XRPL 通过突破性的原生借贷协议拥抱 DeFi

XRP Ledger (XRPL) 将通过 RippleX 开发人员提出的原生借贷协议来拥抱 DeFi 功能。该协议旨在促进 XRPL 上数字资产的直接借贷，通过消除中介机构来增强金融包容性和效率。其模块化设计拥有三个关键规范：用于伪账户的XLS-64d、用于代币化资产池的XLS-65d以及用于链下承销和链上贷款管理的XLS-66d。

XRPL Embraces DeFi with Native Lending Protocol Proposal

XRPL 通过原生借贷协议提案拥抱 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.

在一项突破性的开发中，RippleX 开发人员 Aanchal Malhotra 和 Vito Tumas 公布了针对 XRP Ledger (XRPL) 的原生借贷协议提案，承诺在该平台上开创去中心化金融功能的新时代。

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.

这一创新协议旨在彻底改变 XRPL 上的数字资产借贷，提供直接获取金融服务的途径，而无需中介机构的负担。它的实施有望提高金融包容性、透明度和效率，使用户能够参与安全且可访问的金融交易。

Modular Design for Flexibility and Reusability

模块化设计实现灵活性和可重用性

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

拟议的协议采用模块化设计，可提高灵活性和可重用性，具有三个关键规范：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引入了伪账户的概念，允许单个账户管理多个账本条目，从而实现高效的余额跟踪和代币发行。 XLS-65d 为特定的代币化资产池创建专用的“池”分类账条目，提供管理和跟踪贷款的框架。

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 为基础，通过引入链下承销、链上协议和强大的贷款管理功能来改变贷款流程。这一全面的规范为 XRPL 内完全集成的借贷平台奠定了基础。

Empowering Participants in the DeFi Ecosystem

赋能 DeFi 生态系统参与者

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 功能使流动性提供者能够将 XRP、wBTC 和 wETH 等可替代代币存入贷款池，从而从其资产中赚取利息。池代表在管理借贷池、吸引资本和促进贷款、确保生态系统的平稳运行方面发挥着至关重要的作用。

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.

借款人与资金池代表进行贷款条款的链下谈判，并在链上记录他们的协议，以提高透明度和问责制。该协议还促进具有预设利息条件的定期贷款，通过风险管理策略消除对抵押品的需求。

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

池代表提供首次损失资本，以保护流动性提供者免遭违约，从而在借贷生态系统内提供额外的安全层。

Ripple CTO's Enthusiasm and Vision

Ripple CTO 的热情和愿景

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 首席技术官 David Schwartz 对 XRP Ledger Native Lending Protocol 提案表达了极大的热情，认识到它为 XRP 引入新实用程序的潜力。他认为，其批准和实施可以显着增强 XRP 生态系统，为更便捷、高效和透明的金融服务铺平道路。

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 强调，这种借贷协议以及 XRPL 上的原生去中心化交易所对于实现更具包容性、用户友好性和强大的金融基础设施至关重要。

Conclusion

结论

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 原生借贷协议提案标志着 XRPL 发展的重要一步，将 DeFi 功能直接引入平台。其模块化设计、创新规范以及对赋予参与者权力的关注，承诺为数字资产借贷创建一个充满活力的生态系统。

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 和更广泛的 XRPL 社区的支持下，该提案有可能重塑 XRPL 上的 DeFi 格局，为所有人提供前所未有的金融服务并促进金融包容性。