XRPL上第一個完全非監護貸款和借貸協議背後的團隊確認其價格有限的XPF預售上線

儘管XRPL的三秒鐘和解時間和接近零的費用，但大多數渴望xrp的XRP持有人仍將其硬幣停在集中的“賺取”平台上

The team behind the first fully non-custodial lending and borrowing protocol on XRPL confirmed that its limited-price XPF presale will go live on May 8 at 16:00 UTC.

XRPL上第一個完全非監護貸款和借貸協議背後的團隊證實，其價格有限的XPF預售將於5月8日在16:00 UTC上線。

Despite XRPL’s three-second settlement times and near-zero fees, most yield-hungry XRP holders still park their coins on centralized “earn” platforms with no transparency on how the yield is being generated, an approach that has historically led to frozen withdrawals, opaque reserves, and regulatory blow-ups.

儘管XRPL的三秒鐘結算時間和接近零的費用，但大多數渴望XRP的XRP持有人仍將其硬幣停在集中的“賺錢”平台上，而對產量的產生方式卻沒有透明度，這種方法歷來導致了凍結的戒斷，不透明的儲量，不透明的預備役和監管爆炸。

Xpfinance eliminates those risks by executing every loan, repayment, and liquidation on-chain, letting users earn interest or borrow against their XRP without ever giving up custody.

XPFinance通過執行每筆貸款，還款和清算在鏈上，消除這些風險，讓用戶賺取利息或借用其XRP而不放棄監護權。

“Decentralization is non-negotiable for the next phase of XRPL growth,” said Damir Hadjic, CIO at Xpfinance.

XPfinance的CIO Damir Hadjic說：“對於下一階段的XRPL增長，權力下放是不可談判的。”

“Our protocol unlocks passive income while letting holders keep their private keys, exactly what the community has been asking for.”

“我們的協議可以釋放被動收入，同時讓持有人保留其私鑰，這正是社區所要求的。”

At the heart of the ecosystem is XPF, a fixed-supply utility token capped at 200 million.

生態系統的核心是XPF，XPF是一個固定的供應公用設施，限制為2億。

Holding or staking XPF unlocks lower borrowing rates, voting rights on governance proposals, and a share of protocol fees distributed directly in XRP.

持有或存放XPF釋放較低的借貸利率，對治理建議的投票權以及直接分配在XRP中的協議費用。

30 percent of the supply is reserved for the presale and the remainder is tightly allocated to liquidity, community incentives, and a long-vested team pool.

30％的供應保留給預售，其餘的供應將緊密分配給流動性，社區激勵措施和長期投票的團隊池。

XPF token scarcity is baked in from day one.

XPF代幣短缺從第一天開始就被烘烤。

XPF presale details:

XPF預售詳細信息：

Launch date: 8 May 2025, 16:00 UTC

啟動日期：2025年5月8日，16：00 UTC

Presale allocation: 60 million XPF (30 % of total supply)

預售分配：6000萬XPF（佔總供應總額的30％）

Presale pricing: Fixed, with 1 XRP getting presale participants 200 XPF tokens

預售定價：固定，1 XRP獲得預售參與者200 XPF令牌

Exchange listing: Immediate debut on Magnetic and XP Market after the sale concludes

交換清單：銷售結束後立即在磁性和XP市場上首次亮相

In the 48 hours since Xpfinance opened its community channels, more than 150 members have flooded into the project’s Telegram, and analysts from three leading XRP research groups have issued “high-conviction” outlooks, citing the platform’s first-mover advantage and tangible utility.

自XPFinance開放社區渠道以來的48個小時內，已有150多名成員淹沒了該項目的電報，來自三個領先的XRP研究小組的分析師發出了“高降低”的前景，並引用了該平台的首次推廣優勢和有形的實用程序。

How to join the XPF presale

如何加入XPF預售

Prospective buyers can acquire XRP on leading exchanges such as Coinbase, Binance, or Bybit, transfer funds to a self-custody XRPL wallet like Xaman, and contribute directly via the presale portal once it opens.

潛在的買家可以在諸如Coinbase，Binance或Bybit之類的領先交易所中獲取XRP，將資金轉移到XAMAN等自我客戶castody XRPL錢包中，並在開放後直接通過預售門戶貢獻。

Participants must also set a simple trustline to receive their XPF, which will be airdropped automatically when the sale ends.

參與者還必須設置一個簡單的信任線來接收其XPF，銷售結束時將自動吹風。

A catalyst for XRPL DeFi

XRPL Defi的催化劑

With Ripple’s global expansion accelerating, highlighted by its $25 million RLUSD pledge to U.S. teachers and a reported bid to acquire USDC issuer Circle, market analysts believe institutional capital will soon seek on-chain yield opportunities.

隨著Ripple的全球擴張加速，其2500萬美元的RLUSD承諾向我們的教師致敬，並據報導要收購USDC發行人圈子的競標，市場分析師認為，機構資本將很快尋求鏈上的收益機會。

Xpfinance is positioning itself as the default money market to capture that inflow.

XPFinance將自己定位為捕獲流入的默認貨幣市場。

“Centralized yield platforms no longer meet the security standards of today’s investors,” said a research note from Luna Insights.

Luna Insights的一份研究說明說：“集中式收益平台不再符合當今投資者的安全標準。”

“Xpfinance brings a battle-tested DeFi model to XRPL, and the market is responding.”

“ XPFinance將經過戰鬥測試的Defi模型帶到XRPL，市場正在做出響應。”

About Xpfinance

關於xpfinance

Xpfinance is building the first non-custodial, over-collateralized lending and borrowing protocol on the XRP Ledger.

XPFinance正在XRP Ledger上建立第一個非抑制，過度合併的貸款和借款方案。

Powered by the XPF utility token, the platform lets users earn passive XRP income, access low-cost loans, and steer protocol governance, all without giving up control of their assets.

該平台由XPF公用事業令牌提供支持，使用戶可以賺取被動XRP收入，訪問低成本貸款和轉向協議治理，而無需放棄對其資產的控制。

Press & Investor Contact: team@xp.finance

新聞與投資者聯繫：team@xp.finance

Website: https://xp.integration.code.visualstudio.com/

網站：https：//xp.integration.code.visualstudio.com/

X: https://x.com/xpfinancexrp

X：https：//x.com/xpfinancexrp

Telegram: https://t.me/xpfinancexrp

電報：https：//t.me/xpfinancexrp