<p>在过去两年中，随着利率上升，投资者转向更加保守的投资，许多加密货币失去了吸引力。但是，美联储在四年来首次于九月份降低了基准利率，广泛预期它将在不久的将来再次降低利率。</p>
<p>这种转变可能会再次使加密货币变得更具吸引力。如果您想从这一趋势获利，您应该考虑购买这三种卓越的加密货币：<strong>比特币</strong>(BTC 0.76%)、<strong>以太坊</strong>(ETH 0.32%) 和 <strong>瑞波币</strong>(XRP -0.70%)。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy83OTQzOTUvYS1ibG9jay1sYWJlbGVkLWNyeXB0by1vbi1hLWRpZ2l0YWwtc2NyZWVuLmpwZyZ3PTcwMA?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy83OTQzOTUvYS1ibG9jay1sYWJlbGVkLWNyeXB0by1vbi1hLWRpZ2l0YWwtc2NyZWVuLmpwZyZ3PTcwMA"/></p>
<p>图片来源：Getty Images。</p>
<h2>1. 比特币</h2>
<p>比特币市值为 1.3 万亿美元，是全球最有价值的加密货币，也是第十有价值的资产。它的供应上限为 2,100 万枚，其中已经挖掘出了 19.8 万枚。比特币仍然通过能源密集型的工作量证明（PoW）共识机制进行挖矿，这需要强大的专用集成电路（ASIC）矿工。定期的 “减半”（每四年一次）会将挖矿奖励减半。</p>
<p>这些特点使比特币更类似于贵金属，而不同于其他通过更节能的权益证明（PoS）共识机制验证（而非挖矿）的加密货币。这就是为什么比特币仍然是美国证券交易委员会（SEC）唯一正式将其视为商品而非证券的加密货币。这一分类支持了今年一月首批比特币现货价格交易基金（ETFs）的批准。它甚至已被萨尔瓦多和中非共和国认可为一种法定货币。</p>
<p>这些有利因素使得比特币成为投资中最安全的加密货币。在过去 12 个月中，它已经上涨了近 150%，接近 68,000 美元，但仍远低于市场最乐观的预期。Social Capital 的 Chamath Palihapitiya 预计到 2025 年将达到 50 万美元，Fidelity 的 Jurrien Timmer 预测到 2028-2030 年的价格为 100 万美元，Ark Invest 的 Cathie Wood 表示到 2030 年可能达到 380 万美元。我们应该对这些乐观的估计持保留态度，但随着投资者再次热情于加密货币，比特币仍有很大的增长空间。</p>
<h2>2. 以太坊</h2>
<p>以太坊是全球第二有价值的加密货币，市值为 3,160 亿美元。目前大约有 1.2 亿以太坊代币在流通，不像比特币那样有硬性供应上限。当以太坊区块链在 2022 年的合并过程中从 PoW 机制过渡到 PoS 机制时，它从通胀代币变为紧缩代币。</p>
<p>但在 2024 年，以太坊再次变成通胀代币，因为其供应逐渐增加。为了控制供应，以太坊持有者经常通过将代币发送到 “销毁门户” 来销毁（从流通中取出）他们的代币。</p>
<p>以太坊过渡到 PoS 机制还使其投资者能够锁定代币一段固定时间以获得类似利息的奖励。它还增加了对智能合约的支持，用于开发去中心化应用程序（dApps）、非同质化代币（NFTs）和其他加密资产。因此，以太坊成为新生态系统中去中心化应用程序的基石，这种增长稳定了其价格。</p>
<p>SEC 并未正式将以太坊分类为商品或证券，但在七月批准了首批以太坊现货价格 ETFs。在过去 12 个月中，该加密货币的价格已上涨近 70%，约为 2,600 美元，但随着加密寒冬的结束和其开发者生态系统的蓬勃发展，它可能会飙升更高。在去年的一次投资者演示中，Cathie Wood 断言以太坊的市值到 2032 年可能达到 20 万亿美元，这将使每个代币的市场价格超过 166,000 美元。</p>
<h2>3. 瑞波币</h2>
<p>瑞波币是瑞波支付网络的本地加密货币。它在 2013 年推出之前铸造了其全部供应的 1000 亿代币，并将其中超过一半的代币锁定在其区块链的托管账户中。它定期释放这些代币以稳定其流动性和供应。最初，瑞波希望其金融客户——他们将其区块链用作比传统 SWIFT（全球银行间金融电信协会）协议更便宜和更快的替代方案的金融客户——会将瑞波币作为替代法定货币。</p>
<p>但这从未发生，SEC 最终在 2020 年起诉了瑞波，并声称其 XRP 代币发行是非法的未注册证券销售。今年早些时候，该诉讼以比预期轻的和解结束。Grayscale 随后将其 XRP 信托基金（之前在 2021 年关闭）重新推出为专为合格投资者的封闭式基金（CEF）。这一举措可能为未来吸引更多 dApps 和其他加密资产的开发者铺平道路。为了吸引更多的开发者开发 dApps 和其他加密资产，瑞波计划将与以太坊兼容的智能合约整合到一个新的与 XRP 账本相连的侧链中。</p>
<p>在过去 12 个月中，瑞波币的价格仅上涨约 10%。它目前交易约为 0.55 美元，市值仅为 310 亿美元。但在接下来的 12 个月中，随着投资者再次转向更具风险的另类币，瑞波币的价格可能会飙升。</p>

GBTC

ETHE

<p>美国联邦储备委员会最近的降息可能会提升加密货币的吸引力。分析师建议投资比特币、以太坊和瑞波币。比特币市值达到了 0.3 万亿美元，被视为一个安全的投资选择，有望在 2025 年达到 10 万美元。以太坊市值为 2 千亿美元，已经转向通缩模式，可能在 2032 年达到 2 万美元。尽管瑞波币在过去面临法律挑战，但随着投资者重新关注，其受到了越来越多的关注。总体而言，随着市场条件的改善，这些加密货币有望实现潜在增长</p>

<p>Many cryptocurrencies lost their luster during the past two years as rising interest rates drove investors toward more conservative investments. But the U.S. Federal Reserve cut its benchmark rate for the first time in four years in September, and it's widely expected to reduce those rates again in the near future.</p>
<div class="lb-trans"><p>在过去两年中，随着利率上升，投资者转向更加保守的投资，许多加密货币失去了吸引力。但是，美联储在四年来首次于九月份降低了基准利率，广泛预期它将在不久的将来再次降低利率。</p>
</div><p>That shift could make cryptocurrencies more appealing again. If you want to profit from that trend, you should consider buying these three phenomenal coins: <strong>Bitcoin</strong>(BTC 0.76%), <strong>Ethereum</strong>(ETH 0.32%), and <strong>XRP</strong>(XRP -0.70%).</p>
<div class="lb-trans"><p>这种转变可能会再次使加密货币变得更具吸引力。如果您想从这一趋势获利，您应该考虑购买这三种卓越的加密货币：<strong>比特币</strong>(BTC 0.76%)、<strong>以太坊</strong>(ETH 0.32%) 和 <strong>瑞波币</strong>(XRP -0.70%)。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy83OTQzOTUvYS1ibG9jay1sYWJlbGVkLWNyeXB0by1vbi1hLWRpZ2l0YWwtc2NyZWVuLmpwZyZ3PTcwMA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F794395%2Fa-block-labeled-crypto-on-a-digital-screen.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>1. Bitcoin</h2>
<div class="lb-trans"><h2>1. 比特币</h2>
</div><p>Bitcoin, with a market cap of $1.3 trillion, is the world's most valuable cryptocurrency and 10th most valuable asset. It has a supply cap of 21 million coins, and 19.8 million of those have already been mined. Bitcoin still is mined with the energy-intensive proof of work (PoW) consensus mechanism, which requires powerful application-specific integrated circuit (ASIC) miners. Scheduled &#34;halvings&#34; -- which occur every four years -- repeatedly reduce the rewards for mining in half.</p>
<div class="lb-trans"><p>比特币市值为 1.3 万亿美元，是全球最有价值的加密货币，也是第十有价值的资产。它的供应上限为 2,100 万枚，其中已经挖掘出了 19.8 万枚。比特币仍然通过能源密集型的工作量证明（PoW）共识机制进行挖矿，这需要强大的专用集成电路（ASIC）矿工。定期的 “减半”（每四年一次）会将挖矿奖励减半。</p>
</div><p>Those qualities make Bitcoin more similar to a precious metal than other cryptocurrencies which are validated (but not mined) with the more power-efficient proof of stake (PoS) consensus mechanism. That's why Bitcoin is still the only cryptocurrency the U.S. Securities and Exchange Commission (SEC) officially recognizes as a commodity instead of a security. That classification supported the approvals of the first Bitcoin spot price exchange-traded funds (ETFs) this January. It's even been adopted as a recognized currency in El Salvador and Central African Republic.</p>
<div class="lb-trans"><p>这些特点使比特币更类似于贵金属，而不同于其他通过更节能的权益证明（PoS）共识机制验证（而非挖矿）的加密货币。这就是为什么比特币仍然是美国证券交易委员会（SEC）唯一正式将其视为商品而非证券的加密货币。这一分类支持了今年一月首批比特币现货价格交易基金（ETFs）的批准。它甚至已被萨尔瓦多和中非共和国认可为一种法定货币。</p>
</div><p>Those tailwinds arguably make Bitcoin the safest cryptocurrency to invest in. It's already risen almost 150% to nearly $68,000 during the past 12 months, but it's still trading well below the market's most bullish expectations. Social Capital's Chamath Palihapitiya expects it to hit $500,000 in 2025, Fidelity's Jurrien Timmer forecasts a price of $1 million by 2028-2030, and Ark Invest's Cathie Wood says it could reach $3.8 million by 2030. We should take those optimistic estimates with a grain of salt, but Bitcoin could still have plenty of room to run as investors warm up to cryptocurrencies again.</p>
<div class="lb-trans"><p>这些有利因素使得比特币成为投资中最安全的加密货币。在过去 12 个月中，它已经上涨了近 150%，接近 68,000 美元，但仍远低于市场最乐观的预期。Social Capital 的 Chamath Palihapitiya 预计到 2025 年将达到 50 万美元，Fidelity 的 Jurrien Timmer 预测到 2028-2030 年的价格为 100 万美元，Ark Invest 的 Cathie Wood 表示到 2030 年可能达到 380 万美元。我们应该对这些乐观的估计持保留态度，但随着投资者再次热情于加密货币，比特币仍有很大的增长空间。</p>
</div><h2>2. Ethereum</h2>
<div class="lb-trans"><h2>2. 以太坊</h2>
</div><p>Ethereum is the world's second most valuable cryptocurrency, with a market cap of $316 billion. About 120 million Ethereum tokens are currently in circulation, and it doesn't have a hard supply cap like Bitcoin. When the Ethereum blockchain transitioned from the PoW mechanism to the PoS mechanism during The Merge in 2022, that turned it from an inflationary token into a deflationary one.</p>
<div class="lb-trans"><p>以太坊是全球第二有价值的加密货币，市值为 3,160 亿美元。目前大约有 1.2 亿以太坊代币在流通，不像比特币那样有硬性供应上限。当以太坊区块链在 2022 年的合并过程中从 PoW 机制过渡到 PoS 机制时，它从通胀代币变为紧缩代币。</p>
</div><p>But in 2024, Ethereum turned into an inflationary token again as its supply gradually increased. To keep its supply under control, Ethereum holders often burn (take out of circulation) their tokens by sending them to &#34;burn portals.&#34;</p>
<div class="lb-trans"><p>但在 2024 年，以太坊再次变成通胀代币，因为其供应逐渐增加。为了控制供应，以太坊持有者经常通过将代币发送到 “销毁门户” 来销毁（从流通中取出）他们的代币。</p>
</div><p>Ethereum's transition to the PoS mechanism also enabled its investors to stake (lock up) their tokens for fixed periods to earn interest-like rewards. It also added support for smart contracts for the development of decentralized apps (dApps), non-fungible tokens (NFTs), and other crypto assets. As a result, Ethereum became the bedrock for a new ecosystem of decentralized applications -- and that growth stabilized its price.</p>
<div class="lb-trans"><p>以太坊过渡到 PoS 机制还使其投资者能够锁定代币一段固定时间以获得类似利息的奖励。它还增加了对智能合约的支持，用于开发去中心化应用程序（dApps）、非同质化代币（NFTs）和其他加密资产。因此，以太坊成为新生态系统中去中心化应用程序的基石，这种增长稳定了其价格。</p>
</div><p>The SEC doesn't officially classify Ethereum as a commodity or security, but it cleared the first spot price Ethereum ETFs for approval in July. The crypto's price has risen nearly 70% to about $2,600 during the past 12 months, but it could soar even higher as the crypto winter ends and its developer ecosystem blooms. In an investor presentation last year, Cathie Wood asserted that Ethereum's market cap could reach $20 trillion -- which would equal a market price of more than $166,000 per token -- by 2032.</p>
<div class="lb-trans"><p>SEC 并未正式将以太坊分类为商品或证券，但在七月批准了首批以太坊现货价格 ETFs。在过去 12 个月中，该加密货币的价格已上涨近 70%，约为 2,600 美元，但随着加密寒冬的结束和其开发者生态系统的蓬勃发展，它可能会飙升更高。在去年的一次投资者演示中，Cathie Wood 断言以太坊的市值到 2032 年可能达到 20 万亿美元，这将使每个代币的市场价格超过 166,000 美元。</p>
</div><h2>3. XRP</h2>
<div class="lb-trans"><h2>3. 瑞波币</h2>
</div><p>XRP is the native cryptocurrency of the Ripple payment network. It minted its entire supply of 100 billion tokens before its launch in 2013, and it locked up more than half of those tokens in escrow accounts across its blockchain. It periodically releases those tokens to stabilize its liquidity and supply. Ripple originally hoped that its financial clients -- which were using its blockchain as a cheaper and faster alternative to the traditional SWIFT (Society for Worldwide Interbank Financial Telecommunication) protocol for money transfers -- would adopt XRP as an alternative to fiat currencies.</p>
<div class="lb-trans"><p>瑞波币是瑞波支付网络的本地加密货币。它在 2013 年推出之前铸造了其全部供应的 1000 亿代币，并将其中超过一半的代币锁定在其区块链的托管账户中。它定期释放这些代币以稳定其流动性和供应。最初，瑞波希望其金融客户——他们将其区块链用作比传统 SWIFT（全球银行间金融电信协会）协议更便宜和更快的替代方案的金融客户——会将瑞波币作为替代法定货币。</p>
</div><p>But that never happened, and the SEC eventually sued Ripple in 2020 and claimed its XRP token offerings were illegal sales of unregistered securities. That lawsuit finally ended earlier this year with a lighter-than-expected settlement. Grayscale subsequently relaunched its XRP Trust (which it had previously shut in 2021) as a closed-end fund (CEF) for accredited investors. That move might pave the way for futures-driven or spot price ETFs for XRP in the near future. To attract more developers of dApps and other crypto assets, Ripple plans to integrate Ethereum-compatible smart contracts into a new sidechain that's tethered to the XRP Ledger.</p>
<div class="lb-trans"><p>但这从未发生，SEC 最终在 2020 年起诉了瑞波，并声称其 XRP 代币发行是非法的未注册证券销售。今年早些时候，该诉讼以比预期轻的和解结束。Grayscale 随后将其 XRP 信托基金（之前在 2021 年关闭）重新推出为专为合格投资者的封闭式基金（CEF）。这一举措可能为未来吸引更多 dApps 和其他加密资产的开发者铺平道路。为了吸引更多的开发者开发 dApps 和其他加密资产，瑞波计划将与以太坊兼容的智能合约整合到一个新的与 XRP 账本相连的侧链中。</p>
</div><p>XRP's price has only risen about 10% over the past 12 months. It still trades at about $0.55, and it has a market cap of just $31 billion. But during the next 12 months, XRP's price could soar as investors pivot back toward the riskier altcoins again.</p>
<div class="lb-trans"><p>在过去 12 个月中，瑞波币的价格仅上涨约 10%。它目前交易约为 0.55 美元，市值仅为 310 亿美元。但在接下来的 12 个月中，随着投资者再次转向更具风险的另类币，瑞波币的价格可能会飙升。</p>
</div>

Prediction: These 3 Phenomenal Cryptocurrencies Are Set to Soar

- 加息导致加密货币吸引力下降，但美联储近期降息可能改变趋势。  
- 比特币、以太坊和 XRP 被认为是值得投资的三种加密货币。  
- 比特币市值 1.3 万亿美元，以太坊市值 3160 亿美元，XRP 市值 310 亿美元。

预测：这三种非凡的加密货币将迎来大幅上涨