Ripple的XRPL 3.0：通過貸款協議徹底改變機構偏差

XRPL 3.0通過引入本機貸款方案，隱私令牌和液體蓄積，促進合規和有效的區塊鏈融資來重新定義機構偏差。

Ripple's XRPL 3.0: Revolutionizing Institutional DeFi with Lending Protocol

Ripple的XRPL 3.0：通過貸款協議徹底改變機構偏差

Ripple is making waves with its XRPL 3.0 upgrade, designed to bring institutional-grade decentralized finance (DeFi) to the forefront. This update introduces a native lending protocol, privacy tokens, and liquid staking, aiming to create a compliant, efficient, and innovative blockchain finance model. Keep reading to find out what it all means!

Ripple正在使用其XRPL 3.0升級進行波浪，旨在將機構分散的金融（DEFI）帶到最前沿。此更新引入了本機貸款協議，隱私令牌和液體儲存，旨在創建合規，高效和創新的區塊鏈融資模型。繼續閱讀以找出這一切的含義！

XRPL 3.0: A New Era for Institutional Lending

XRPL 3.0：機構貸款的新時代

The heart of XRPL 3.0 lies in its native lending protocol. This feature, expected to launch this year, is set to facilitate low-cost, regulation-compliant credit markets directly on the XRP Ledger. By integrating lending into the ledger, Ripple aims to simplify credit operations while upholding institutional standards. Single-Asset Vaults will aggregate liquidity, issuing vault shares and automating loan management, ensuring transparency for regulated institutions.

XRPL 3.0的核心在於其本地貸款方案。該功能預計將在今年推出，將直接在XRP Ledger上促進低成本，符合法規的信貸市場。通過將貸款整合到分類帳中，Ripple的目標是在維護機構標準的同時簡化信用運營。單資產保險庫將匯總流動性，發行保險庫股票和自動化貸款管理，從而確保受管制機構的透明度。

Privacy and Compliance: A Balancing Act

隱私與合規：平衡行為

Privacy is a major focus, with the introduction of zero-knowledge proof (ZKP) functionality. Expected in early 2026, Confidential Multi-Purpose Tokens (MPTs) will enable privacy-preserving collateral management while adhering to compliance standards. ZKP allows institutions to verify KYC compliance without exposing personal details, balancing privacy with necessary monitoring and auditability.

隱私是主要重點，隨著零知識證明（ZKP）功能的引入。預計在2026年初，機密多功能令牌（MPT）將在遵守合規標準的同時，在遵守合規標準的同時，可以實現隱私的抵押管理。 ZKP允許機構驗證KYC合規性，而無需公開個人詳細信息，平衡隱私與必要的監控和可審計性。

Liquid Staking and Institutional Growth

液體積累和機構增長

Liquid staking is another key component. At XRPL Seoul 2025, mXRP, a liquid staking token, was introduced, offering returns between 6 and 8 percent. This allows participants to earn on their XRP holdings while maintaining liquidity and interoperability with decentralized applications. It’s all about making DeFi more accessible and appealing to institutional investors.

液體飼養是另一個關鍵組成部分。在XRPL Seoul 2025年，引入了液體含有令牌MXRP，提供了6％至8％的回報。這使參與者可以在其XRP持有量中賺取XRP持有量，同時保持流動性和與分散申請的互操作性。這一切都是關於使Defi更容易訪問和吸引機構投資者。

The Competitive Landscape

競爭格局

Of course, XRPL isn't the only player in the DeFi space. It faces competition from established ecosystems like Ethereum, Solana, and Avalanche. The success of XRPL 3.0 hinges on attracting liquidity, building investor confidence, and effectively integrating new features on a global scale.

當然，XRPL並不是Defi空間中唯一的玩家。它面臨來自以太坊，索拉納和雪崩等既定生態系統的競爭。 XRPL 3.0取決於吸引流動性，建立投資者信心並有效地將新功能整合到全球範圍內的成功。

My Take: A Bold Step Forward

我的看法：向前邁出一步

Ripple's approach is particularly interesting. By focusing on compliance and privacy, Ripple is directly addressing the concerns of institutional investors. The integration of ZKP and MPTs shows a clear understanding of the need for both confidentiality and regulatory visibility. If XRPL can successfully deliver on these promises, it could very well become a leading platform for institutional DeFi. The $1 billion monthly stablecoin transaction volume already suggests a promising start.

Ripple的方法特別有趣。通過關注合規性和隱私，Ripple直接解決了機構投資者的關注。 ZKP和MPT的集成表明對機密性和監管可見性的需求有清晰的了解。如果XRPL可以成功實現這些諾言，那麼它很可能會成為機構偏見的領先平台。每月10億美元的穩定交易量已經表明有前途的開始。

Conclusion: The Future is Bright (and Compliant)

結論：未來是光明的（兼容）

XRPL 3.0 represents a significant step towards integrating traditional finance with blockchain-based DeFi. With its focus on compliance, innovative lending protocols, and privacy-enhancing technologies, Ripple is positioning itself as a key player in the future of digital finance. Who knows, maybe we’ll all be managing our loans on the XRP Ledger soon enough! It will be an interesting journey for sure!

XRPL 3.0代表了將傳統金融與基於區塊鏈的Defi整合的重要一步。 Ripple著重於合規，創新的貸款協議和增強隱私技術，因此將自己定位為數字融資的未來關鍵參與者。誰知道，也許我們都會盡快在XRP Ledger上管理貸款！肯定這將是一個有趣的旅程！