XRP 支付功能正在削弱，稳定币能救赎 Ripple 吗？

Foresight NewsPublished on 2024-06-25Last updated on 2024-06-25

Abstract

区块链服务公司、同时也是 XRP Ledger 创建者 Ripple 宣布将推出与美元挂钩的稳定币，正式杀入市场规模超过 1500 亿美元的稳定币市场。 按照 Ripple 公司的说法，其稳定币预计会在今年晚些时间正式发行，该稳定币将会 100% 由美元存款、短期美国政府国债和其他现金等价物支持，最初将部署到 Ripple 旗下 XRP Ledger 区块链和以太坊区块链上，并且将遵循 ERC-20 代币标准。

综编：Jordan，PANews

区块链服务公司、同时也是 XRP Ledger 创建者 Ripple 宣布将推出与美元挂钩的稳定币，正式杀入市场规模超过 1500 亿美元的稳定币市场。

按照 Ripple 公司的说法，其稳定币预计会在今年晚些时间正式发行，该稳定币将会 100% 由美元存款、短期美国政府国债和其他现金等价物支持，最初将部署到 Ripple 旗下 XRP Ledger 区块链和以太坊区块链上，并且将遵循 ERC-20 代币标准。

虽迟但到，Ripple 为何强入稳定币赛道？

如今，稳定币市场规模不断扩大，根据 The Block Pro 数据显示，2024 年 3 月调整后的稳定币链上交易额出现较大幅度上涨，升至 8938 亿美元，涨幅为 41.3%；已发行稳定币供应规模有所增加，涨幅为 6.2% 达到 1374 亿美元（四月初更是升至 1500 亿美元上方），其中 Tether 和 Circle 已几乎「霸占」了全部稳定币市场，USDT 市场份额占比高达 76.3%，而 USDC 的市场份额则接近 20%，两家合计市场主导地位超过 96%。

那么，Ripple 为何要勇闯稳定币这个高度垄断的市场呢？原因主要有三：

首先，稳定币市场需求仍在不断扩大。事实上，稳定币是加密货币交易者中最受欢迎的数字资产类型之一，（理论上）不受比特币 (BTC) 和以太坊 (ETH) 等大型加密货币的价格波动影响。根据 Ripple 的判断，稳定币市场规模到 2028 年预计会超过 2.8 万亿美元，而且加密市场对于能够提供信任、稳定性和实用性的稳定币有着明显需求，这也是他们决定进入该领域的关键原因之一。

其次，稳定币有助于推动 Ripple 生态发展。正如 Ripple 首席技术官 David Schwartz 所解释的那样，探索稳定币市场也有部分「机会主义」原因，「毕竟稳定币是一个不断增长的市场，推出稳定币可以让你成为一家『不付利息的银行』，这似乎是一个很不错的商机。」如果顺利推出稳定币，可以给 XRP Ledger 的 DeFi 生态注入更多获利，虽然这个 Ripple 支持的区块链上也有 DEX 等服务，但不得不承认，XRP Ledger 的使用率相比于其他区块链依然较低。

此外，透明度将成为 Ripple 稳定币发行的关注点，受众用户主要是企业和银行。David Schwartz 表示，Ripple 将每月进行一次由头部会计师事务所进行的公开审计，并将采取一切必要措施以实现完全透明，用他的话说「Ripple 并不想多榨取几分钱，我们不需要这么做，Ripple 的资产负债表坚如磐石。」不仅如此，Ripple 稳定币的受众对象主要是企业客户和银行，这一细分市场需求对合规要求极高，因为他们必须向股东和监管机构证明使用稳定币的决定是合理的，所以 Ripple 会选择美国本地银行来持有储备资金，确保能将「合规第一的思维」带入整个稳定币市场。

稳定币能救赎 Ripple 吗？

需要关注的是，Ripple 基于 XRP 的商业模式已经表现出一定程度的「疲态」，哥伦比亚商学院教授、前 Paxos 稳定币基金经理 Austen Campbell 直言：没有人使用 XRP 作为支付方式，就像没有人真正使用 BTC 一样，Ripple 与许多基于 XRP 跨境支付的合作并不成功，比如：

欧盟最大的银行之一桑坦德银行 (Santander) 在意识到使用 XRP 无法满足其客户的需求后，决定不再与 Ripple 合作；

由于 XRP 跨境支付相关成本不断增加，以及 MoneyGram（速汇金）需要与分散地区的加密货币交易所建立第三方关系，Ripple 与 MoneyGram 的关系也戛然而止；

阿曼第二大银行 Bank Dhofar 曾表示将使用 RippleNet 并为客户提供通过 Ripple 的支付服务，但这是该银行网站上唯一提及的内容，而许多其他应用程序（包括支付应用程序和汇款服务）在其公司网站上根本没有提及 Ripple。

值得一提的是，XRP 是否是一种证券的问题还要等到 Ripple 与美国证券交易委员会长达四年的法律斗争在上诉结束后才能得到真正的答案，面对可能遭遇美国证券交易委员会高达 20 亿美元的罚款，Ripple 急切需要寻找新的、可靠的收入来源，从这个角度来看，稳定币不失是个优先选择。

即便晚入场，Ripple 也要瓜分稳定币市场这块大蛋糕

我们都知道，在加密货币领域，稳定币被视为最重要的工具之一。无论是中心化还是去中心化的交易平台，无论是现货还是期货市场，大部分交易都是以稳定币进行计价的。尽管稳定币整体市值在加密货币领域里并不太起眼，但其实利润相当可观，而这似乎也是 PayPal、First Digital Trust、Ripple 等公司争相恐后进入这一领域的原因，毕竟这块蛋糕太大了——

稳定币钱包 Beam 首席执行官 Andy Bromberg 分析指出，由于美国国债的利率较高，导致美元稳定币已经变成了一种「利润丰厚的生意」。根据美国政府披露数据显示，2023 年 11 月至 2024 年 4 月期间发行的所谓 I 类债券（一种每六个月调整一次利率的美国债券）综合利率达到 5.27%，这意味着如果 Ripple 稳定币规模达到 10 亿美元，仅利息年收入这一项就会超过 5000 万美元。

要知道，在稳定币市场里获得 10 亿美元的发行规模似乎并不困难，以最近 Ethena Labs 推出的稳定币 USDe 为例，其市值在不到四个月时间里就突破了 20 亿美元，并跻身到市值前五大稳定币行列。

当然，行业内其他案例也值得 Ripple 参考借鉴，比如与 Ripple 稳定币设计初衷非常相似的 PYUSD。实际上，PayPal 发行的 PYUSD 也是 100% 由美元存款、短期美国国债和类似现金等价物支持，而且同样部署在以太坊链上且遵循 ERC-20 标准，但从发行至今规模仅达到约 2 亿美元，交易量不足 7 万笔。而导致 PYUSD 裹足不前的一个主要原因可能是其实际应用场景并不丰富，虽然背靠 PayPal 这家支付巨头，但在加密领域始终难以与 DeFi、DEX 等更好地交互。

坦率地说，现阶段稳定币市场尚未形成「赢家通吃」的格局，也给不少新晋入场者提供了机会和发展空间。假设稳定币市场整体规模如 Ripple 预测的那样增长 12 倍，那么这块「蛋糕」显然将变得十分诱人，倘若最终顺利跻身市场前三的话，Ripple 无疑能进一步巩固自己在加密市场里的江湖地位。

不过，Ripple 最终能否在稳定币市场里获得真正成功，也许更多地将取决于吸引终端用户使用并留在其生态之中，让我们拭目以待。

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What is XRP 2.0

XRP 2.0: A New Frontier in the Cryptocurrency Landscape Introduction to XRP 2.0 In the ever-evolving realm of cryptocurrency, new projects continuously emerge, vying for attention and adoption. One such promising initiative is XRP 2.0, a novel cryptocurrency project designed to leverage advanced blockchain technology and robust encryption methodologies. While the name draws parallels with Ripple’s XRP, it’s crucial to note that XRP 2.0 operates independently, focusing on enhancing transaction security, privacy, and scalability. As the digital financial landscape increasingly embraces decentralized solutions, XRP 2.0 aims to contribute meaningfully to web3 and the overall expansion of crypto projects. What is XRP 2.0? At its core, XRP 2.0 is a cryptocurrency project that aims to create a secure and decentralized digital currency ecosystem. Its foundational technology integrates sophisticated blockchain principles with cutting-edge encryption techniques. The overarching goal of XRP 2.0 is to establish itself as a reliable and efficient platform enabling swift transaction execution while prioritizing enhanced privacy protections for its users. The project is promoted as a solution to many limitations faced by existing cryptocurrencies, proposing a system that can handle a higher volume of transactions with improved speed and privacy. This versatility positions XRP 2.0 as a significant contender in a marketplace riddled with various digital currencies. Who is the Creator of XRP 2.0? The identity of the creator behind XRP 2.0 has been flagged as ‘Wilbur.’ However, comprehensive details regarding Wilbur or their associated entity remain elusive. The anonymity of many cryptocurrency creators is not an uncommon phenomenon in the industry, often designed to maintain a degree of privacy and security. Who are the Investors of XRP 2.0? As of now, specific information related to the investment foundations or organizations supporting XRP 2.0 is not publicly available. In the cryptocurrency sector, the backing by reputed investors can significantly influence a project's credibility and success, yet the transparency regarding the financial supporters of XRP 2.0 has not been established. How Does XRP 2.0 Work? XRP 2.0 stands out by employing a combination of blockchain technology and advanced encryption algorithms that ensures secure and decentralized transactions. Its innovative structure includes unique features designed to foster user engagement and broaden functionalities beyond conventional cryptocurrency transactions. Among these features, XRP 2.0 incorporates AI-powered capabilities, such as text-to-image and text-to-speech functionalities. These additions are designed to enhance the interactive experience for users, promoting broader applicability across various sectors. By bridging technological advancements with user-centered design, XRP 2.0 aims to capture the attention of a diverse range of individuals and enterprises looking to integrate cryptocurrency solutions into their operational frameworks. Timeline of XRP 2.0 Understanding XRP 2.0 requires examining the milestones that have defined its journey thus far: July 23, 2023: XRP 2.0 is introduced as a novel cryptocurrency project, aiming to revolutionize secure and decentralized transaction capabilities in the blockchain domain. September 8, 2023: The launching of another project, XRP20, occurs, marking the emergence of an ERC-20 token on the Ethereum blockchain that remains unrelated to XRP 2.0. November 13, 2023: The XRP Ledger undergoes a significant update with the release of rippled server software version 2.0.0. It is essential to note that this development is disconnected from the XRP 2.0 cryptocurrency project. Key Points About XRP 2.0 To distill the essence of XRP 2.0, several critical factors emerge: Unique Features: The inclusion of features like AI-powered text-to-image and text-to-speech further diversifies the potential applications of XRP 2.0. Blockchain Technology: The framework utilizes advanced blockchain mechanisms and encryption protocols, ensuring a secure and decentralized environment for transactions. Scalability and Privacy: XRP 2.0 prioritizes enhanced privacy protections in transaction processes and the scalability necessary to accommodate a growing user base. No Affiliation with Ripple: Importantly, despite its name, XRP 2.0 does not have any allegiance or collaboration with Ripple’s XRP, distinguishing its operational framework and objectives within the cryptocurrency ecosystem. Conclusion XRP 2.0 represents an ambitious venture into the cryptocurrency sphere, aiming to offer a combination of security, privacy, and efficiency in digital transactions. By integrating sophisticated technologies and user-friendly features, the project sets out to broaden the horizons of what cryptocurrency can achieve in today's digital economy. While the anonymity of its creator and lack of disclosed investors might raise questions for some, XRP 2.0's focus on advanced functionalities and decentralisation enhances its appeal amidst an increasingly crowded crypto market. As the cryptocurrency landscape continues to evolve, XRP 2.0 may yet emerge as a pivotal player in the expansion of secure and scalable blockchain solutions.

1.6k Total ViewsPublished 2024.04.01Updated 2024.12.03

What is XRP 2.0

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