XRP價格預測：加密貨幣市場目前價值約3萬億美元。在過去的三年中，市場的總回報率為72％（每年約20％）。

晨星分析師預計，到2034年底，市場將達到7.8萬億美元，這是一項明智的估計，這意味著在未來十年（每年約10％）中總回報率為160％。

The cryptocurrency market is currently worth about $3 trillion. The market produced a total return of 72% (about 20% annually) during the past three years. Morningstar analysts expect the market to reach $7.8 trillion by the end of 2034, a sensible estimate that implies a total return of 160% in the next decade (about 10% annually).

加密貨幣市場目前價值約3萬億美元。在過去的三年中，市場的總回報率為72％（每年約20％）。晨星分析師預計，到2034年底，市場將達到7.8萬億美元，這是一項明智的估計，這意味著在未來十年（每年約10％）中總回報率為160％。

Applying that estimate to XRP(CRYPTO: XRP), which currently trades at about $2.20, suggests a price of $5.75 by early 2035. But XRP has typically generated better gains than the broader market -- for instance, its price climbed 270% during the past three years -- and that trend will likely continue given its standing as the fourth-most-valuable cryptocurrency.

將該估算應用於目前交易約2.20美元的XRP（加密貨幣：XRP），這意味著到2035年初的價格為5.75美元。但是，XRP通常產生的收益比更廣泛的市場產生了更好的增長 - 例如，其價格在過去三年中的價格為270％ - 並且在過去的三年中，這種趨勢可能會繼續以四分之四的速度穩定率高。

Image source: Getty Images.

圖像來源：蓋蒂圖像。

Here's my prediction: XRP will hit $7.50 by early 2034. That implies a total return of 240% (13% annually) during the next decade. But reaching that target will require increased adoption by banks and payment service providers as well as greater demand among retail and institutional investors.

這是我的預測：XRP到2034年初將達到7.50美元。這意味著在未來十年中，總回報率為240％（每年13％）。但是，達到目標將需要增加銀行和支付服務提供商的採用，以及零售和機構投資者的需求更大。

Here's why those things could happen.

這就是這些事情可能發生的原因。

XRP is a faster and cheaper alternative to traditional cross-border payments solutions

XRP是傳統跨境支付解決方案的更快，更便宜的替代品

XRP is the native cryptocurrency on the XRP Ledger, a blockchain designed by Ripple to make cross-border payments and currency exchanges faster and cheaper. Today, most international payments move through the SWIFT (Society for Worldwide Interbank Financial Telecommunication) system, but that typically involves one or more intermediaries that make transactions costly and time consuming.

XRP是XRP Ledger上的本地加密貨幣，這是由Ripple設計的區塊鏈，可使跨境支付和貨幣交易更快，更便宜。如今，大多數國際付款都通過Swift（全球間銀行金融電信協會）系統進行，但是通常涉及一個或多個中介機構，使交易成本昂貴且耗時。

Ripple eliminates that friction. Its payments platform uses XRP and the stablecoin Ripple USD to settle cross-border transactions and foreign currency exchanges in seconds, typically at a much lower cost than traditional solutions like the SWIFT system. Although fewer than 200 institutions use the platform today, the number could rise as banks and fintechs become more familiar with blockchain technology.

波紋消除了這種摩擦。它的支付平台使用XRP和Stablecoin Ripple USD在幾秒鐘內解決跨境交易和外幣交易所，通常比Swift System等傳統解決方案低得多。儘管當今的機構少於200個機構使用該平台，但隨著銀行和金融科技對區塊鏈技術的越來越熟悉，該數字可能會上升。

Spot XRP ETFs could unlock demand among retail and institutional investors

現場XRP ETF可以解鎖零售和機構投資者的需求

Retail and institutional investors have become increasingly comfortable with digital assets, especially the highly visible ones like XRP. But cryptocurrency exchanges are still a source of friction for many potential market participants. Not only do platforms like Coinbase charge high transaction and custody fees.

零售和機構投資者對數字資產的越來越舒適，尤其是XRP等高度可見的資產。但是加密貨幣交流仍然是許多潛在市場參與者的摩擦來源。 Coinbase之類的平台不僅收取高額交易和監護費。

Consequently, several asset managers have recently asked the Securities and Exchange Commission (SEC) for permission to create spot XRP exchange-traded funds (ETFs). Those funds would trade on traditional stock market exchanges, which means investors could get exposure to XRP through existing brokerage accounts. By simplifying adoption, spot XRP ETFs could bring more retail and institutional investors to the market.

因此，幾位資產經理最近已詢問證券交易委員會（SEC），以創建現貨XRP交易所交易基金（ETF）。這些資金將以傳統的股票市場交易進行交易，這意味著投資者可以通過現有經紀帳戶獲得XRP的曝光率。通過簡化採用，現貨XRP ETF可以將更多的零售和機構投資者推向市場。

Indeed, Bitcoin has more than doubled in value since the SEC first approved spot Bitcoin ETFs in January 2024. It's reasonable to think XRP could generate similar returns if spot XRP ETFs are approved. And approval seems likely given the cryptocurrency-friendly stance of the newly appointed SEC chairman, Paul Atkins.

的確，自SEC在2024年1月首次批准的現場比特幣ETF以來，比特幣的價值增加了​​一倍以上。如果批准XRP ETF，則可以認為XRP可以產生類似的回報是合理的。批准似乎有可能考慮到新任命的SEC主席保羅·阿特金斯（Paul Atkins）的加密貨幣友好立場。

Investors should be cautious with cryptocurrencies

投資者應該對加密貨幣保持謹慎

Investors should bear in mind that cryptocurrency is a relatively new asset class that has been very volatile during its brief history. There is no guarantee XRP will be worth more in the future, so investors should never put money into the cryptocurrency if they aren't prepared to lose it.

投資者應記住，加密貨幣是一種相對較新的資產類別，在其簡短的歷史中一直非常波動。不能保證XRP將來會更有價值，因此，如果投資者不准備失去加密貨幣，則永遠不應將錢投入加密貨幣。

Additionally, even if XRP's price does increase 240% to reach $7.50 in the next decade, it will likely suffer steep declines along the way. Investors should be prepared to hold through volatility.

此外，即使XRP的價格確實上漲了240％，在未來十年中達到7.50美元，在此過程中，它也可能會急劇下降。投資者應準備好通過波動。