XRP太大了吗？ AI选择更好的赌注：XCN或XLM

您是否正在考虑将钱扔给XRP？好吧，我们试图探索一些连锁反应的替代方案，而AI考虑XRP已经有一个巨大的市值。

XRP has surged in 2024 as the Ripple lawsuit nears resolution and institutional interest in the token grows. However, XRP's massive market cap of nearly $130 billion at current prices might make it difficult to realize substantial short-term gains.

XRP在2024年飙升，因为波纹诉讼涉及令牌增长的解决方案和机构利益。但是，XRP以当前价格的巨大市值为1300亿美元可能会使很难实现大量的短期收益。

If you're an investor who aligns with XRP's mission of improving cross-border payments and upgrading financial infrastructure but prefers tokens with greater growth potential, smaller-cap alternatives might be worth considering.

如果您是XRP的使命，即改善跨境支付和升级金融基础设施，但更喜欢代币具有更大的增长潜力，则值得考虑的较小额定替代方案。

Two such tokens that could be of interest are XCN (Onyxcoin) and XLM (Stellar).

两个可能感兴趣的令牌是XCN（Onyxcoin）和XLM（恒星）。

XCN: The DeFi Innovator

XCN：Defi Innovator

Onyxcoin (XCN) token is priced at around $0.021 with a market cap of approximately $700 million. It operates on the Ethereum blockchain and focuses on institutional-grade DeFi, NFT-backed lending, and smart contract-based asset operations.

Onyxcoin（XCN）令牌的价格约为0.021美元，市值约为7亿美元。它在以太坊区块链上运行，并专注于机构级规定，NFT支持的贷款和基于智能合同的资产运营。

XCN offers considerably higher upside potential due to its lower market cap and provides use cases beyond simple payments with its built-in NFT collateralization for unique utilities. The platform features deep DeFi integration, supporting borrowing, lending, unified balances, and protocol-layer functionality.

XCN由于其较低的市场上限提供了更高的上升潜力，并提供了简单付款的用例，其内置的NFT抵押品为独特的公用事业提供了。该平台具有深度的Fefi集成，支持借贷，贷款，统一余额和协议层功能。

Recently, Onyxcoin underwent a rebranding effort, which could bring fresh momentum to the project. However, XCN remains relatively unknown to retail investors. Its deployment on Ethereum exposes it to gas fees and network stability issues. The coin also has limited exchange support compared to XRP or XLM and needs to develop more real-world institutional partnerships to fully match XRP’s vision.

最近，Onyxcoin进行了重新品牌的努力，这可能为该项目带来新的动力。但是，XCN对于零售投资者仍然相对不明清楚。它在以太坊上的部署将其暴露于汽油费和网络稳定性问题。与XRP或XLM相比，硬币的交换支持也有限，需要建立更多现实的机构合作伙伴关系以完全匹配XRP的愿景。

XLM: The Established Player

XLM：已建立的球员

Stellar’s (XLM) token is trading at around $0.27 with a market cap of approximately $8.5 billion. Its focus includes global payments, fiat on/off ramps, CBDC development, and asset bridges.

Stellar的（XLM）令牌的交易价格约为0.27美元，市值约为85亿美元。它的重点包括全球付款，命令开/关坡道，CBDC开发和资产桥梁。

Stellar benefits from being a mature network with over a decade of operation. Co-founded by Jed McCaleb, one of XRP’s original architects, Stellar has partnerships with major players like IBM and MoneyGram. The ecosystem offers stable, near-instant transactions with minimal fees, and its longevity provides lower risk.

恒星受益于拥有十多年操作的成熟网络。由XRP的原始建筑师之一Jed McCaleb共同创立，Stellar与IBM和Moneygram等主要参与者建立了伙伴关系。生态系统提供稳定的，近乎固有的交易，费用最低，其寿命可提供较低的风险。

However, XLM's higher market cap limits its growth potential compared to other tokens. Its retail-focused adoption has outpaced institutional traction, and some investors question its pre-mined tokenomics from a decentralization perspective.

但是，与其他令牌相比，XLM较高的市值限制了其增长潜力。它以零售为重点的采用已经超过了机构的吸引力，一些投资者从权力下放的角度质疑其预先开采的令牌组学。

Making Your Choice

做出选择

When deciding between these tokens, consider your investment priorities:

在这些令牌之间做出决定时，请考虑您的投资优先级：

If stability, established partnerships, and smoother adoption matter most to you, then XLM represents the safer bet. It’s essentially the “Litecoin to XRP’s Bitcoin” – proven, efficient, and widely accessible.

如果稳定，建立的合作伙伴关系和对您的采用更顺畅，那么XLM代表更安全的赌注。从本质上讲，这是“ XRP比特币的Litecoin” - 经过证明，高效且广泛访问。

If you’re seeking higher upside potential and early-stage innovation with DeFi integration, then XCN has the advantage. With a market cap of only $700 million and broader infrastructure capabilities including NFT collateralization and smart DeFi lending, XCN positions itself as a next-generation version of what XRP started.

如果您正在寻求更高的上升潜力和通过Defi集成的早期创新，那么XCN就具有优势。 XCN的市值仅为7亿美元，包括NFT抵押和智能贷款（包括NFT抵押和智能贷款），将自己定位为XRP启动的下一代版本。

Both XLM and XCN offer compelling alternatives to XRP, but they target different investor profiles. Choose XLM for security and credibility, or bet on XCN for potential upside and innovation.

XLM和XCN都提供了XRP的引人注目的替代方案，但它们针对不同的投资者资料。选择XLM以获得安全性和信誉，或在XCN上押注潜在上行和创新。