瑞波币是由OpenCoin公司发行的虚拟货币，称作Ripple Credits，又称作XRP，中文名为瑞波币。
Ribbon is a virtual currency issued by OpenCoin, known as Ripple Credits, also known as XRP, and Chinese called Ribbon.
Ripple是世界上第一个开放的支付网络，通过这个支付网络可以转账任意一种货币，简便易行快捷，交易确认在几秒以内完成，交易费用几乎是零，没有所谓的跨行异地以及跨国支付费用。
Ripple is the first open payment network in the world through which any currency can be transferred, easily and quickly, transactions can be confirmed to be completed in a few seconds, transaction costs are almost zero, there is no so-called cross-border and cross-border payments.
Ripple开放式支付系统是一个虚拟货币网络（分布式的P2P清算网络）、未来的电子支付平台。2004年，RyanFugger就推出了Ripple的第一个实现版本，它的目标是构建一个去中心化的、准许任何人创建自家货币的虚拟货币系统。目前Ripple由OpenCoin公司（目前改名为RippleLabs）开发、运行、维护。
The Ripple Open Payment System is a virtual currency network (distributed P2P clearing network) and a future electronic payment platform. In 2004, RyanFugger launched the first version of the Ripple realization, which aims to build a decentralised virtual monetary system that allows anyone to create their own currency.
?
?
或许在外人眼里，Ripple是个后来者，但实际上Ripple项目的起源远远早于比特币。2004年，Ryan Fugger就推出了Ripple的第一个实现版本。它的目标是构建一个去中心化的、准许任何人创建自家货币的虚拟货币系统。Ripple网络中的金钱都用“债务”表示，所有交易均表现为帐务余额的变化。
Perhaps, in the eyes of outsiders, Ripple is a latecomer, but in fact the Ripple project started well before Bitcoin. In 2004, Ryan Fugger launched the first version of the Ripple realization. Its goal is to build a decentralized virtual monetary system that allows anyone to create their own currency.
它的运作方式类似于银行的清算系统：在进行跨行汇款时，银行间款项的实际结转会被尽可能延后到夜晚，此时银行计算它与其它银行的应结款项。有可能来自某个银行的待转入款正好与它要转给该银行的待转出款相抵，这样它实际上不需要转出、转入任何款项；即使不能完全相抵，它实际结转的金额一般也会远小于客户的电汇金额之和。
It operates in a manner similar to the bank’s liquidation system: when cross-bank transfers are made, the actual carry-over between banks is delayed as far as possible until nighttime, when the bank calculates the balance between the bank and the other bank. There is a possibility that the pending transfer from a bank is counterbalanced by the outstanding transfer that it is intended to transfer to the bank, so that it does not actually have to transfer any funds; if not, the actual carry-over would generally be much smaller than the sum of the customer’s wire transfers.
Ripple项目的初衷就是要建立一个分布式的P2P清算网络：每个人都是自己的银行，可以签发、接受借贷，同时又作为借贷通道（例如A想向B借钱，他们互不认识，却正好都认识C，那么C就可以作为A、B的通道，C先向B借钱，然后再把钱借给A，间接实现A向B借钱）。
The purpose of the Ripple project was to create a distributed P2P clearing network: each person is his or her own bank and can issue and accept loans while at the same time acting as a channel for borrowing (e.g. A wants to borrow money from B, they do not know each other, but they do know C, so C can serve as a channel for A and B, C borrows money from B and then lends money to A and indirectly A borrows from B).
该项目几乎依靠Ryan Fugger一个人的力量支撑下来，并获得了一定的成功。但Ripple的用户一直不多，仅流行于若干个孤立的小圈子，原因很简单：Ripple的设计思路基于熟人关系和信任链，一个人要使用Ripple网络进行汇款或借贷，前提是在网络中已经存在他的朋友，否则无法在该用户与其它用户之间建立信任链。
The project is almost supported by Ryan Fugger’s efforts alone, and has achieved some success. But Ripple’s users have been few and are in a few isolated circles, for the simple reason that Ripple’s design is based on acquaintances and chains of trust, and that a person uses the Ripple network for money transfers or borrowing, provided that his friends already exist in the network, otherwise it is not possible to build a chain of trust between the user and the other users.
?
?
Ripple总共发行一千亿XRP。XRP目前可精确到6位小数。最小的单位称为一滴（drop）。1000000滴等于1 XRP，1XRP=1000000dXRP。简单讲XRP是由OpenCoin公司发行的在ripple网络中流通的基础虚拟货币，就像比特币一样可以整个网络中流通，而不必局限于熟人圈子。传统的货币是储存在不同金融系统里的，比如VISA/MASTERCARD信用卡中或者支付宝里面。
Ripple issues a total of 100 billion XRPs. The XRP is currently accurate to six decimals. The smallest unit is called a drop. One million drops equal to one XRP, and one XRP = 100 milliond XRP. Simply put, the XRP is a basic virtual currency that OpenCoin distributes in the Ripple network, which, like Bitcoin, circulates throughout the network without being limited to familiar circles. The traditional currency is stored in different financial systems, such as VISA/MASTERCARD credit cards or payment treasures.
如果你要在不同的兄里面转账，他们会收取你高额的手续费，并且不同的金融系统对你的身份会有严格的检查。XRP用来在每笔交易中支付极小的费用，XRP可以在Ripple入口节点之间转账，并可以兑换成任何货币。XRP的发行总数是固定的，在开始就被设定为1000亿个。不会再发行。Ripple的交易费用非常的低，每次交易只有1/1000美分的交易费。这个交易费是用来防止有人通过大量的交易破坏系统的行为。
If you want to transfer in different brothers, they will charge you a very high fee, and there will be a strict check of your identity in different financial systems. XRP is used to pay very small fees in each transaction, and XRP transfers between the Ripple entrance nodes and can be converted into any currency. The total number of XRP distributions is fixed, set at 100 billion at the beginning. It will not be issued again. Ripple deals are very low, with only one thousand cents per transaction. This transaction fee is used to prevent people from disrupting the system through a large number of transactions.
?
? ?1、交易费用低
♪ 1 ♪ low transaction costs
不同法币之间的交易，通常会收取百分之几，再加上交易费用。Ripple的任何交易都低于0.01$。
Transactions between different French currencies are usually charged a few per cent plus transaction costs. Any transaction by Ripple is less than $0.01 million.
2、匿名
2. Anonymous
Ripple网络不需要用户提供电子邮件，名字，或其他任何信息，为消费者提供隐私。
The Ripple network does not require users to provide e-mails, names or any other information to provide privacy to consumers.
3、安全
3. Security
发送ripple就像发送现金一样，接收完毕后，没有任何其他费用，用信用卡和支票付款，付款人必须提供个人信息，这样可能会导致欺诈。
Sending Ripple, like sending cash, after receiving it, without any other charges, paying with credit cards and cheques, and obliging the payer to provide personal information may lead to fraud.
4、可靠
4. Reliable
由于ripple交易不可逆，商户可以同任何人进行交易，而不用担心反悔。
Since the Ripple deal is irreversible, the comptoir may deal with anyone without rebuke.
?
?
? ? 1、现实与虚拟货币的双向流通；
♪ 1, the two-way flow of reality and virtual currency;
2、多币种的P2P兑换与支付；
2. Multi-currency P2P conversion and payment;
3、P2P网络信贷；
3. P2P network credit;
4、个人网络清算。
4. Individual network liquidation.
?
?
同比特币一样，Ripple也是一种可共享的公共数据库，同时它也是全球性的收支总账。共识机制允许Ripple网络中的所有计算机在几秒钟内自动接受对总账信息的更新，而无需经由中央数据交换中心。这种处理速度是Ripple在工程学方面的一次重大突破。它意味着Ripple的交易确认时间仅为3?5秒，而比特币则需要40分钟。
Like Bitcoin, Ripple is a shared public database, and it is a global master record of income and expenditure. Consensus allows all computers in the Ripple network to be automatically updated for a few seconds without going through the Central Data Exchange. This processing speed is a major engineering breakthrough for Ripple.
?
?
?
Ripple网络的设计目标就是无缝传输任何形式的货币，无论是美元，欧元，英镑，日元或比特币，提供的是解决方案。
The aim of the Ripple network is the seamless transmission of any form of currency, be it the United States dollar, the euro, the pound sterling, the Japanese yen or the bitcoin, which provides the solution.
Ripple协议的高级开发人员和Bitcoin的倡导者“斯蒂芬·托马斯 说：Ripple将为Bitcoin用户开设更多的网关，是Bitcoin更轻松简单连接到主流金融世界的桥梁与Bitcoin的一样：
Stephen Thomas, a senior developer of the Ripple agreement and advocate of Bitcoin, says that Ripple will open more gateways to Bitcoin users, a bridge that connects Bitcoin more easily to the mainstream financial world, just like Bitcoin:
1、ripple和比特币一样都是开源的，通过P2P传播网络，xrp和比特币一样可以在账户与账户之间转移，不需要任何第三方软件。
By means of the P2P distribution network, xrp, like Bitcoin, is able to move between accounts without any third-party software.
2、ripple和比特币一样都是通过互联网发送，交易是不可逆转的，都提供数字货币独有的防伪证明。
2- Ripple and Bitcoin are sent over the Internet, as well as transactions that are irreversible and provide unique security proofs of digital currency.
3、ripple使用了和比特币一样的底层加密技术
Three. Ripple uses the same bottom encryption technology as Bitcoin.
4、Ripple has multi-signature support （ripple支持多签名认证）
4. Ripple has multi-signure support (Ripple supports multiple signature authentication)
5、交易费用极低
5. Extremely low transaction costs
6、任何人都可以运行ripple服务器
6. Anyone can run the Ripple server.
?
?
?
1）Ripple网络支持多种货币。除了自己的Ripple币，它还支持法定货币（例如美元、欧元、日元等），并打算在近期支持比特币，未来有可能支持所有虚拟货币。
The Ripple network supports multiple currencies. In addition to its own Ripple currency, it also supports the statutory currency (e.g., the United States dollar, the euro, the yen, etc.) and intends to support Bitcoin in the near future, with the potential to support all virtual currencies in the future.
2）Ripple网络自动进行汇率换算。也就是说，用户可以用任何一种类型的货币向他人支付另外任何一种类型的货币，从而实现所有货币的全网流通。
2) The Ripple network automatically converts the exchange rate. That is, the user can pay another currency of any kind to another person in any type of currency, thereby achieving full net circulation of all currencies.
3）Ripple的交易确认过程可在几秒钟之内完成。Ripple引入了一个“共识（Consensus）”机制，通过特殊节点的投票，在很短的时间内就能够对交易进行验证和确认。
3) The transaction confirmation process in Ripple can be completed in a few seconds. Ripple has introduced a Consensus mechanism that allows for validation and confirmation of the transaction in a very short period of time by means of a vote at a special node.
4）Ripple客户端不需要下载区块链，它在普通节点上舍弃掉已经验证过的总帐本链，只保留最近的已验证总帐本和一个指向历史总帐本的链接，因而同步和下载总帐本的工作量很小。
4) The Ripple client does not have to download the block chain, it discards the validated master account chain at the ordinary nodes, keeps only the most recent certified ledger and a link to the historical ledger, and thus the effort to synchronize and download the master ledger is minimal.
5）Ripple无需也不能挖矿。
5) Ripple does not have to dig and cannot dig.
6）Ripple币的总量非但不能增加，而且只能递减。该公司已经创造出了1000亿个单位的Ripple币，计划最终向外发行75%的Ripple货币供应，并承诺永不增发。用户在进行每次交易时要花费一定的Ripple币（金额非常非常低，大约是1/1000美分），这个交易费不交给任何人，只是凭空消失。因此Ripple币只会越来越少，但减少的速度非常慢。
The company has created 100 billion units of Ripple, and plans to eventually distribute 75% of Ripple money to the outside world and promise never to increase. Users spend a certain amount of Ripple (very low, about 1/1000 cents) on each transaction, and the transaction cost simply disappears empty-handedly.
?
?
?
瑞波币（XRP）和比特币一样都是基于数学和密码学的数字货币，但是与比特币没有真正的用途不同，XRP在Ripple系统中有主要桥梁货币和有保障安全的功能，其中保障安全的功能是不可或缺的，这要求参与这个协议的网关都必须持有少量XRP。
XRP, like Bitcoin, is a digital currency based on mathematics and cryptography, but unlike Bitcoin, which has no real use, XRP has the primary bridge currency and secure functions in the Ripple system, which are essential for securing security, which requires that the gateways involved in this agreement must hold a small number of XRPs.
理论上而言，网关们需要购买的XRP并不多，其价格也非常便宜，1个XRP仅为0.4美分（截止2015年3月14日，其价格已经升至1美分左右）。与比特币一样，XRP的数量也是不能“超发”的（总量为1000亿个），但由于每次交易都将销毁少量XRP，这就意味着XRP的数量会逐渐减少。如果Ripple协议能够成为全球主流的支付协议，网关们对于XRP的需求就会更为广泛——需求旺盛而数量却在减少，就会导致XRP的升值。
Theoretically, the XRPs needed to be purchased by the gateways were not much, and their prices were very cheap, with one XRP being only 0.4 cents (as of 14 March 2015 the price had risen to around a cent). As in Bitcoin, the number of XRPs was not “exceeding” (a total of 100 billion), but since each transaction would destroy a small amount of XRP, that meant that the number of XRPs would gradually decrease. If the Ripple deal could become a global mainstream payment agreement, the need for XRPs by the gateways would be broader – demand would be strong and the quantity reduced, leading to an appreciation of XRPs.
Ripple Labs 持有770亿的XRP，简单以0.4美分的价格估值，价值约为3亿美元。Ripple Labs称，为了让Ripple协议有更多的参与者，他们将逐步将其中的550亿XRP捐赠给这一系统中的用户，自己留下220亿。而假如Ripple协议成为了主流支付协议，XRP数量又在减少，XRP就会升值，即使捐出了持有大部分XRP，Ripple Labs的价值仍然可以非常之高。
Ripple Labs holds 77 billion XRPs, valued at about $300 million at a simple price of 0.4 cents. Ripple Labs claims that, in order to increase the number of participants in the Ripple agreement, they will gradually donate 55 billion XRPs to users in the system, leaving 22 billion of them.
这仅仅是设想。毕竟，这一支付协议还只是一个新生的事物。截至目前，全球首家、也是唯一一家的宣布接入Ripple协议的银行，是德国Fidor银行，这是一家在数字货币领域踊跃探索的互联网直销银行，总部设在德国慕尼黑。此前，该银行在与比特币合作也被视为开创性的举动。
After all, this payment agreement is just a new thing. So far, the first and only bank in the world to announce access to the Ripple agreement is the German Fidor Bank, a direct Internet sales bank that has been widely explored in the field of digital money, with its headquarters in Munich, Germany.
?
虽然有了起步，但Ripple协议要“征服”银行，尤其是不像Fidor那么创新的传统银行，仍是任重道远。
Despite the start, the Ripple agreement still has a long way to go to “conquer” banks, especially traditional banks that are not as innovative as Fidor.
?
*内容来源：MBA智库、知乎等，由非小号吐血整理，如若转载，请注明出处。
发表评论