XRPL 透過突破性的原生借貸協議擁抱 DeFi

XRP Ledger (XRPL) 將透過 RippleX 開發人員提出的原生借貸協議來擁抱 DeFi 功能。該協議旨在促進 XRPL 上數位資產的直接借貸，透過消除中介機構來增強金融包容性和效率。其模組化設計有三個關鍵規範：用於偽帳戶的XLS-64d、用於代幣化資產池的XLS-65d以及用於鏈下承銷和鏈上貸款管理的XLS-66d。

XRPL Embraces DeFi with Native Lending Protocol Proposal

XRPL 透過原生借貸協議提案擁抱 DeFi

In a groundbreaking development, RippleX developers Aanchal Malhotra and Vito Tumas have unveiled a Native Lending Protocol proposal for the XRP Ledger (XRPL), promising to usher in a new era of decentralized finance capabilities on the platform.

在一項突破性的開發中，RippleX 開發人員 Aanchal Malhotra 和 Vito Tumas 公佈了針對 XRP Ledger (XRPL) 的原生借貸協議提案，承諾在該平台上開創去中心化金融功能的新時代。

This innovative protocol aims to revolutionize digital asset lending and borrowing on XRPL, offering direct access to financial services without the burden of intermediaries. Its implementation promises to enhance financial inclusion, transparency, and efficiency, empowering users to engage in secure and accessible financial transactions.

這項創新協議旨在徹底改變 XRPL 上的數位資產借貸，提供直接獲取金融服務的途徑，而無需中介機構的負擔。它的實施有望提高金融包容性、透明度和效率，使用戶能夠參與安全且可存取的金融交易。

Modular Design for Flexibility and Reusability

模組化設計實現靈活性和可重複使用性

The proposed protocol boasts a modular design that promotes flexibility and reusability, featuring three key specifications: XLS-64d, XLS-65d, and XLS-66d.

建議的協議採用模組化設計，可提高靈活性和可重用性，並具有三個關鍵規範：XLS-64d、XLS-65d 和 XLS-66d。

XLS-64d introduces the concept of a Pseudo-Account, allowing a single account to manage multiple ledger entries, enabling efficient balance tracking and token issuance. XLS-65d creates dedicated 'Pool' ledger entries for specific tokenized asset pools, providing a framework for managing and tracking loans.

XLS-64d引入了偽帳戶的概念，允許單一帳戶管理多個帳本條目，從而實現高效的餘額追蹤和代幣發行。 XLS-65d 為特定的代幣化資產池建立專用的「池」分類帳條目，提供管理和追蹤貸款的框架。

Building upon XLS-65d, XLS-66d transforms lending processes by introducing off-chain underwriting, on-chain agreements, and robust loan management capabilities. This comprehensive specification lays the groundwork for a fully integrated lending platform within XRPL.

XLS-66d 以 XLS-65d 為基礎，透過引入鏈下承銷、鏈上協議和強大的貸款管理功能來改變貸款流程。這項全面的規範為 XRPL 內完全整合的借貸平台奠定了基礎。

Empowering Participants in the DeFi Ecosystem

賦能 DeFi 生態系參與者

The XRPL DeFi capability empowers liquidity providers to deposit fungible tokens like XRP, wBTC, and wETH into lending pools, earning interest on their assets. Pool Delegates play a crucial role in managing Lending Pools, attracting capital, and facilitating loans, ensuring the smooth functioning of the ecosystem.

XRPL DeFi 功能使流動性提供者能夠將 XRP、wBTC 和 wETH 等可替代代幣存入貸款池，從而從其資產中賺取利息。池代表在管理借貸池、吸引資本和促進貸款、確保生態系統的平穩運作方面發揮著至關重要的作用。

Borrowers engage in off-chain negotiation of loan terms with Pool Delegates, recording their agreements on-chain for transparency and accountability. The protocol also facilitates fixed-term loans with pre-set interest terms, eliminating the need for collateral through risk management strategies.

借款人與資金池代表進行貸款條款的鏈下談判，並在鏈上記錄他們的協議，以提高透明度和問責制。該協議還促進具有預設利息條件的定期貸款，透過風險管理策略消除對抵押品的需求。

Pool Delegates provide first-loss capital to protect Liquidity Providers against defaults, providing an additional layer of security within the lending ecosystem.

池代表提供首次損失資本，以保護流動性提供者免於違約，從而在藉貸生態系統內提供額外的安全層。

Ripple CTO's Enthusiasm and Vision

Ripple CTO 的熱情與願景

Ripple CTO David Schwartz has expressed immense enthusiasm for the XRP Ledger Native Lending Protocol proposal, recognizing its potential to introduce new utility to XRP. He believes that its approval and implementation could significantly enhance the XRP ecosystem, paving the way for more accessible, efficient, and transparent financial services.

Ripple 技術長 David Schwartz 對 XRP Ledger Native Lending Protocol 提案表達了極大的熱情，並認識到它為 XRP 引入新實用程式的潛力。他認為，其批准和實施可以顯著增強 XRP 生態系統，為更便利、高效和透明的金融服務鋪平道路。

Schwartz emphasized that this lending protocol, alongside the native decentralized exchange on XRPL, is crucial for enabling a more inclusive, user-friendly, and robust financial infrastructure.

Schwartz 強調，這種借貸協議以及 XRPL 上的原生去中心化交易所對於實現更具包容性、用戶友好性和強大的金融基礎設施至關重要。

Conclusion

結論

The XRPL Native Lending Protocol proposal marks a significant step forward in the evolution of XRPL, bringing DeFi capabilities directly to the platform. Its modular design, innovative specifications, and focus on empowering participants promise to create a vibrant ecosystem for digital asset lending and borrowing.

XRPL 原生借貸協議提案標誌著 XRPL 發展的重要一步，將 DeFi 功能直接引入平台。其模組化設計、創新規範以及對賦予參與者權力的關注，承諾為數位資產借貸創建一個充滿活力的生態系統。

With the support of RippleX and the broader XRPL community, this proposal has the potential to reshape the DeFi landscape on XRPL, offering unprecedented access to financial services and fostering financial inclusion for all.

在 RippleX 和更廣泛的 XRPL 社群的支持下，該提案有可能重塑 XRPL 上的 DeFi 格局，為所有人提供前所未有的金融服務並促進金融包容性。