XRP的发展超出了付款，现在为金融，游戏，NFT等提供动力

XRP Ledger支持Defi应用程序，代币掉期和贷款 - 比以太坊更便宜。

People often associate XRP with cross-border payments, highlighting its speed and minimal fees. However, there's a deeper transformation unfolding with the XRP ecosystem. Initially known for payments, XRP is now encompassing a broader vision of a decentralized future, touching upon finance, gaming, and government institutions.

人们经常将XRP与跨境支付相关联，突出了其速度和最低费用。但是，XRP生态系统正在进一步发展。 XRP最初以付款而闻名，现在涵盖了对分散的未来的更广泛的愿景，涉及财务，游戏和政府机构。

The XRP Ledger (XRPL) is now supporting decentralized finance (DeFi) with token swaps, lending applications, and tokenized assets. In contrast to Ethereum, which focuses largely on smart contracts, XRPL keeps things fast and cheap.

XRP Ledger（XRPL）现在通过令牌交换，贷款应用和令牌资产支持分散的财务（DEFI）。与主要关注智能合约的以太坊相反，XRPL使事情变得快速，便宜。

Despite the rapid development of decentralized technologies, they haven't yet reached the mainstream. High minimum transaction amounts and gas fees on smart contract chains pose a barrier to user adoption.

尽管分散技术的发展迅速，但它们尚未达到主流。智能合同链上的高最低交易金额和汽油费构成了用户采用的障碍。

XRPL is different. It’s already used by millions of people, and it's focused on low transaction costs. Developers can build faster, users can transact cheaper, and financial tools are being redesigned from the ground up. This is XRP stepping into a much larger role.

XRPL不同。它已经被数百万人使用，并且专注于低交易成本。开发人员可以更快地建造，用户可以便宜地交易，并且正在从头开始重新设计财务工具。这是XRP踏入更大的角色。

Real estate, gold, and other valuable assets can be easily tokenized on XRPL. Imagine trading a house or a gold bar on the blockchain in seconds, without banks or middlemen. That's the kind of utility XRPL provides, and it could bring blockchain into everyday life.

房地产，黄金和其他有价值的资产可以轻松地在XRPL上进行象征化。想象一下，在没有银行或中间商的情况下，在几秒钟内在区块链上交易房屋或金条。这就是XRPL提供的实用性，它可以将区块链带入日常生活。

Moreover, XRP's low fees enable micro-payments. Platforms like Coil allow users to pay creators per article or stream small payments while watching videos, setting the stage for new business models in the online world.

此外，XRP的低费用可实现微付款。诸如COIL之类的平台允许用户在观看视频时每篇文章付款或流式付款，为在线世界中的新业务模型树立舞台。

The XRP Ledger is also becoming more versatile with features like “Hooks” and the EVM sidechain, allowing developers to build apps with smart contracts and connect to Ethereum tools.

XRP Ledger还具有“钩子”和EVM Sidechain之类的功能，使开发人员可以使用智能合约构建应用程序并连接到以太坊工具。

With built-in support for NFTs and gaming assets, XRP is attracting creators and gamers seeking cheaper and faster platforms to build and play in.

凭借对NFT和游戏资产的内置支持，XRP吸引了创建者和游戏玩家寻求更便宜，更快的平台来建造和播放。

Institutions are already joining the ecosystem. Ripple is collaborating with countries like Bhutan and Palau to build their central bank digital currencies, while major banks are utilizing XRP for rapid cross-border payments.

机构已经加入了生态系统。 Ripple正在与不丹和帕劳等国家合作，以建立中央银行的数字货币，而主要银行则利用XRP进行快速跨境支付。

Finally, the Interledger Protocol (ILP) connects XRPL to other blockchains and financial systems, serving as the foundation for what Ripple calls the “Internet of Value.” This protocol allows different ledgers to speak to each other, breaking down the barriers between blockchains and traditional financial institutions.

最后，Interledger协议（ILP）将XRPL连接到其他区块链和金融系统，这是波纹称为“价值互联网”的基础。该协议允许不同的分类帐相互交谈，打破了区块链和传统金融机构之间的障碍。