如果您在2017年购买了价值10,00美元的XRP（加密：XRP），那么您的头寸今天值得$ 118,00

投资者再次变得乐观。尽管XRP仍然比其历史最高3.84美元（2018年达到）的历史最高高点下跌了约38％，但动量正在拾取 - 在过去六个月中，令牌的价格上涨了两倍以上。

If you'd invested $10,000 in Bitcoin (CRYPTO: BTC) back in 2018, your position would be worth a jaw-dropping $10 million today.

如果您在2018年向比特币（Crypto：BTC）投资了10,000美元，那么您的头寸今天值得一提1000万美元。

The S&P 500 would have returned a comparably measly $20,000 during that same time frame.

在同一时间范围内，标准普尔500指数将返回相当昂贵的20,000美元。

Investors are getting optimistic again

投资者再次变得乐观

While Bitcoin is still down roughly 50% from its all-time high of $20,893 (reached in 2021), momentum is picking up -- with the token's price up more than double during the past six months. It isn't hard to see why investors are getting optimistic again.

尽管比特币仍然比历史最高额为20,893美元（2021年达到）的历史最高点下降了约50％，但动量却在拾取 - 在过去六个月中，令牌的价格上涨了两倍以上。不难看出为什么投资者再次变得乐观。

Under the Trump administration, the U.S. government has demonstrated a much softer stance toward the industry. In March, President Donald Trump signed an executive order directing the U.S. to create a Strategic Bitcoin Reserve and Digital Asset Stockpile to store cryptocurrencies, which the government typically seizes in civil or criminal asset forfeitures. This move would not only help to legitimize these assets, but it could also reduce selling pressure; both the Reserve and the Stockpile would holding the cryptos rather than liquidate them for cash.

在特朗普政府的领导下，美国政府对该行业表现出了更加柔和的立场。 3月，唐纳德·特朗普（Donald Trump）总统签署了一项行政命令，指示美国创建一个战略性的比特币储备和数字资产存储以存储加密货币，政府通常在民事或刑事资产没收中占领了加密货币。此举不仅有助于使这些资产合法化，而且还可以降低销售压力。储备金和库存都将持有加密货币，而不是清算现金。

The cryptocurrency industry has also enjoyed recent wins on the regulatory front. In March, the Securities and Exchange Commission (SEC) decided to drop its appeal against a favorable ruling for XRP's developer, Ripple Labs, which established that its tokens are not securities when sold to retail investors on public exchanges. While Ripple still faces fines related to its sales of XRP to institutional investors, this decision removes a significant overhang for XRP.

加密货币行业也在监管方面赢得了最近的胜利。 3月，美国证券交易委员会（SEC）决定对XRP开发商Ripple Labs的有利裁决提出上诉，该裁决确定其令牌在出售给公共交易所零售投资者时不是证券。尽管Ripple仍然面临与XRP向机构投资者的销售有关的罚款，但该决定消除了XRP的重大悬而未决。

XRP's path to mainstream adoption

XRP的主流采用之路

XRP's long-term success will depend on its mainstream adoption, both as a financial asset and in real-world use cases. The good news is that it has some advantages over its biggest rivals. While Bitcoin was created to function as a store of value and medium of exchange, XRP targets the potentially lucrative market of international payments, currently served by arguably archaic platforms such as the Society for Worldwide Interbank Financial Telecommunication (SWIFT), which was established in 1973.

XRP的长期成功将取决于其主流采用，无论是作为金融资产还是在现实世界中的用例中。好消息是，它比最大的竞争对手具有一些优势。尽管创建比特币是为了作为价值和交换媒介的存储，但XRP的目标是可能是有利可图的国际支付市场，目前可以说是由古老的平台（例如全球银行间财务电信协会（SWIFT））提供的，该市场成立于1973年。

Although Ripple and XRP are unlikely to replace SWIFT anytime soon, they could provide an alternative for small companies and individuals who prioritize speed and low costs.

尽管Ripple和XRP不太可能很快取代Swift，但它们可以为优先级和低成本的小型公司和个人提供替代方案。

According to Business Insider, an outgoing international wire transfer currently costs about $15 to $30 (settling in as long as five days). Using different currencies could add further costs and complexities. XRP solves this problem by acting as a bridge. If someone in the U.S. wants to transfer dollars to Japan (where the yen is used), they could convert their dollars to XRP and use that XRP to buy the Japanese yen.

据商业内部人士称，即将离任的国际电汇目前的费用约为15至30美元（长达5天）。使用不同的货币可能会增加进一步的成本和复杂性。 XRP通过充当桥梁来解决此问题。如果美国的某人想将美元转移到日本（使用日元的地方），他们可以将美元转换为XRP，并使用该XRP购买日元。

Image source: Getty Images.

图像来源：盖蒂图像。

To be fair, pretty much all cryptocurrencies can fill this role, but XRP sets itself apart with its extremely low fee of 0.00001 XRP per transaction, which is a fraction of a cent. For context, Bitcoin currently costs about $1.50 per transaction, while Ethereum costs $0.25 per transaction. These numbers can spike dramatically depending on network traffic.

公平地说，几乎所有加密货币都可以填补这个角色，但是XRP以每笔交易的0.00001 XRP费用为0.00001 XRP，这是一分钱的一小部分。在上下文中，比特币目前每笔交易的价格约为1.50美元，而以太坊的每笔交易成本为0.25美元。这些数字可以大大峰值，具体取决于网络流量。

Is XRP a millionaire-maker cryptocurrency?

XRP是百万富翁制造商加密货币吗？

With a token price of just $2.38 each at the time of writing, XRP looks extremely cheap compared to other leading cryptocurrencies like Bitcoin and Ethereum, which trade for $105,500 and $2,520, respectively. But this tells only half the story. With a market cap of $138 billion, XRP is already the world's fourth-largest crypto.

与其他领先的加密货币（如比特币和以太坊）相比，XRP在写作时的代币价格仅为2.38美元，分别以105,500美元和2,520美元的价格交易。但这只会说明故事的一半。 XRP的市值为1380亿美元，已经是世界第四大加密货币。

The asset's immense size means it is unlikely to repeat the explosive multibagger returns it enjoyed during the past five years. The larger something is, the harder it is to grow.

资产的巨大规模意味着，在过去五年中，不太可能重复其享受的爆炸性多款回报。越大的东西是，生长就越困难。

That said, XRP's recent regulatory wins and potential for mainstream adoption in the international payments industry could set it up for continued market-beating success.

也就是说，XRP最近的监管胜利和在国际支付行业中的主流采用的潜力可能会为持续的市场取得成功设置。