<p>在過去兩年中，隨着利率上升，投資者轉向更加保守的投資，許多加密貨幣失去了吸引力。但是，美聯儲在四年來首次於九月份降低了基準利率，廣泛預期它將在不久的將來再次降低利率。</p>
<p>這種轉變可能會再次使加密貨幣變得更具吸引力。如果您想從這一趨勢獲利，您應該考慮購買這三種卓越的加密貨幣：<strong>比特幣</strong>(BTC 0.76%)、<strong>以太坊</strong>(ETH 0.32%) 和 <strong>瑞波幣</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>圖片來源：Getty Images。</p>
<h2>1. 比特幣</h2>
<p>比特幣市值為 1.3 萬億美元，是全球最有價值的加密貨幣，也是第十有價值的資產。它的供應上限為 2,100 萬枚，其中已經挖掘出了 19.8 萬枚。比特幣仍然通過能源密集型的工作量證明（PoW）共識機制進行挖礦，這需要強大的專用集成電路（ASIC）礦工。定期的 “減半”（每四年一次）會將挖礦獎勵減半。</p>
<p>這些特點使比特幣更類似於貴金屬，而不同於其他通過更節能的權益證明（PoS）共識機制驗證（而非挖礦）的加密貨幣。這就是為什麼比特幣仍然是美國證券交易委員會（SEC）唯一正式將其視為商品而非證券的加密貨幣。這一分類支持了今年一月首批比特幣現貨價格交易基金（ETFs）的批准。它甚至已被薩爾瓦多和中非共和國認可為一種法定貨幣。</p>
<p>這些有利因素使得比特幣成為投資中最安全的加密貨幣。在過去 12 個月中，它已經上漲了近 150%，接近 68,000 美元，但仍遠低於市場最樂觀的預期。Social Capital 的 Chamath Palihapitiya 預計到 2025 年將達到 50 萬美元，Fidelity 的 Jurrien Timmer 預測到 2028-2030 年的價格為 100 萬美元，Ark Invest 的 Cathie Wood 表示到 2030 年可能達到 380 萬美元。我們應該對這些樂觀的估計持保留態度，但隨着投資者再次熱情於加密貨幣，比特幣仍有很大的增長空間。</p>
<h2>2. 以太坊</h2>
<p>以太坊是全球第二有價值的加密貨幣，市值為 3,160 億美元。目前大約有 1.2 億以太坊代幣在流通，不像比特幣那樣有硬性供應上限。當以太坊區塊鏈在 2022 年的合併過程中從 PoW 機制過渡到 PoS 機制時，它從通脹代幣變為緊縮代幣。</p>
<p>但在 2024 年，以太坊再次變成通脹代幣，因為其供應逐漸增加。為了控制供應，以太坊持有者經常通過將代幣發送到 “銷燬門户” 來銷燬（從流通中取出）他們的代幣。</p>
<p>以太坊過渡到 PoS 機制還使其投資者能夠鎖定代幣一段固定時間以獲得類似利息的獎勵。它還增加了對智能合約的支持，用於開發去中心化應用程序（dApps）、非同質化代幣（NFTs）和其他加密資產。因此，以太坊成為新生態系統中去中心化應用程序的基石，這種增長穩定了其價格。</p>
<p>SEC 並未正式將以太坊分類為商品或證券，但在七月批准了首批以太坊現貨價格 ETFs。在過去 12 個月中，該加密貨幣的價格已上漲近 70%，約為 2,600 美元，但隨着加密寒冬的結束和其開發者生態系統的蓬勃發展，它可能會飆升更高。在去年的一次投資者演示中，Cathie Wood 斷言以太坊的市值到 2032 年可能達到 20 萬億美元，這將使每個代幣的市場價格超過 166,000 美元。</p>
<h2>3. 瑞波幣</h2>
<p>瑞波幣是瑞波支付網絡的本地加密貨幣。它在 2013 年推出之前鑄造了其全部供應的 1000 億代幣，並將其中超過一半的代幣鎖定在其區塊鏈的託管賬户中。它定期釋放這些代幣以穩定其流動性和供應。最初，瑞波希望其金融客户——他們將其區塊鏈用作比傳統 SWIFT（全球銀行間金融電信協會）協議更便宜和更快的替代方案的金融客户——會將瑞波幣作為替代法定貨幣。</p>
<p>但這從未發生，SEC 最終在 2020 年起訴了瑞波，並聲稱其 XRP 代幣發行是非法的未註冊證券銷售。今年早些時候，該訴訟以比預期輕的和解結束。Grayscale 隨後將其 XRP 信託基金（之前在 2021 年關閉）重新推出為專為合格投資者的封閉式基金（CEF）。這一舉措可能為未來吸引更多 dApps 和其他加密資產的開發者鋪平道路。為了吸引更多的開發者開發 dApps 和其他加密資產，瑞波計劃將與以太坊兼容的智能合約整合到一個新的與 XRP 賬本相連的側鏈中。</p>
<p>在過去 12 個月中，瑞波幣的價格僅上漲約 10%。它目前交易約為 0.55 美元，市值僅為 310 億美元。但在接下來的 12 個月中，隨着投資者再次轉向更具風險的另類幣，瑞波幣的價格可能會飆升。</p>

GBTC

ETHE

<p>美國聯邦儲備委員會最近的降息可能會提升加密貨幣的吸引力。分析師建議投資比特幣、以太坊和瑞波幣。比特幣市值達到了 0.3 萬億美元，被視為一個安全的投資選擇，有望在 2025 年達到 10 萬美元。以太坊市值為 2 千億美元，已經轉向通縮模式，可能在 2032 年達到 2 萬美元。儘管瑞波幣在過去面臨法律挑戰，但隨着投資者重新關注，其受到了越來越多的關注。總體而言，隨着市場條件的改善，這些加密貨幣有望實現潛在增長</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>在過去兩年中，隨着利率上升，投資者轉向更加保守的投資，許多加密貨幣失去了吸引力。但是，美聯儲在四年來首次於九月份降低了基準利率，廣泛預期它將在不久的將來再次降低利率。</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>這種轉變可能會再次使加密貨幣變得更具吸引力。如果您想從這一趨勢獲利，您應該考慮購買這三種卓越的加密貨幣：<strong>比特幣</strong>(BTC 0.76%)、<strong>以太坊</strong>(ETH 0.32%) 和 <strong>瑞波幣</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>圖片來源：Getty Images。</p>
</div><h2>1. Bitcoin</h2>
<div class="lb-trans"><h2>1. 比特幣</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>比特幣市值為 1.3 萬億美元，是全球最有價值的加密貨幣，也是第十有價值的資產。它的供應上限為 2,100 萬枚，其中已經挖掘出了 19.8 萬枚。比特幣仍然通過能源密集型的工作量證明（PoW）共識機制進行挖礦，這需要強大的專用集成電路（ASIC）礦工。定期的 “減半”（每四年一次）會將挖礦獎勵減半。</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>這些特點使比特幣更類似於貴金屬，而不同於其他通過更節能的權益證明（PoS）共識機制驗證（而非挖礦）的加密貨幣。這就是為什麼比特幣仍然是美國證券交易委員會（SEC）唯一正式將其視為商品而非證券的加密貨幣。這一分類支持了今年一月首批比特幣現貨價格交易基金（ETFs）的批准。它甚至已被薩爾瓦多和中非共和國認可為一種法定貨幣。</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>這些有利因素使得比特幣成為投資中最安全的加密貨幣。在過去 12 個月中，它已經上漲了近 150%，接近 68,000 美元，但仍遠低於市場最樂觀的預期。Social Capital 的 Chamath Palihapitiya 預計到 2025 年將達到 50 萬美元，Fidelity 的 Jurrien Timmer 預測到 2028-2030 年的價格為 100 萬美元，Ark Invest 的 Cathie Wood 表示到 2030 年可能達到 380 萬美元。我們應該對這些樂觀的估計持保留態度，但隨着投資者再次熱情於加密貨幣，比特幣仍有很大的增長空間。</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價值的加密貨幣，市值為 3,160 億美元。目前大約有 1.2 億以太坊代幣在流通，不像比特幣那樣有硬性供應上限。當以太坊區塊鏈在 2022 年的合併過程中從 PoW 機制過渡到 PoS 機制時，它從通脹代幣變為緊縮代幣。</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，以太坊再次變成通脹代幣，因為其供應逐漸增加。為了控制供應，以太坊持有者經常通過將代幣發送到 “銷燬門户” 來銷燬（從流通中取出）他們的代幣。</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>以太坊過渡到 PoS 機制還使其投資者能夠鎖定代幣一段固定時間以獲得類似利息的獎勵。它還增加了對智能合約的支持，用於開發去中心化應用程序（dApps）、非同質化代幣（NFTs）和其他加密資產。因此，以太坊成為新生態系統中去中心化應用程序的基石，這種增長穩定了其價格。</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 並未正式將以太坊分類為商品或證券，但在七月批准了首批以太坊現貨價格 ETFs。在過去 12 個月中，該加密貨幣的價格已上漲近 70%，約為 2,600 美元，但隨着加密寒冬的結束和其開發者生態系統的蓬勃發展，它可能會飆升更高。在去年的一次投資者演示中，Cathie Wood 斷言以太坊的市值到 2032 年可能達到 20 萬億美元，這將使每個代幣的市場價格超過 166,000 美元。</p>
</div><h2>3. XRP</h2>
<div class="lb-trans"><h2>3. 瑞波幣</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>瑞波幣是瑞波支付網絡的本地加密貨幣。它在 2013 年推出之前鑄造了其全部供應的 1000 億代幣，並將其中超過一半的代幣鎖定在其區塊鏈的託管賬户中。它定期釋放這些代幣以穩定其流動性和供應。最初，瑞波希望其金融客户——他們將其區塊鏈用作比傳統 SWIFT（全球銀行間金融電信協會）協議更便宜和更快的替代方案的金融客户——會將瑞波幣作為替代法定貨幣。</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>但這從未發生，SEC 最終在 2020 年起訴了瑞波，並聲稱其 XRP 代幣發行是非法的未註冊證券銷售。今年早些時候，該訴訟以比預期輕的和解結束。Grayscale 隨後將其 XRP 信託基金（之前在 2021 年關閉）重新推出為專為合格投資者的封閉式基金（CEF）。這一舉措可能為未來吸引更多 dApps 和其他加密資產的開發者鋪平道路。為了吸引更多的開發者開發 dApps 和其他加密資產，瑞波計劃將與以太坊兼容的智能合約整合到一個新的與 XRP 賬本相連的側鏈中。</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>在過去 12 個月中，瑞波幣的價格僅上漲約 10%。它目前交易約為 0.55 美元，市值僅為 310 億美元。但在接下來的 12 個月中，隨着投資者再次轉向更具風險的另類幣，瑞波幣的價格可能會飆升。</p>
</div>

Prediction: These 3 Phenomenal Cryptocurrencies Are Set to Soar

- 加息導致加密貨幣吸引力下降，但美聯儲近期降息可能改變趨勢。  
- 比特幣、以太坊和 XRP 被認為是值得投資的三種加密貨幣。  
- 比特幣市值 1.3 萬億美元，以太坊市值 3160 億美元，XRP 市值 310 億美元。

預測：這三種非凡的加密貨幣將迎來大幅上漲