Ripple USD，PayPal USD，Stablecoin购买：2025年驾驶Stablecoin景观

深入研究Ripple USD（RLUSD），PayPal USD（PYUSD）和更广泛的Stablecoin市场，探索了2025年的效用，整合和投资潜力。

Ripple USD, PayPal USD, Stablecoin Buy: Navigating the Stablecoin Landscape in 2025

Ripple USD，PayPal USD，Stablecoin购买：2025年驾驶Stablecoin景观

The stablecoin market is heating up! With players like Ripple USD and PayPal USD making waves, understanding the landscape is crucial. Let's break down the key trends and insights for anyone looking to buy stablecoins.

Stablecoin市场正在加热！随着Ripple USD和PayPal Usd等球员的浪潮，了解景观至关重要。让我们打破任何希望购买稳定币的人的关键趋势和见解。

Ripple USD vs. PayPal USD: A Head-to-Head

Ripple USD与PayPal USD：正面

Ripple USD (RLUSD), launched in late 2024, and PayPal USD (PYUSD), which came out in 2023, are both dollar-backed stablecoins aiming for stability in the volatile crypto world. While both strive to maintain that $1 peg, they have key differences.

Ripple USD（RLUSD）于2024年底推出，而PayPal USD（Pyusd）于2023年发行，都是美元支持的Stablecoins，目的是在挥发性加密世界中稳定。两者都努力保持1美元的钉子，但它们的关键差异。

PYUSD boasts a larger market cap and the backing of PayPal's massive user base and established financial network. This gives it an edge in terms of liquidity and accessibility. RLUSD, on the other hand, leverages the XRP Ledger and Ethereum, positioning itself as a cheaper and faster alternative for traditional transfers.

Pyusd拥有更大的市值以及PayPal的大量用户群和建立的财务网络的支持。这使它在流动性和可及性方面具有优势。另一方面，RLUSD利用XRP Ledger和以太坊，将自己定位为传统转移的便宜，更快的替代方案。

Why Buy Stablecoins Anyway?

为什么还是要购买stablecoins？

Okay, so they're not going to moon. But stablecoins offer several compelling advantages. They can be used for fast, low-cost cross-border transfers without a bank account, protect savings in countries with hyperinflation, and act as a bridge between volatile assets. Plus, you can lend them out on CeFi/DeFi platforms to earn yields!

好吧，所以他们不会上月球。但是，稳定币具有几种令人信服的优势。它们可用于无银行帐户的快速，低成本的跨境转移，保护过度通货膨胀的国家的储蓄，并充当波动资产之间的桥梁。另外，您可以将它们借给CEFI/DEFI平台以赚取收益率！

Cardano's XRP and RLUSD Integration Plans

Cardano的XRP和RLUSD集成计划

Charles Hoskinson, the founder of Cardano, has been vocal about integrating XRP and RLUSD into the Cardano ecosystem. This includes wallet support, a DeFi execution layer, and a standardized route for RLUSD to deploy across multiple ecosystems. The goal is to make it easier for XRP projects to onboard to Cardano infrastructure.

卡尔达诺（Cardano）的创始人查尔斯·霍斯金森（Charles Hoskinson）一直在将XRP和RLUSD集成到Cardano生态系统中。这包括钱包支撑，Defi执行层以及RLUSD跨多个生态系统部署的标准化路由。目的是使XRP项目更容易在Cardano基础架构上。

Hoskinson envisions a self-service listing model for RLUSD, similar to Coinbase's Rosetta, to ensure neutral and scalable expansion across chains.

霍斯金森（Hoskinson）设想了与Coinbase的Rosetta类似的RLUSD的自助服务清单模型，以确保跨链的中性和可扩展扩展。

PayPal USD on Stellar: A Game Changer?

PayPal USD在Stellar上：改变游戏规则的人？

PYUSD has officially launched on the Stellar blockchain, unlocking faster and lower-cost payments. This integration leverages Stellar's infrastructure and recent Protocol 23 upgrade (Whisk), which boosts network throughput to 5,000 transactions per second.

Pyusd已正式在恒星区块链上推出，从而更快，更低的成本付款。这种集成利用了Stellar的基础架构和最近的协议23升级（WHISK），该协议将网络吞吐量提高到每秒5,000笔交易。

Stellar is becoming a hub for stablecoins, with the addition of yield-bearing stablecoins like USDY. This is strengthening Stellar’s ecosystem and making it a competitive choice for payment solutions.

Stellar正在成为稳定蛋白的枢纽，并增加了像Usdy这样的承重稳定蛋白。这正在增强Stellar的生态系统，并使其成为付款解决方案的竞争选择。

Paxos and the Future of Stablecoin Regulation

Paxos和Stablecoin法规的未来

Paxos is pushing boundaries with USDH, a stablecoin designed to comply with the GENIUS Act and MiCA regulations. This shows a commitment to regulatory compliance and bridging the gap between traditional finance and the crypto world.

Paxos正在用USDH推动边界，这是一种符合天才法规和云母法规的稳定菌。这表明了对监管合规性的承诺，并弥合了传统金融与加密货币世界之间的差距。

Paxos plans to use the interest earned from USDH reserves to buy back Hyperliquid’s native token HYPE, redistributing it to users and partners, aligning incentives within the ecosystem.

Paxos计划利用USDH储备金从Hyperliquid的本地令牌炒作中回购的利息，将其重新分配给用户和合作伙伴，从而使生态系统中的激励措施保持一致。

The Bottom Line: Which Stablecoin to Buy?

最重要的是：要购买哪种稳定币？

Both RLUSD and PYUSD are reliable options. PYUSD benefits from PayPal's established network and larger market cap. The integration of PYUSD on Stellar is also exciting, with faster and cheaper transaction fees. RLUSD offers a potentially cheaper and faster alternative transfer using XRP ledger and Ethereum.

RLUSD和PYUSD都是可靠的选项。 Pyusd从PayPal的既定网络和更大的市值中受益。 Pyusd在恒星上的整合也令人兴奋，并具有更快，更便宜的交易费用。 RLUSD使用XRP分类帐和以太坊提供了更便宜，更快的替代转移。

Ultimately, the best stablecoin for you depends on your specific needs and risk tolerance. Do your research, consider the underlying technology and regulatory landscape, and choose the one that aligns with your investment goals.

最终，最适合您的稳定性取决于您的特定需求和风险承受能力。进行研究，考虑潜在的技术和监管格局，然后选择与您的投资目标保持一致的技术。

Final Thoughts

最后的想法

The stablecoin market is dynamic and constantly evolving. Whether you're a seasoned crypto investor or just dipping your toes in the water, staying informed about the latest developments is key. So, keep an eye on Ripple USD, PayPal USD, and the broader stablecoin ecosystem – it's gonna be a wild ride!

Stablecoin市场是动态的，并且不断发展。无论您是经验丰富的加密货币投资者，还是仅将脚趾浸入水中，请了解最新发展都是关键的。因此，请密切关注Ripple USD，PayPal USD和更广泛的Stablecoin生态系统 - 这将是一次疯狂的旅程！