XRP价格预测：加密货币市场目前价值约3万亿美元。在过去的三年中，市场的总回报率为72％（每年约20％）。

晨星分析师预计，到2034年底，市场将达到7.8万亿美元，这是一项明智的估计，这意味着在未来十年（每年约10％）中总回报率为160％。

The cryptocurrency market is currently worth about $3 trillion. The market produced a total return of 72% (about 20% annually) during the past three years. Morningstar analysts expect the market to reach $7.8 trillion by the end of 2034, a sensible estimate that implies a total return of 160% in the next decade (about 10% annually).

加密货币市场目前价值约3万亿美元。在过去的三年中，市场的总回报率为72％（每年约20％）。晨星分析师预计，到2034年底，市场将达到7.8万亿美元，这是一项明智的估计，这意味着在未来十年（每年约10％）中总回报率为160％。

Applying that estimate to XRP(CRYPTO: XRP), which currently trades at about $2.20, suggests a price of $5.75 by early 2035. But XRP has typically generated better gains than the broader market -- for instance, its price climbed 270% during the past three years -- and that trend will likely continue given its standing as the fourth-most-valuable cryptocurrency.

将该估算应用于目前交易约2.20美元的XRP（加密货币：XRP），这意味着到2035年初的价格为5.75美元。但是，XRP通常产生的收益比更广泛的市场产生了更好的增长 - 例如，其价格在过去三年中的价格为270％ - 并且在过去的三年中，这种趋势可能会继续以四分之四的速度稳定率高。

Image source: Getty Images.

图像来源：盖蒂图像。

Here's my prediction: XRP will hit $7.50 by early 2034. That implies a total return of 240% (13% annually) during the next decade. But reaching that target will require increased adoption by banks and payment service providers as well as greater demand among retail and institutional investors.

这是我的预测：XRP到2034年初将达到7.50美元。这意味着在未来十年中，总回报率为240％（每年13％）。但是，达到目标将需要增加银行和支付服务提供商的采用，以及零售和机构投资者的需求更大。

Here's why those things could happen.

这就是这些事情可能发生的原因。

XRP is a faster and cheaper alternative to traditional cross-border payments solutions

XRP是传统跨境支付解决方案的更快，更便宜的替代品

XRP is the native cryptocurrency on the XRP Ledger, a blockchain designed by Ripple to make cross-border payments and currency exchanges faster and cheaper. Today, most international payments move through the SWIFT (Society for Worldwide Interbank Financial Telecommunication) system, but that typically involves one or more intermediaries that make transactions costly and time consuming.

XRP是XRP Ledger上的本地加密货币，这是由Ripple设计的区块链，可使跨境支付和货币交易更快，更便宜。如今，大多数国际付款都通过Swift（全球间银行金融电信协会）系统进行，但是通常涉及一个或多个中介机构，使交易成本昂贵且耗时。

Ripple eliminates that friction. Its payments platform uses XRP and the stablecoin Ripple USD to settle cross-border transactions and foreign currency exchanges in seconds, typically at a much lower cost than traditional solutions like the SWIFT system. Although fewer than 200 institutions use the platform today, the number could rise as banks and fintechs become more familiar with blockchain technology.

波纹消除了这种摩擦。它的支付平台使用XRP和Stablecoin Ripple USD在几秒钟内解决跨境交易和外币交易所，通常比Swift System等传统解决方案低得多。尽管当今的机构少于200个机构使用该平台，但随着银行和金融科技对区块链技术的越来越熟悉，该数字可能会上升。

Spot XRP ETFs could unlock demand among retail and institutional investors

现场XRP ETF可以解锁零售和机构投资者的需求

Retail and institutional investors have become increasingly comfortable with digital assets, especially the highly visible ones like XRP. But cryptocurrency exchanges are still a source of friction for many potential market participants. Not only do platforms like Coinbase charge high transaction and custody fees.

零售和机构投资者对数字资产的越来越舒适，尤其是XRP等高度可见的资产。但是加密货币交流仍然是许多潜在市场参与者的摩擦来源。 Coinbase之类的平台不仅收取高额交易和监护费。

Consequently, several asset managers have recently asked the Securities and Exchange Commission (SEC) for permission to create spot XRP exchange-traded funds (ETFs). Those funds would trade on traditional stock market exchanges, which means investors could get exposure to XRP through existing brokerage accounts. By simplifying adoption, spot XRP ETFs could bring more retail and institutional investors to the market.

因此，几位资产经理最近已询问证券交易委员会（SEC），以创建现货XRP交易所交易基金（ETF）。这些资金将以传统的股票市场交易进行交易，这意味着投资者可以通过现有经纪帐户获得XRP的曝光率。通过简化采用，现货XRP ETF可以将更多的零售和机构投资者推向市场。

Indeed, Bitcoin has more than doubled in value since the SEC first approved spot Bitcoin ETFs in January 2024. It's reasonable to think XRP could generate similar returns if spot XRP ETFs are approved. And approval seems likely given the cryptocurrency-friendly stance of the newly appointed SEC chairman, Paul Atkins.

的确，自SEC在2024年1月首次批准的现场比特币ETF以来，比特币的价值增加了​​一倍以上。如果批准XRP ETF，则可以认为XRP可以产生类似的回报是合理的。批准似乎有可能考虑到新任命的SEC主席保罗·阿特金斯（Paul Atkins）的加密货币友好立场。

Investors should be cautious with cryptocurrencies

投资者应该对加密货币保持谨慎

Investors should bear in mind that cryptocurrency is a relatively new asset class that has been very volatile during its brief history. There is no guarantee XRP will be worth more in the future, so investors should never put money into the cryptocurrency if they aren't prepared to lose it.

投资者应记住，加密货币是一种相对较新的资产类别，在其简短的历史中一直非常波动。不能保证XRP将来会更有价值，因此，如果投资者不准备失去加密货币，则永远不应将钱投入加密货币。

Additionally, even if XRP's price does increase 240% to reach $7.50 in the next decade, it will likely suffer steep declines along the way. Investors should be prepared to hold through volatility.

此外，即使XRP的价格确实上涨了240％，在未来十年中达到7.50美元，在此过程中，它也可能会急剧下降。投资者应准备好通过波动。