7*24

Hot topic

Market

Activities

Claim1,200 USDT in the Monthly Creation ChallengeCheck In Weekly, Win Prizes Weekly — Join the Fun!200 USDT | Share Insights on 2026 Crypto Trends 美国银行需要40年才能将1万美元变成7.3万美元，而XRP只需9个月 市场数据显示，XRP最近仅用了9个月

Claim1,200 USDT in the Monthly Creation Challenge

Check In Weekly, Win Prizes Weekly — Join the Fun!

200 USDT | Share Insights on 2026 Crypto Trends

美国银行需要40年才能将1万美元变成7.3万美元，而XRP只需9个月


市场数据显示，XRP最近仅用了9个月就实现了美国在线银行需要40年才能达到的收益。


尽管经历了多次熊市和价格波动，XRP始终展现出在市场上涨期间实现超额增长的能力。数据显示，在一次这样的上涨行情中，XRP仅用了9个月就实现了传统银行需要几个世纪才能实现的收益。


作为参考，最近的一项评估证实，XRP从2024年11月的0.5美元飙升至2026年7月的3.66美元，将1万美元变成了7.3万美元。 如果美国在线银行想要以 5% 的年利率从 1 万美元的投资中获得类似的收益，则需要超过 40 年。


要点


XRP 一直以来都展现出在市场偶尔上涨期间快速获利的潜力。


2024 年 11 月至 2025 年 7 月的飙升，将价格从 0.5 美元推至 3.66 美元，这意味着 1 万美元的投资在短短九个月内就增值到了 7.3 万美元。


而美国在线银行虽然拥有高达 5% 左右的最高利率，但要获得同样的收益，则需要 40 年。


XRP 仍然存在固有的投资风险，投资者持有的 XRP 资产价值可能会下跌，而传统银行在这方面具有优势。


美国储蓄账户的收益率是多少？


 作为参考，截至报告发布时，美国储蓄账户的收益率仍然很低，这限制了传统银行日常存款的增长空间。


具体而言，美国联邦存款保险公司（FDIC）2026年1月的最新数据显示，全国平均储蓄利率为0.39%（年利率），这一数字被大型银行拉低，因为它们的利率仍然接近于零。Bankrate于2026年1月26日进行的调查显示，平均年利率略高，为0.61%，但仍低于1%。


与此同时，网上银行的表现更好，据最新统计，高收益储蓄账户的年利率在4.20%至5.00%之间。 尽管如此，随着2025年利率下调，部分利率已开始下降。


1万美元投资7.3万美元的期限


这些利率证实了传统银行在财富积累方面速度之慢。值得注意的是，在0.39%的利率下，将1万美元变成7.3万美元大约需要510.7年。而0.61%的利率则降至326.9年，这仍然远远超出任何实际的投资期限。


考虑到网上银行5.00%的年利率，7.3万美元的回报按年复利计算大约需要40.7年，按月复利计算大约需要39.8年。这证实了储蓄账户的重点在于安全，而非财富积累。 本质上，它们保护现金，但任何实质性的增长都需要极大的耐心。


XRP 九个月内实现了这一壮举


与此同时，XRP 在短短九个月内就将 10,000 美元变成了 73,000 美元。具体来说，在经历了一段较长的盘整期后，XRP 于 2024 年 11 月的交易价格为 0.5 美元。此后，它一路飙升至 3.4 美元的初期高点，然后在 2025 年 4 月回落至 1.61 美元的低点，之后在 7 月份再次反弹至 3.66 美元的新高。


值得注意的是，如果一位投资者以 0.5 美元的价格投资 10,000 美元购买 XRP，他将获得 20,000 枚 XRP 代币。  2025年7月，XRP价格达到峰值3.66美元，当时这2万枚代币价值73,200美元。也就是说，XRP在短短九个月内就将10,000美元变成了73,200美元。


然而，这并非意味着加密货币的表现总是优于现金，而是表明传统储蓄的收益远不及快速波动的价格走势。尽管如此，如果通货膨胀没有大幅飙升，传统储蓄仍然具有保护现金的优势。相比之下，像XRP这样的资产则可能暴跌至新低。


美国银行需要40年才能将1万美元变成7.3万美元，而XRP只需9个月 市场数据显示，XRP最近仅

 Acu: Serverless Cloud via Idle Mobile Devices

Sixth Master is getting ready to do something big. First of all, congratulations to Brother Damo for receiving the "HTX Community Builder" certification from Sixth Master! I can only say I'm envious. 

Dusk: Privacy L1 for Finance

Check In Weekly, Win Prizes Weekly — Join the Fun!Create Content for HTX and Win a Share of 1000U!200 USDT | Share Insights on 2026 Crypto Trends What are cryptocurrency pairs? Cryptocurrency trading 

Create Content for HTX and Win a Share of 1000U!

What are cryptocurrency pairs?


Cryptocurrency trading involves buying and selling digital assets like bitcoin, ether and other cryptocurrencies on exchanges. Trading pairs represent two different cryptocurrencies that can be exchanged for one another on a trading platform.


Some of the most common pair types are fiat-to-crypto. This is where a traditional currency like the United States dollar is traded against a cryptocurrency like bitcoin. The pair is often labeled with the currencies separated by a slash, such as BTC/USD or ETH/USD. Additionally, two digital currencies can be exchanged for each other, such as ETH/BTC.The first currency listed is the base currency, while the second is the quote currency. For instance, in the BTC/USD pair, bitcoin is quoted in U.S. dollars; the price reflects how many dollars are needed to purchase one bitcoin. This concept extends to the crypto-to-crypto pairs, where the value signifies how much of one cryptocurrency is needed to exchange for another.


What can the price of crypto pairs tell us? 


Looking at pairs can give a sense of the change in relative value between two cryptocurrencies regardless of their movement against a fiat currency such as the U.S. dollar.


For example, while bitcoin and ether prices are highly correlated when quoted in U.S. dollars, their relative price can move. In mid-June 2017, ether could be bought for $343 while bitcoin was trading at $2,450. The price of ether in bitcoin terms was 0.14 BTC (think of it as $343/$2,450). Seven years later, in mid-June 2024, ether traded for $3,493 while bitcoin was at $66,139. However, the price of ether in bitcoin terms was then at 0.053 BTC ($3,493/$66,139), much lower than in 2017. That tells us that while both of those cryptocurrencies soared exponentially against the greenback over the course of seven year

What are cryptocurrency pairs? Cryptocurrency tr

Elsa: AI-Powered DeFi Agent Layer

Check In Weekly, Win Prizes Weekly — Join the Fun!Create Content for HTX and Win a Share of 1000U!200 USDT | Share Insights on 2026 Crypto TrendsRipple CTO Emeritus Breaks Silence on XRP and XLM in Ep

Ripple CTO Emeritus Breaks Silence on XRP and XLM in Epstein Files
An online discussion involving members of the $XRP community prompted a public response from Ripple’s Chief Technology Officer Emeritus David Schwartz, who addressed claims circulating on X that attempted to link Ripple and Stellar to Jeffrey Epstein.

On Friday, the U.S. Department of Justice released millions of new files related to Jeffrey Epstein.

The exchange began when X user Cobb alleged that “Ripple and Stellar are in the Epstein emails,” a claim that quickly drew attention within crypto circles.

Another user, JT Marlin $XRP Financial, tagged Schwartz and asked whether the matter was covered by a non-disclosure agreement and if he could provide further clarification.
Schwartz responded directly, stating that he is not aware of any connections between Jeffrey Epstein and Ripple, $XRP, or Stellar. He added that he knows of no evidence suggesting that anyone at Ripple or Stellar ever met Epstein or individuals closely associated with him.

Schwartz also acknowledged that there are indirect links between Epstein and some individuals connected to Bitcoin, but noted that such connections are not unusual given Epstein’s proximity to extremely wealthy figures across various industries.

I don't know of any connections between Jeffrey Epstein and Ripple, $XRP, or Stellar. I know of any evidence anyone at Ripple or Stellar ever met with Epstein or anyone closely connected to him. There are some indirect ties between Epstein and people connected to Bitcoin in…

— David 'JoelKatz' Schwartz (@JoelKatz) January 31, 2026

Ripple and PayPal: The "non-profit" controversy

The conversation later shifted toward Ripple’s long-standing business structure and regulatory scrutiny. JT Marlin questioned whether these issues were connected to Ripple’s past tensions wi

Ripple CTO Emeritus Breaks Silence on XRP and XLM

🟡 Gold–Bitcoin Divergence Signals a Major Crypto Rally? #HTXCommunityNewYearCreationMarathon Swissblock’s latest analysis highlights a powerful historical pattern between gold and Bitcoin that often p

🟡 Gold–Bitcoin Divergence Signals a Major Crypto Rally?
#HTXCommunityNewYearCreationMarathon
Swissblock’s latest analysis highlights a powerful historical pattern between gold and Bitcoin that often precedes major crypto market moves. According to their data, when gold continues making higher highs while Bitcoin trades sideways, it creates a bullish divergence that has historically led to strong Bitcoin rallies in the following months. 📈
In early 2025, gold has reached multiple record highs, fueled by geopolitical uncertainty, inflation concerns, and ongoing central bank accumulation. At the same time, Bitcoin has remained range-bound, holding key support and resistance levels without a decisive breakout.
This exact setup has appeared only three times in Bitcoin’s history, and each occurrence was followed by significant upside for BTC. Swissblock notes that this divergence often reflects capital rotation, where investors first seek safety in gold before moving into higher-risk assets like Bitcoin.


Could this be another early signal of a major crypto rally ahead, or will history break its pattern this time? 🤔💬
#Bitcoin #Gold #CryptoMarket #BTCAnalysis #MacroTrends #InstitutionalAdoption #HTX

🟡 Gold–Bitcoin Divergence Signals a Major Crypto

LIT: DEX with Verifiable Order Execution

Прогноз цен на криптовалюты на сегодня, 19 января – XRP, Cardano, Bitcoin Hyper После угроз Трампа ввести пошлины в Европе, цена биткоина упала примерно на 2% до уровня ниже 93 000 долларов, что приве

Прогноз цен на криптовалюты на сегодня, 19 января

CHECK: Token of Checkmate & Anichess

Check In Weekly, Win Prizes Weekly — Join the Fun!Create Content for HTX and Win a Share of 1000U!200 USDT | Share Insights on 2026 Crypto TrendsXRPL 警報：Ripple 工程師在 2026 年升級前發出重要提醒 Ripple 工程師 Mayukha 

XRPL 警報：Ripple 工程師在 2026 年升級前發出重要提醒

Ripple 工程師 Mayukha Wadari 在 2026 年 XRP 分類帳 (XRP Ledger) 即將進行多次升級之際，向 XRPL 參與者發出重要提醒。

Wadari 在推文中敦促 XRP Ledger 用戶檢查 XLS 規範，確保其在專案需要任何更改時都能正常運作。如果這些變更已在開發者網路上發布，則應提交多筆交易以確保一切運作正常。這對於防止問題在後期出現至關重要。 Wadari 表示，問題發現得越早，解決就越容易。

提醒：如果您的專案需要任何更改，請檢查 XLS 規格並確保其正常運作。如果在開發者網路 (Devnet) 上偵測到問題，請提交多筆交易以確保一切運作正常。問題發現得越早，解決起來就越容易。 — Mayukha Vadari (@msvadari) 2026年1月30日

$XRP Ledger 的變更管理系統採用共識機制來批准任何影響交易處理的變更。交易流程的變更以修正案的形式提出，之後由驗證者進行投票表決。禁用已批准的修正案需要提交新的修正案。

2026 年將迎來一系列更新

2026 年伊始，$XRP Ledger 將迎來一系列更新。本週，$XRP Ledger 發布了多項修復，包括 fixTokenEscrowV1、fixIncludeKeyletFields、fixMPTDeliveredAmount、fixAMMClawbackRounding 和 fixPriceOracleOrder。 fixTokenEscrowV1 修正了 MPT 託管帳戶中的一個小會計問題。

預計未來幾天內，$XRP Ledger 將啟動多項重要變更，包括代幣託管和受限域名。

代幣託管修正案擴展了託管帳戶的功能，支援在 XRP 分類帳上同時使用收據和 MPT（主交易協議）。根據 XRPScan 的數據，該修正案的潛在生效日期為 2026 年 2 月 12 日 21:21:01 UTC，目前倒數計時為 12 天 11 小時。

根據 XRPScan 的數據，受限域名修正案也獲得了多數票，目前倒數 4 天。

本週，XRP 分類帳發布了 3.1.0 版本，其中包括單一資產金庫、借貸協議和漏洞修復。

SingleAssetVault 修正案為借貸協議新增了單一資產金庫。借貸協議增加了在 XRP 分類帳上建立貸款的功能。

FixBatchInnerSigs 修正案修復了一個問題，即批量交易被標記為具有有效簽名，因為內部交易永遠不會有有效簽名。這些修正案目前正在由 XRP 社群進行投票表決。



XRPL 警報：Ripple 工程師在 2026 年升級前發出重要提醒 Ripple 工程師 Ma

All signals played out exactly as planned 📝🔥 Hold tight and enjoy the profits 💰🚀 Many more signals coming your way — stay sharp and don’t miss out 😎⚡ $RIVER 🌊 $INIT 🚀 $pippin 🐶 #CryptoTrading #Altcoin

#Claim1,200 USDT in the Monthly Creation Challenge Predict BTC's Price & Win 450M $HTX for 30 DaysCheck In Weekly, Win Prizes Weekly — Join the Fun! Криптотрейдер потерял более 12 миллионов долларов и

#Claim1,200 USDT in the Monthly Creation Challenge 

Predict BTC's Price & Win 450M $HTX for 30 Days

Криптотрейдер потерял более 12 миллионов долларов из-за «болезненной» ошибки


Криптотрейдер потерял более 12 миллионов долларов в Ethereum ($ETH) после того, как по ошибке отправил средства на мошеннический адрес кошелька, что, по данным блокчейна, свидетельствует об успешной атаке с отравлением адреса.


Согласно информации, опубликованной Lookonchain 31 января, записи в блокчейне показывают, что адрес жертвы, идентифицированный как 0xd674, имел устоявшуюся схему перевода крупных сумм $ETH на депозитный кошелек Galaxy Digital.


Жертва (0xd674) потеряла 4556 $ETH (12,4 млн долларов) из-за ошибки копирования и вставки адреса.


Жертва 0xd674 часто переводит средства на Galaxy Digital через

0x6D90CC…dD2E48.


 Злоумышленник сгенерировал вредоносный адрес с теми же первыми и последними 4 символами, что и адрес для пополнения счета Galaxy Digital… pic.twitter.com/oXI3exESzE


— Lookonchain (@lookonchain) 31 января 2026 г.


Похоже, что злоумышленник использовал это повторяющееся поведение, создав вредоносный адрес, максимально похожий на легитимный адрес для пополнения счета Galaxy Digital, совпадающий по начальным и заключительным символам.


История транзакций показывает, что злоумышленник неоднократно отправлял небольшие суммы на кошелек жертвы.


В результате этих «пылевых» транзакций вредоносный адрес появлялся рядом с легитимными адресами в недавней активности кошелька, что увеличивало вероятность путаницы при будущих переводах.


Примерно за 11 часов до обнаружения потери трейдер инициировал еще один перевод Ethereum, предназначенный для Galaxy Digital.


Не удалось подтвердить адрес


Вместо ручной проверки адреса получателя, адрес был скопирован непосредственно из истории транзакций.  В результате на кошелек, контролируемый злоумышленником, было отправлено 4 556 ETH, стоимость которых на момент транзакции сос

Криптотрейдер потерял более 12 миллионов долларов

LIT: DEX with Verifiable Order ExecutionPredict BTC's Price & Win 450M $HTX for 30 Days“我踏马来了”: The Meme Coin from Yi He's 2026 Tweet U.S. lawmakers push back crypto bill markup amid housing focus The

“我踏马来了”: The Meme Coin from Yi He's 2026 Tweet

U.S. lawmakers push back crypto bill markup amid housing focus


The Senate delayed consideration of a sweeping US crypto bill again as lawmakers prioritized housing legislation tied to rising living costs.The Senate Banking Committee postponed the crypto bill markup to late as housing takes priority.


Lawmakers shifted focus to housing affordability amid Trump administration pressure.


Industry groups may gain more time to lobby as crypto legislation stalls.


A major US crypto market bill faced another setback this week, as Senate lawmakers shifted attention to housing legislation tied to rising living costs.


According to a Jan. 22 Bloomberg report, the Senate Banking Committee was expected to delay its markup of the long-awaited digital asset market structure bill by several weeks, pushing the timeline to late February or March.


Housing costs take priority in Senate agenda


The renewed delay followed pressure from the Trump administration to focus on affordability issues ahead of the 2026 congressional elections, with housing identified as a key driver of inflation for American households.


Lawmakers began drafting legislation aimed at limiting large institutional investors from buying single-family homes. Earlier this week, President Donald Trump signed an executive order instructing the Treasury Department to set thresholds for large institutional buyers and directing federal agencies to prohibit government-backed support for such purchases. Estimates indicate that institutional investors own less than 1% of U.S. single-family homes, although the effect of such measures on housing prices is still unknown. Still, political concerns around housing costs have taken precedence over crypto policy, despite digital assets being listed as a priority by the administration.

A spokesperson for the Senate Banking Committee decl

U.S. lawmakers push back crypto bill markup amid h

Fogo: High-Speed SVM-Based Layer 1

Assessing how China’s strategic moves are challenging Trump’s crypto plans

Binance Founder Has ‘Strong Feelings’ For A Bitcoin Supercycle In 2026

Tất cả bình luận0Mới nhấtPhổ biến

Chủ đề đang thịnh hành