Ripple（XRP）是百万富翁制造者吗？

许多投资者认为加密货币是未来。 MicroStrategy（纳斯达克股票代码：MSTR）董事长 Michael Saylor 认为比特币（CRYPTO：BTC）是未来 100 年唯一值得持有的货币。

Many investors believe that cryptocurrencies are the wave of the future. MicroStrategy (NASDAQ: MSTR) chairman Michael Saylor sees Bitcoin (CRYPTO: BTC) as the only currency worth holding for the next 100 years. Cathie Wood, a well-known growth investor, anticipates that digital assets will significantly alter financial markets on a global scale. But these famous crypto bulls almost always highlight Bitcoin, maybe tossing a few bones to the Ethereum (CRYPTO: ETH) smart contracts system. If tomorrow's millions will be made from Bitcoin and Ethereum investments, is there any room for Ripple (CRYPTO: XRP) millionaires in the crypto market?

许多投资者认为加密货币是未来的潮流。 MicroStrategy（纳斯达克股票代码：MSTR）董事长 Michael Saylor 认为比特币（CRYPTO：BTC）是未来 100 年唯一值得持有的货币。著名成长型投资者 Cathie Wood 预计，数字资产将显着改变全球范围内的金融市场。但这些著名的加密货币多头几乎总是强调比特币，也许还会向以太坊（CRYPTO：ETH）智能合约系统扔一些骨头。如果明天的数百万美元将来自比特币和以太坊投资，那么加密货币市场上还有 Ripple （加密货币：XRP）百万富翁的空间吗？

Let's compare Bitcoin and XRP to see how they differ and whether XRP can make you a millionaire.

让我们比较一下比特币和 XRP，看看它们有何不同，以及 XRP 是否能让您成为百万富翁。

How XRP's use case sets it apart from Bitcoin

XRP 的用例如何将其与比特币区分开来

Both XRP and Bitcoin are cryptocurrencies. They use publicly accessible transaction ledgers that are protected against unauthorized modification and other frauds by several layers of rock-solid encryption.

XRP 和比特币都是加密货币。他们使用可公开访问的交易分类账，通过多层坚如磐石的加密来防止未经授权的修改和其他欺诈。

And that's essentially the end of similarities between these two assets. Bitcoin was made to store monetary value for the long haul, and its design documents compare this ledger to physical gold. The shiny metal is a rare element that is expensive to find and extract from ore veins in the earth. Bitcoin is a digital coin with a limited supply enforced by the underlying computer code. There will never be more than 21 million Bitcoins, and 94% of that supply is already circulating on the open market.

这基本上就是这两种资产之间相似之处的终结。比特币的诞生是为了长期存储货币价值，其设计文件将这种账本与实物黄金进行了比较。这种闪亮的金属是一种稀有元素，从地球的矿脉中寻找和提取的成本很高。比特币是一种数字货币，其供应量由底层计算机代码强制执行。比特币的数量永远不会超过 2100 万个，而且其中 94% 的供应量已经在公开市场上流通。

XRP also has a limited supply, but was designed with very different goals in mind. This is the functional token of the RippleNet payments service, managed by Ripple Labs in partnership with dozens of local banks around the world. Its purpose is to move money across international borders with low fees, fast transactions, and unbreakable security. XRP tokens have carried more than $2.8 trillion around the world since the system was created in 2012.

XRP 的供应量也有限，但其设计目标却截然不同。这是 RippleNet 支付服务的功能代币，由 Ripple Labs 与全球数十家当地银行合作管理。其目的是以低廉的费用、快速的交易和牢不可破的安全性跨境转移资金。自 2012 年该系统创建以来，XRP 代币在全球的流通量已超过 2.8 万亿美元。

RippleNet's efficiency could revolutionize global payments

RippleNet 的效率可能会彻底改变全球支付

So the question is not whether XRP can measure up to Bitcoin, but whether there's a place for RippleNet's international money transfers in the long run. If you have recently sent money abroad or received a payment from overseas, you'll probably give that idea a huge thumbs-up.

因此，问题不在于 XRP 能否与比特币相媲美，而在于从长远来看，RippleNet 的国际汇款是否有一席之地。如果您最近向国外汇款或收到来自海外的付款，您可能会对这个想法竖起大拇指。

Border-crossing payments often take days to process, with several go-betweens extracting fees along the way. They also tend to come with unfavorable exchange rates, keeping more money in the payment processors' pockets. RippleNet charges 0.00001 XRP per transaction today, even for very large money transfers. That works out to about 50 millionths of a dollar per transfer, or 5 thousandths of a cent. Each transaction is settled in three to six seconds.

跨境支付通常需要数天的时间才能处理完毕，中间会有几个中间人收取费用。它们的汇率也往往不利，从而使支付处理商的口袋里有更多的钱。 RippleNet 目前对每笔交易收取 0.00001 XRP，即使是非常大的资金转账也是如此。算下来，每次转账大约需要 50 百万分之 1 美元，即千分之 5 美分。每笔交易在三到六秒内完成。

So yeah, there are real reasons to prefer Ripple and XRP over old-school banking processes. This is already a successful service, very likely to grow larger over time as people get used to cryptocurrencies in daily life.

所以，是的，我们有真正的理由选择 Ripple 和 XRP 而不是老式的银行流程。这已经是一项成功的服务，随着人们在日常生活中习惯加密货币，它很可能会随着时间的推移而变得更大。

Where XRP might go after overcoming the SEC challenge

XRP 在克服 SEC 挑战后可能走向何方

XRP has long struggled in the shadow of a legal challenge from the U.S. Securities and Exchange Commission (SEC), which challenged the way Ripple Labs sold tokens to investors without first registering them as stock-like securities. The courts have sided with Ripple, and the SEC might not file an appeal of that verdict. The deadline for that filing is October 7, giving the Commission less than a month to decide.

XRP 长期以来一直在美国证券交易委员会 (SEC) 的法律挑战的阴影下苦苦挣扎，该委员会对 Ripple Labs 在没有首先将代币注册为股票类证券的情况下向投资者出售代币的方式提出了挑战。法院站在 Ripple 一边，美国证券交易委员会可能不会对该判决提出上诉。该申请的截止日期是 10 月 7 日，委员会有不到一个月的时间做出决定。

The cryptocurrency did not skyrocket when this legal matter got its final verdict. The coin price fell more than 50% when the SEC filed its lawsuit in December 2020, and XRP's chart has looked like a cross between Ethereum and Bitcoin since then.

当这个法律问题得到最终裁决时，加密货币并没有暴涨。当 SEC 于 2020 年 12 月提起诉讼时，XRP 的价格下跌了 50% 以上，从那时起，XRP 的图表看起来就像是以太坊和比特币的交叉点。

From a pure market mechanics perspective, XRP looks like a lower-priced version of Bitcoin. But the two currencies are fundamentally different, so that may not be a fair analysis.

从纯粹的市场机制角度来看，XRP 看起来像是比特币的低价版本。但这两种货币本质上不同，因此这可能不是一个公平的分析。

It's hard to say exactly how far XRP might rise from today's $0.56 per token. Still, I do expect the RippleNet payments service to gain traction over the years, and the XRP token should gain value accordingly. I won't call XRP a get-rich-quick idea, but the token does seem undervalued today and patient investors should pocket significant returns in the long haul.

很难确切地说 XRP 可能会从目前每枚 0.56 美元的价格上涨多少。尽管如此，我确实预计 RippleNet 支付服务多年来会受到关注，而 XRP 代币也应该相应地获得价值。我不会将 XRP 称为快速致富的想法，但该代币如今似乎确实被低估了，耐心的投资者应该从长远来看获得可观的回报。

In other words, XRP could very well make millions for its investors the usual way -- through patient long-term investing in a valuable business idea.

换句话说，XRP 很可能以通常的方式为投资者赚取数百万美元——通过耐心地长期投资于一个有价值的商业理念。

Should you invest $1,000 in XRP right now?

您现在应该投资 1,000 美元 XRP 吗？

Before you buy stock in XRP, consider this:

在购买 XRP 股票之前，请考虑以下因素：

The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and XRP wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.

Motley Fool Stock Advisor 分析师团队刚刚确定了他们认为投资者现在最值得购买的 10 只股票……而 XRP 并不是其中之一。入选的 10 只股票可能会在未来几年产生巨额回报。

Consider when Nvidia made this list on April 15, 2005... if you invested $1,000

考虑一下 Nvidia 在 2005 年 4 月 15 日发布此列表时...如果您投资了 1,000 美元