk.

恆星受益於擁有十多年操作的成熟網絡。由XRP的原始建築師之一Jed McCaleb共同創立，Stellar與IBM和Moneygram等主要參與者建立了夥伴關係。生態系統提供穩定的，近乎固有的交易，費用最低，其壽命可提供較低的風險。

However, XLM's higher market cap limits its growth potential compared to other tokens. Its retail-focused adoption has outpaced institutional traction, and some investors question its pre-mined tokenomics from a decentralization perspective.

但是，與其他令牌相比，XLM較高的市值限制了其增長潛力。它以零售為重點的採用已經超過了機構的吸引力，一些投資者從權力下放的角度質疑其預先開采的令牌組學。

Making Your Choice

做出選擇

When deciding between these tokens, consider your investment priorities:

在這些令牌之間做出決定時，請考慮您的投資優先級：

If stability, established partnerships, and smoother adoption matter most to you, then XLM represents the safer bet. It’s essentially the “Litecoin to XRP’s Bitcoin” – proven, efficient, and widely accessible.

如果穩定，建立的合作夥伴關係和對您的採用更順暢，那麼XLM代表更安全的賭注。從本質上講，這是“ XRP比特幣的Litecoin” - 經過證明，高效且廣泛訪問。

If you’re seeking higher upside potential and early-stage innovation with DeFi integration, then XCN has the advantage. With a market cap of only $700 million and broader infrastructure capabilities including NFT collateralization and smart DeFi lending, XCN positions itself as a next-generation version of what XRP started.

如果您正在尋求更高的上升潛力和通過Defi集成的早期創新，那麼XCN就具有優勢。 XCN的市值僅為7億美元，包括NFT抵押和智能貸款（包括NFT抵押和智能貸款），將自己定位為XRP啟動的下一代版本。

Both XLM and XCN offer compelling alternatives to XRP, but they target different investor profiles. Choose XLM for security and credibility, or bet on XCN for potential upside and innovation.

XLM和XCN都提供了XRP的引人注目的替代方案，但它們針對不同的投資者資料。選擇XLM以獲得安全性和信譽，或在XCN上押注潛在上行和創新。