什么是加密货币？市值最大的 10 种加密货币指南

从比特币和以太坊到狗狗币和 Tether，有数千种不同的加密货币，这让那些首先考虑的人感到不知所措

There are thousands of cryptocurrencies available, making it difficult for beginners to choose where to start. Here are 10 cryptocurrencies to consider based on their market capitalisation.

有数千种可用的加密货币，使初学者很难选择从哪里开始。根据市值，可以考虑以下 10 种加密货币。

1. Bitcoin (BTC)

1. 比特币（BTC）

2. Ethereum (ETH)

2.以太坊（ETH）

3. Tether (USDT)

3. 泰达币（USDT）

4. BNB (Binance Coin)

4.BNB（币安币）

5. Solana (SOL)

5. 索拉纳 (SUN)

6. US Dollar Coin (USDC)

6.美元硬币（USDC）

7. Ripple (XRP)

7.瑞波币（XRP）

8. Toncoin (TON)

8.东币（TON）

9. Dogecoin (DOGE)

9.狗狗币（DOGE）

10. Cardano (ADA)

10.卡尔达诺（ADA）

Cryptocurrency is a high-risk digital asset that can circulate without the centralised authority of a bank or government. To date, there are over 26,000 cryptocurrency projects out there that represent the entire £917 billion crypto market.

加密货币是一种高风险的数字资产，无需银行或政府的集中授权即可流通。迄今为止，已有超过 26,000 个加密货币项目，代表了整个 9170 亿英镑的加密市场。

A cryptocurrency is a high-risk digital asset that can circulate without the centralised authority of a bank or government. To date, there are over 26,000 cryptocurrency projects out there that represent the entire £917 billion crypto market.

加密货币是一种高风险的数字资产，无需银行或政府的集中授权即可流通。迄今为止，已有超过 26,000 个加密货币项目，代表了整个 9170 亿英镑的加密市场。

This content is not intended to help you decide whether or not to invest in cryptocurrency. If you decide to invest in cryptocurrency or in any other investment, you should always obtain appropriate financial advice and only invest what you can afford to lose.

本内容无意帮助您决定是否投资加密货币。如果您决定投资加密货币或任何其他投资，您应该始终获得适当的财务建议，并且只投资您可以承受损失的金额。

Created in 2009 by Satoshi Nakamoto, Bitcoin (BTC) is the original cryptocurrency. As with most cryptocurrencies, BTC runs on a blockchain, or a ledger logging transactions distributed across a network of thousands of computers. Because additions to the distributed ledgers must be verified by solving a cryptographic puzzle, a process called proof of work, Bitcoin is intended to be kept secure and safe from fraudsters.

比特币（BTC）由中本聪于 2009 年创建，是最初的加密货币。与大多数加密货币一样，比特币运行在区块链上，或者是记录分布在数千台计算机网络上的交易的账本上。由于分布式账本的添加必须通过解决加密难题（称为工作量证明的过程）来验证，因此比特币旨在保持安全并免受欺诈者的侵害。

Bitcoin’s price has both skyrocketed and plummeted over its lifetime. In May 2016, the price of a single Bitcoin was worth about £370. As of11 July 2024, the figure is around £45,313.

比特币的价格在其生命周期中既暴涨又暴跌。 2016 年 5 月，单个比特币的价格约为 370 英镑。截至 2024 年 7 月 11 日，这一数字约为 45,313 英镑。

The graph below displays the past performance of Bitcoin. Past performance is not a reliable indicator of future results.

下图显示了比特币过去的表现。过去的表现并不是未来结果的可靠指标。

Both a cryptocurrency and a blockchain platform, Ethereum is a favourite of some programme developers because of its potential applications, like so-called smart contracts that automatically execute when conditions are met and non-fungible tokens (NFTs).

以太坊既是一种加密货币，也是一个区块链平台，因其潜在的应用而受到一些程序开发人员的喜爱，例如在满足条件时自动执行的所谓智能合约和不可替代代币（NFT）。

Ethereum’s price has also experienced tremendous fluctuations in value.

以太坊的价格也经历了巨大的价值波动。

From April 2016 to the 11 July 2024, its price went from about £8 to around £2,453. At its peak in November 2021, its value was £3,400, which demonstrates its volatility.

从2016年4月到2024年7月11日，其价格从约8英镑升至约2,453英镑。在 2021 年 11 月的峰值时，其价值为 3,400 英镑，这表明了其波动性。

The graph below displays the past performance of Ethereum. Past performance is not a reliable indicator of future results.

下图显示了以太坊过去的表现。过去的表现并不是未来结果的可靠指标。

Unlike some other forms of cryptocurrency, Tether (USDT) is a stablecoin, meaning it’s pegged to fiat currencies like US dollars and the Euro and hypothetically keeps a value equal to one of those denominations.

与其他一些形式的加密货币不同，Tether (USDT) 是一种稳定币，这意味着它与美元和欧元等法定货币挂钩，并假设保持与其中一种面额相等的价值。

In theory, this means Tether’s value is supposed to be more consistent than other cryptocurrencies, and it’s preferred by some investors who are wary of the extreme volatility of other coins. However, it has fallen below its $1 peg in the past.

从理论上讲，这意味着 Tether 的价值应该比其他加密货币更加一致，并且受到一些对其他加密货币极端波动持谨慎态度的投资者的青睐。然而，它过去曾跌破 1 美元。

The graph below displays the past performance of Tether. Past performance is not a reliable indicator of future results.

下图显示了 Tether 过去的表现。过去的表现并不是未来结果的可靠指标。

Investments in a currency other than sterling, are exposed to currency exchange risk. Currency exchange rates are constantly changing which may therefore affect the value of the investment in sterling terms. You could lose money in sterling even if the stock price rises in the currency of origin.

投资英镑以外的货币会面临货币兑换风险。货币汇率不断变化，因此可能会影响以英镑计算的投资价值。即使股票价格以原币计算上涨，您也可能会亏损英镑。

Binance Coin is a form of cryptocurrency. At its launch in 2017 it was priced under 10p. It peaked at around £484 in July 2017 and, as of 11 July 2024, its value was at £413.

币安币是加密货币的一种形式。 2017 年推出时，价格低于 10 便士。 2017 年 7 月，其价格达到峰值约 484 英镑，截至 2024 年 7 月 11 日，其价值为 413 英镑。

The graph below displays the past performance of BNB (formerly Binance Coin). Past performance is not a reliable indicator of future results.

下图显示了 BNB（原币安币）过去的表现。过去的表现并不是未来结果的可靠指标。

Investments in a currency other than sterling, are exposed to currency exchange risk. Currency exchange rates are constantly changing which may therefore affect the value of the investment in sterling terms. You could lose money in sterling even if the stock price rises in the currency of origin.

投资英镑以外的货币会面临货币兑换风险。货币汇率不断变化，因此可能会影响以英镑计算的投资价值。即使股票价格以原币计算上涨，您也可能会亏损英镑。

Developed to help power decentralised finance (DeFi) uses, decentralised apps (DApps) and smart contracts, Solana runs on a unique hybrid proof-of-stake and proof-of-history mechanisms intended to process transactions quickly and securely. SOL, Solana’s native token, powers the platform.

Solana 旨在帮助支持去中心化金融 (DeFi) 使用、去中心化应用程序 (DApp) 和智能合约，它运行在独特的混合股权证明和历史证明机制上，旨在快速、安全地处理交易。 SOL 是 Solana 的原生代币，为该平台提供动力。

When it launched in 2020, SOL’s price started at £0.57. It peaked at the end of October 2021 at approximately £191. Then on 11 July 2024 its price was around £110

SOL 于 2020 年推出时，起价为 0.57 英镑。其价格在 2021 年 10 月底达到峰值，约为 191 英镑。然后到 2024 年 7 月 11 日，其价格约为 110 英镑