XpFinance Launches Non-Custodial Lending Protocol on XRPL

Xp.Finance is set to launch in 2025 as the first fully decentralized, non-custodial lending and borrowing protocol on the XRP Ledger (XRPL), marking a significant milestone for decentralized finance (DeFi) within the XRP ecosystem. The protocol aims to unlock the value of idle XRP by enabling over-collateralized loans with near-instant settlement, low fees, and user-controlled governance, addressing a long-standing gap in XRPL's DeFi offerings. The $XPF token lies at the heart of Xp.Finance, granting holders governance rights, a share of protocol fees, and the ability to influence platform upgrades and risk parameters. The closure of the SEC lawsuit against Ripple has fueled renewed innovation and investment in the XRPL, positioning Xp.Finance as a flagship project for both retail and institutional users. As global DeFi volumes surge and the XRPL expands with new partnerships and stablecoins, Xp.Finance is poised to deliver efficient, inclusive, and scalable financial services, with its mainnet launch targeted for Q3 2025. Early adopters of Xp.Finance have the opportunity to participate in protocol governance and earn passive income as the platform develops.