XPFinance启动了专门为涟漪（XRP）生态系统构建的第一个非客户贷款和借贷平台

波纹（XRP）生态系统继续随着各种新的伙伴关系，ETF推测和制度需求的增长而继续增长。但是，仍然缺少的是一种使用休眠XRP的安全且完全链的方式。 Xpfinance是解决方案，它通过启动了专门为Ripple Ledger（XRPL）构建的第一个非监护贷款和借款平台。

The Ripple (XRP) ecosystem is buzzing with activity. There's plenty of news flow on new partnerships, ETF speculation, and growing demand from institutions for the token. However, what is still sorely lacking is a safe and fully on-chain way to utilize the dormant XRP.

波纹（XRP）生态系统正在嗡嗡作响。关于新的合作伙伴关系，ETF猜测以及机构对代币的需求不断增长的新闻流。但是，仍然缺少的是一种安全且完全链的方法，可以利用休眠的XRP。

Xpfinance comes as a solution by launching the first non-custodial lending and borrowing platform built specifically for the Ripple Ledger (XRPL). This compares to the many centralized “earn” platforms that control private keys, decide when users can withdraw funds, and operate without transparency.

Xpfinance是解决方案，它通过启动了专门为Ripple Ledger（XRPL）构建的第一个非监护贷款和借款平台。这与控制私钥的许多集中式“赚取”平台相比，确定用户何时可以撤回资金并在没有透明度的情况下运行。

Why DeFi On Ripple Is Still Sluggish

为什么在涟漪上的defi仍然迟钝

Although Ripple Ledger (XRPL) boasts of three-second finality and fees that are a fraction of a cent, many yield seekers still rely on centralized “earn” platforms to provide them a return on their cryptocurrency holdings.

尽管Ripple Ledger（XRPL）拥有三秒钟的终结性和费用，而费用仅为百分之一，但许多寻求收益率的人仍然依靠集中的“赚钱”平台来为他们提供加密货币持有的回报。

These services control private keys, determine when users can withdraw funds, and often operate without transparency. This configuration has proven to be very dangerous as we've seen with cash hacks, sudden withdrawal freezes, or closure by regulators.

这些服务控制私钥，确定用户何时可以撤回资金，并且经常在没有透明度的情况下运行。正如我们在现金黑客攻击，突然的撤回冻结或监管机构关闭的情况下，这种配置已被证明非常危险。

Xpfinance addresses the problem of ownership by launching the first non-custodial lending and borrowing protocol built natively for XRPL. With full control over assets, instant settlement, micro-fees, and no geographical restrictions, Xpfinance offers a transparent and open solution for anyone with an XRPL wallet.

XPFinance通过启动为XRPL本地构建的第一个非监护贷款和借款协议来解决所有权问题。 XPFinance完全控制了资产，即时定居，微观费用，无地理限制，为有XRPL钱包的任何人提供了透明且开放的解决方案。

Advantages Of Xpfinance And $XPF Token

Xpfinance和$ XPF代币的优点

Xpfinance is different in that it gives full control of the assets to the user. User funds are held in escrow and can only be withdrawn by the owner. In addition, transactions are confirmed within seconds on XRPL, so capital is never trapped. The near-zero fees also mean more yield for users to enjoy.

XPFinance不同，因为它可以完全控制资产。用户资金在托管中持有，只能由所有者撤回。此外，交易在XRPL的几秒钟内得到确认，因此资本永远不会被困。接近零的费用也意味着用户可以享受更多的收益。

Xpfinance’s economy runs on $XPF, a utility token with a maximum amount of 200 million. This token not only supports long-term value, but also provides a reason for holders to continue holding the token. Benefits include lower borrowing costs, strength in governance, and staking rewards paid in Ripple (XRP).

XPFinance的经济在$ XPF上运行，XPF是一种公用设施，最多2亿。该代币不仅支持长期价值，而且还为持有人继续持有令牌提供了一个理由。福利包括较低的借贷成本，治理的实力以及在Ripple（XRP）支付的积分奖励。

$XPF Presale And Reasons To Invest Long Term

$ XPF预售和长期投资的理由

The first opportunity to purchase $XPF will arrive on Thursday, May 8, at 16:00 UTC. A total of 30% of the total supply, or 60 million tokens, has been reserved for presale buyers. After the sale ends, $XPF will be listed on Magnetic and XP Market at a price estimated to be 30% higher than the presale price, providing an immediate benefit to early participants.

购买$ XPF的第一个机会将于5月8日（星期四）16:00 UTC到达。总供应总额的总供应商总共有30％或6000万个令牌。销售结束后，$ XPF将以估计比预售价格高30％的价格在磁性和XP市场上列出，从而为早期参与者带来了直接的好处。

Reasons to hold $XPF long-term include growth in staking yield as protocol volumes increase, fixed supply combined with staking that reduces tokens from circulation, and integration with other dApps on XRPL that will drive more fees to $XPF stakers. Pioneer status also tends to attract liquidity that is difficult to recapture by later-coming competitors.

长期持有$ XPF的原因包括随着协议量的增加，固定供应的增加，固定供应以及降低令牌的固定供应以及与XRPL上的其他DAPP集成在一起的固定供应，这将向XPF Stakers推动更多费用。先锋地位还倾向于吸引流动性，这很难被以后的竞争者夺回。

Golden Opportunity In Ripple DeFi

Ripple Defi的黄金机会

Xpfinance offers a unique opportunity to harness the power of DeFi in the Ripple ecosystem in a safe and transparent way. By taking part in the $XPF presale, investors not only benefit financially but also contribute to the future of decentralized finance on the Ripple Ledger.

XPFinance提供了一个独特的机会，可以安全透明的方式利用波纹生态系统中的Defi的力量。通过参加$ XPF的预售，投资者不仅在经济上受益，而且还为波纹分类帐的分散融资的未来做出了贡献。

Don’t miss the opportunity to be part of this revolution.

不要错过参加这场革命的一部分的机会。