瑞波币（XRP）在支付中还有用吗？

Ripple 是一个区块链网络，其目标是帮助公司（尤其是银行）简化跨境交易。

Ripple (XRP) price has underperformed the market in the past few months. The XRP token was trading at $0.40 on Thursday morning, down by over 40% from its highest point this year. While Bitcoin is hovering near its all-time high, XRP remains 77% below it highest level in April 2021.

瑞波币（XRP）价格在过去几个月表现逊于市场。周四上午，XRP 代币的交易价格为 0.40 美元，较今年最高点下跌了 40% 以上。尽管比特币徘徊在历史高点附近，但 XRP 仍比 2021 年 4 月的最高水平低 77%。

Is Ripple still useful in payments?

瑞波币在支付领域还有用吗？

Ripple is a blockchain network whose goal is to help companies, especially banks, simplify their cross-border transactions.

Ripple 是一个区块链网络，其目标是帮助公司（尤其是银行）简化跨境交易。

Its goal is to solve a key problem that has existed in the financial services industry for many years. This is a challenge where the cost of moving money internationally is expensive and a bit slow. It is often slow because banks are required to hold pre-funded accounts in destination currencies.

其目标是解决金融服务行业多年来存在的一个关键问题。这是一个挑战，因为国际间转移资金的成本昂贵且速度有点慢。它通常很慢，因为银行需要持有以目的地货币计价的预存资金账户。

Ripple’s solution is to partner with banks and offer them its on-demand liquidity (ODL), which makes these transactions cheap and quick. These customers can leverage the XRP to bridge two currencies in three seconds and at a lower cost.

Ripple 的解决方案是与银行合作，为其提供按需流动性（ODL），这使得这些交易变得便宜且快捷。这些客户可以利用 XRP 在三秒内以更低的成本桥接两种货币。

Ripple also works in crypto custody solutions and crypto liquidity. Its technology can also be used by governments seeking to launch their Central Bank Digital Currency (CBDC). It has partnered with companies like Novatti, Palau, RocketFuel, SBI Remit, and Tranglo.

Ripple 还致力于加密货币托管解决方案和加密货币流动性。寻求推出中央银行数字货币（CBDC）的政府也可以使用其技术。它已与 Novatti、Palau、RocketFuel、SBI Remit 和 Tranglo 等公司合作。

Ripple’s XRP underperformance has led to a core question about whether Ripple is still needed in the payment industry.

Ripple的XRP表现不佳引发了一个核心问题：支付行业是否还需要Ripple。

Ripple is facing two main competitors. First, stablecoins have become highly popular in payments in the past few months. Today, Tether (USDT) handles over $50 billion worth of transactions each day. Newer stablecoins like PayPal (PYSD) and Ethena USDe are gaining market share.

Ripple 面临着两个主要竞争对手。首先，过去几个月稳定币在支付领域非常受欢迎。如今，Tether (USDT) 每天处理价值超过 500 亿美元的交易。 PayPal (PYSD) 和 Ethena USDe 等较新的稳定币正在获得市场份额。

Therefore, instead of using Ripple, many companies seeking quick transfers have embraced these stablecoins because of their speed and low costs.

因此，许多寻求快速转账的公司不再使用瑞波币，而是选择了这些稳定币，因为它们速度快、成本低。

Second, some big banks have embraced the concept of tokenization in money movement. This includes companies like ANZ Bank and JP Morgan. These tokenized platforms could move money faster and at a lower cost.

其次，一些大银行已经接受了货币流动中代币化的概念。其中包括澳新银行和摩根大通等公司。这些代币化平台可以更快、更低成本地转移资金。

There are other concerns about Ripple’s ecosystem. First, it is unclear whether the XRPL platform will attract enough developers because of the vast competition in the blockchain industry.

Ripple 的生态系统还有其他一些担忧。首先，由于区块链行业竞争激烈，XRPL平台是否能吸引足够的开发者尚不清楚。

Second, it will take much effort for Ripple’s planned stablecoin to gain market Share because of Tether’s dominance.

其次，由于 Tether 的主导地位，Ripple 计划中的稳定币需要付出很大的努力才能获得市场份额。

XRP price analysis

瑞波币价格分析

The weekly chart shows that the XRP token price topped at $0.9347 after the Ripple vs SEC case verdict in 2023. Since then, it has dropped to a low of $0.40, where it has found substantial support. This price coincides with the ascending trendline shown in black.

周线图显示，2023 年 Ripple 诉 SEC 案件判决后，XRP 代币价格最高达到 0.9347 美元。此后，它已跌至 0.40 美元的低点，并在那里找到了实质性支撑。该价格与黑色显示的上升趋势线一致。

The XRP price has moved below the 50-week moving average while the Relative Strength Index (RSI) has pointed downwards. Therefore, the outlook for the token is bearish, with the next point to watch being at $0.2912, its lowest swing in 2022.

XRP 价格已跌破 50 周移动平均线，而相对强弱指数 (RSI) 则向下。因此，该代币的前景是看跌的，下一个值得关注的点是 0.2912 美元，这是 2022 年的最低波动。