XRP的多方面旅程：从Ripplepay到领先的加密货币

这种破坏银行作品探索了XRP的多方面旅程，提供了XRP的技术基础的详细分析

Prominent cryptocurrency XRP, the native token of the Ripple network, has faced the longest legal battle in crypto history. Yet, it has carved out a distinct niche in digital assets as the go-to medium for cross-border payments, known for speed, cost-effectiveness, and scalability. Today, it ranks 4th by market cap on CoinMarketCap, CoinGecko, and Coinbase. XRP’s tenacious journey so far has piqued the interest of many investors who are now asking how did XRP become a leading cryptocurrency?

波纹网络的本地代币著名的加密货币XRP面临着加密历史上最长的法律斗争。然而，它已经在数字资产中脱颖而出，是跨境支付的首选媒介，以速度，成本效益和可扩展性而闻名。如今，在CoinMarketCap，Coingecko和Coinbase上排名第四。到目前为止，XRP的顽强旅程激起了许多投资者的兴趣，他们现在询问XRP是如何成为领先的加密货币的？

This Disruption Banking piece delves into the multifaceted journey of XRP, providing a detailed analysis of its beginnings, technological underpinnings, adoption by financial institutions, the legal battles it has faced up until March this year, XRP’s market performance as of today, and where it could be heading in the foreseeable future.

这种破坏性的银行作品深入研究了XRP的多方面旅程，对其起点，技术基础，金融机构采用，金融机构采用，今年3月的法律斗争，XRP截至今天的市场绩效以及在可预见的未来可能会出现的地方。

From RipplePay to XRP Ledger: The Origin Story

从Ripplepay到XRP Ledger：起源故事

XRP's story began with a peer-to-peer (P2P) network called "RipplePay," founded by Ryan Fugger in 2004. The aim was to enable direct transactions without intermediaries. Later, in 2011, Jed McCaleb, a Bitcoin pioneer and founder of the Mt. Gox exchange, together with David Schwartz and Arthur Britto, started developing the "XRP Ledger." McCaleb suggested creating a cryptocurrency network, which led to the establishment of OpenCoin in 2012. This company later evolved into "Ripple Labs."

XRP的故事始于由Ryan Fugger于2004年创立的名为“ Ripplepay”的点对点（P2P）网络，其目的是在没有中介机构的情况下实现直接交易。后来，在2011年，比特币先驱者，Gox Exchange的创始人Jed McCaleb与David Schwartz和Arthur Britto一起开始开发“ XRP Ledger”。麦卡莱（McCaleb）建议建立一个加密货币网络，该网络于2012年建立了Opencoin。该公司后来演变为“ Ripple Labs”。

McCaleb joined forces with Chris Larsen to develop the XRP Ledger further. It was officially launched in 2012 with a total supply of 100 billion XRP. Out of this, over 58 billion XRP are in circulation, while the remaining tokens are held in escrow or were given to the team. This pre-mined structure helps to stabilize the Ripple network in contrast to cryptocurrencies like Bitcoin, which rely on mining to introduce new tokens into circulation.

麦卡莱（McCaleb）与克里斯·拉尔森（Chris Larsen）联手进一步开发了XRP Ledger。它于2012年正式推出，总供应量为1000亿xrp。在此过程中，超过580亿XRP在流通，而其余的令牌则在托管中持有或交给了团队。与比特币这样的加密货币形成鲜明对比的是，这种预处理的结构有助于稳定涟漪网络，而比特币等加密货币则依靠采矿将新代币引入循环中。

The project was initially called the "Ripple Consensus Ledger." However, by 2013, it underwent a rebranding to become simply "Ripple," and the token was assigned the ticker "XRP," similar to how BTC is used for Bitcoin.

该项目最初被称为“波纹共识分类帐”。但是，到2013年，它进行了重塑，使其简单地变成了“涟漪”，而代币被分配给了股票“ XRP”，类似于BTC用于比特币的方式。

XRP’s Technological Edge: Speed, Scale, Sustainability

XRP的技术优势：速度，规模，可持续性

XRP boasts advanced technology. The XRP Ledger is a decentralized blockchain designed for enterprise use. It can settle payments within 3 to 5 seconds and handles up to 1,500 transactions per second. For context, Bitcoin can handle around 7 transactions per second, and Ethereum manages about 15. Of course, Bitcoin has improved throughput with the introduction of the Lightning Network, and Ethereum recently had a planned upgrade to increase throughput, although this didn’t necessarily address the speed of the network.

XRP拥有高级技术。 XRP Ledger是设计用于企业使用的分散区块链。它可以在3到5秒内解决付款，并最多处理每秒1,500件交易。对于上下文，比特币可以每秒处理约7次交易，以太坊管理大约15个交易。当然，随着闪电网络的引入，比特币改善了吞吐量，而以太坊最近进行了计划的升级以增加吞吐量，尽管这不一定要解决网络的速度。

XRP’s unique Federated Byzantine Agreement (FBA) uses a network of trusted validators, selected by both Ripple and community nodes, to confirm transactions without the energy-intensive process of mining. This aspect appeals to investors who are drawn to sustainability in their investments.

XRP独特的联合拜占庭协议（FBA）使用由Ripple和社区节点选择的受信任验证者网络，以确认没有能源密集型采矿过程的交易。这一方面吸引了吸引其投资可持续性的投资者。

Furthermore, transaction fees are minimal, at just $0.0002 per transaction, making it ideal for both small and high-volume transfers. The ledger’s Payment Channels enable many payments to settle together, boosting capacity to tens of thousands of transactions per second.

此外，交易费用最低，每笔交易仅为0.0002美元，因此非常适合小型和高量转移。该分类帐的付款渠道使许多付款能够共同解决，从而将能力提高到每秒成千上万的交易。

Additionally, XRP functions as a bridge currency within RippleNet, facilitating rapid currency conversions and reducing costs for institutions engaging in cross-border payments.

此外，XRP在Ripplenet中充当桥梁货币，促进了快速货币转换，并降低了从事跨境支付的机构的成本。

Thanks to these features and substantial corporate support, XRP has risen to become a top cryptocurrency.

得益于这些功能和大量的公司支持，XRP已崛起成为顶级加密货币。

Global Reach: XRP’s Financial Partnerships

全球范围：XRP的财务合作伙伴关系

To a large extent, XRP’s ascent to the forefront of the cryptocurrency scene is linked to its adoption by financial institutions worldwide. This adoption is being driven by RippleNet and its On-Demand Liquidity (ODL) solutions.

在很大程度上，XRP在加密货币现场的最前沿的上升与全球金融机构的采用有关。这种采用是由Ripplenet及其按需流动性（ODL）解决方案驱动的。

RippleNet, Ripple’s enterprise blockchain network, empowers banks and payment providers to conduct seamless cross-border transactions by leveraging XRP as a bridge asset for instant liquidity. This capability has streamlined remittances and international payments, which traditional systems often encumber with delays and high costs.

Ripplenet，Ripple，Ripple的企业区块链网络，使银行和付款提供商能够通过利用XRP作为即时流动性的桥梁资产来进行无缝的跨境交易。这种能力简化了汇款和国际付款，传统系统通常会付出延误和高昂的成本。

Here are some of XRP’s key partnerships/collaborations so far:

这是迄今为止XRP的一些主要合作伙伴/合作：

* In 2023 alone, institutions in eight countries joined RippleNet, showcasing the technology's global appeal.

*仅在2023年，八个国家的机构就加入了Ripplenet，展示了该技术的全球吸引力。

* In February 2023, MoneyGram, a global leader in money transfer services, began using ODL for U.S.-to-Philippine pay-out flows, marking a significant step in their collaboration.

* 2023年2月，汇款服务全球领导者Moneygram开始使用ODL将ODL用于美国到菲律宾的支出流量，这标志着他们的合作迈出了重要一步。

* December 2022 saw Egyptian bank handling MenaPay rolling out cross-border payments to Nigeria via ODL, expanding financial services in the region.

* 2022年12月，埃及银行处理Menapay通过ODL向尼日利亚付款，扩大了该地区的金融服务。

* October 2022 saw a partnership with Dufry, a leading travel retailer in Europe, to explore blockchain solutions for duty-free and travel retail transactions.

* 2022年10月，与欧洲领先的旅行零售商Dufry建立了合作伙伴关系，以探索区块链解决方案的免税和旅行零售交易。

* September 2022 saw the integration of blockchain technology by several financial institutions in Southeast Asia to streamline cross-border payments.

* 2022年9月，东南亚的几家金融机构将区块链技术的整合到简化了跨境支付。