XRP，XRP 2.0和付款代币景观：有什么交易？

到2030年，XRP将盯着15美元的目标，而XRP 2.0有望彻底改变跨境支付。但是，这对付款令牌空间意味着什么？

The world of payment tokens is heating up, and XRP is right in the thick of it. With ambitious price predictions and a major upgrade on the horizon, let's dive into what's happening with XRP, XRP 2.0, and the broader payment token ecosystem.

付款代币的世界正在加热，XRP就在其中。凭借雄心勃勃的价格预测并进行了重大升级，让我们深入了解XRP，XRP 2.0和更广泛的付款代币生态系统的情况。

XRP's Bullish Outlook: $15 by 2030?

XRP的看涨前景：到2030年$ 15？

Analysts are buzzing about XRP's potential, with some projecting a $15 target by 2030. This optimism stems from XRP breaking out of long-term consolidation patterns, reminiscent of its 2017 surge. Trading around $2.16, XRP is holding above key support, signaling a potential climb. Shawnmark on X suggests targets of $5, $7, and even $13-$15 are in play. The current XRP price might just be a steal in hindsight.

分析师对XRP的潜力嗡嗡作响，有些人预计到2030年的目标为15美元。这种乐观源于XRP摆脱了长期合并模式，让人联想到其2017年的激增。 XRP的交易约为2.16美元，持有高于关键支持，这表明了潜在的攀登。 X上的Shawnmark建议目标$ 5，$ 7甚至13美元。目前，目前的XRP价格可能只是事后看来。

XRP 2.0: A Game Changer for Cross-Border Payments?

XRP 2.0：跨境支付的游戏规则？

But XRP isn't just about price speculation; it's also about utility. The planned XRP 2.0 upgrade, featuring AMM, side-chain, and smart-contract capabilities, aims to solidify XRP's role in cross-border settlements by early 2025. Daily payment volume on the XRP Ledger has exploded, and whale accumulation is at record levels, with over 2,700 addresses holding at least one million coins. This suggests rising confidence in the network's future.

但是XRP不仅仅是价格猜测；这也与实用程序有关。计划中的XR​​P 2.0升级，具有AMM，侧链和智能合同功能，旨在巩固XRP到2025年初在跨境定居点中的作用。XRP Ledger的每日支付量爆炸了，鲸鱼的积累量已经达到创纪录的水平，在2,700个地址中持有至少一百万美元的地址。这表明对网络未来的信心不断提高。

Canada's first spot XRP ETF recorded significant inflows, indicating institutional confidence in XRP and XRP 2.0. The upgrade promises faster finality and programmable payments, potentially doubling transaction throughput and attracting more bank-grade partners.

加拿大的第一名XRP ETF记录了大量流入，表明机构对XRP和XRP 2.0的信心。升级有望更快地结局和可编程付款，可能会翻一番交易吞吐量并吸引更多的银行级合作伙伴。

Hurdles and Alternatives

障碍和替代方案

Despite the bullish signs, XRP faces challenges. Developers need to finalize the Hooks amendment, approve the native AMM protocol, and green-light the EVM side-chain for XRP 2.0 to be fully functional. Regulatory uncertainty, particularly the SEC's decision on Ripple's proposed settlement, also looms large. A negative ruling could pressure XRP, while a favorable outcome could lead to fresh U.S. exchange listings.

尽管有看涨的迹象，XRP仍面临挑战。开发人员需要最终确定钩子修正案，批准本机AMM协议，并绿灯为XRP 2.0的EVM侧链具有完全功能。监管不确定性，尤其是SEC对Ripple提议的解决方案的决定，也迫在眉睫。负面的裁决可能会给XRP施加压力，而有利的结果可能会导致新的美国交流清单。

Investors are also exploring alternatives like Remittix, a PayFi solution offering fiat-settled transfers without relying on traditional correspondent networks. Remittix is already processing near-instant fiat payouts for remote workers and small exporters, providing a working solution while XRP's upgrade cycle unfolds.

投资者还在探索诸如Remittix之类的替代方案，Remittix是Payfi解决方案，可在不依赖传统通讯网络的情况下提供菲亚特分配的转移。 Remittix已经在处理远程工人和小型出口商的近乎建立法定支出，在XRP的升级周期展开时提供了工作解决方案。

The Verdict: Two Roads to 2025

判决：两条通往2025年的道路

XRP 2.0 has the potential to dominate cross-border settlements, but execution risk and regulatory uncertainty could delay its progress. Whether XRP or its competitors ultimately prevail depends on how quickly they can deliver on their promises. Keep an eye on how these networks translate potential into reality in the coming months.

XRP 2.0有可能主导跨境和解，但是执行风险和监管不确定性可能会延迟其进度。 XRP或其竞争对手是否最终占上风取决于他们能够兑现承诺的速度。请密切关注这些网络如何在未来几个月内将潜力转化为现实。

Final Thoughts

最后的想法

So, is XRP a steal at today's prices? Will XRP 2.0 revolutionize payments? Only time will tell. But one thing's for sure: the payment token landscape is dynamic, and it's going to be a wild ride!

那么，XRP是按今天的价格抢断的吗？ XRP 2.0会革新付款吗？只有时间会证明。但是可以肯定的是：付款令牌景观是充满活力的，这将是一个疯狂的旅程！