XRPL上第一个完全非监护贷款和借贷协议背后的团队确认其价格有限的XPF预售上线

尽管XRPL的三秒钟和解时间和接近零的费用，但大多数渴望xrp的XRP持有人仍将其硬币停在集中的“赚取”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上第一个完全非监护贷款和借贷协议背后的团队证实，其价格有限的XPF预售将于5月8日在16:00 UTC上线。

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.

尽管XRPL的三秒钟结算时间和接近零的费用，但大多数渴望XRP的XRP持有人仍将其硬币停在集中的“赚钱”平台上，而对产量的产生方式却没有透明度，这种方法历来导致了冻结的戒断，不透明的储量，不透明的预备役和监管爆炸。

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通过执行每笔贷款，还款和清算在链上，消除这些风险，让用户赚取利息或借用其XRP而不放弃监护权。

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

XPfinance的CIO Damir Hadjic说：“对于下一阶段的XRPL增长，权力下放是不可谈判的。”

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

“我们的协议可以释放被动收入，同时让持有人保留其私钥，这正是社区所要求的。”

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

生态系统的核心是XPF，XPF是一个固定的供应公用设施，限制为2亿。

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释放较低的借贷利率，对治理建议的投票权以及直接分配在XRP中的协议费用。

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％的供应保留给预售，其余的供应将紧密分配给流动性，社区激励措施和长期投票的团队池。

XPF token scarcity is baked in from day one.

XPF代币短缺从第一天开始就被烘烤。

XPF presale details:

XPF预售详细信息：

Launch date: 8 May 2025, 16:00 UTC

启动日期：2025年5月8日，16：00 UTC

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

预售分配：6000万XPF（占总供应总额的30％）

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

预售定价：固定，1 XRP获得预售参与者200 XPF令牌

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

交换清单：销售结束后立即在磁性和XP市场上首次亮相

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开放社区渠道以来的48个小时内，已有150多名成员淹没了该项目的电报，来自三个领先的XRP研究小组的分析师发出了“高降低”的前景，并引用了该平台的首次推广优势和有形的实用程序。

How to join the XPF presale

如何加入XPF预售

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.

潜在的买家可以在诸如Coinbase，Binance或Bybit之类的领先交易所中获取XRP，将资金转移到XAMAN等自我客户castody XRPL钱包中，并在开放后直接通过预售门户贡献。

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

参与者还必须设置一个简单的信任线来接收其XPF，销售结束时将自动吹风。

A catalyst for XRPL DeFi

XRPL Defi的催化剂

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.

随着Ripple的全球扩张加速，其2500万美元的RLUSD承诺向我们的教师致敬，并据报道要收购USDC发行人圈子的竞标，市场分析师认为，机构资本将很快寻求链上的收益机会。

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

XPFinance将自己定位为捕获流入的默认货币市场。

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

Luna Insights的一份研究说明说：“集中式收益平台不再符合当今投资者的安全标准。”

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

“ XPFinance将经过战斗测试的Defi模型带到XRPL，市场正在做出响应。”

About Xpfinance

关于xpfinance

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

XPFinance正在XRP Ledger上建立第一个非抑制，过度合并的贷款和借款方案。

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.

该平台由XPF公用事业令牌提供支持，使用户可以赚取被动XRP收入，访问低成本贷款和转向协议治理，而无需放弃对其资产的控制。

Press & Investor Contact: team@xp.finance

新闻与投资者联系：team@xp.finance

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

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

X: https://x.com/xpfinancexrp

X：https：//x.com/xpfinancexrp

Telegram: https://t.me/xpfinancexrp

电报：https：//t.me/xpfinancexrp