Ripple 宣布推出改變遊戲規則的 XRP Ledger 借貸協議，以增強 DeFi 能力

Ripple 開發者 Aanchal Malhotra 和 Vito Tumas 提出了關於 XRP Ledger (XRPL) 原生借貸協議的突破性提案。該協議旨在透過允許用戶在沒有中介的情況下點對點借貸數位資產來擴展網路的去中心化金融（DeFi）能力。

Ripple Unveils Revolutionary Lending Protocol for XRP Ledger, Expanding DeFi Capabilities

Ripple 推出革命性的 XRP Ledger 借貸協議，擴展 DeFi 功能

In a bold move that promises to revolutionize decentralized finance (DeFi) on the XRP Ledger (XRPL), Ripple developers Aanchal Malhotra and Vito Tumas have proposed the groundbreaking introduction of a native lending protocol. This transformative development, if approved, will significantly expand the network's DeFi capabilities and enhance the utility of XRP, Ripple's native cryptocurrency.

Ripple 開發者 Aanchal Malhotra 和 Vito Tumas 提出了突破性的原生借貸協議，此舉有望徹底改變 XRP Ledger (XRPL) 上的去中心化金融 (DeFi)。這項變革性的發展如果獲得批准，將顯著擴展網路的 DeFi 功能，並增強 Ripple 原生加密貨幣 XRP 的實用性。

Unleashing the Potential of Peer-to-Peer Lending

釋放點對點借貸的潛力

According to an announcement by Ripple's development arm, RippleX, on the X platform (formerly known as Twitter), the proposed lending protocol will empower users to engage in peer-to-peer (p2p) borrowing and lending of digital assets, eliminating the need for "unnecessary intermediaries." The protocol's modular design, emphasizing flexibility and reusability, aims to foster a robust lending ecosystem on the XRPL.

根據 Ripple 的開發部門 RippleX 在 X 平台（以前稱為 Twitter）上發布的公告，擬議的借貸協議將使用戶能夠參與數位資產的點對點（p2p）借貸，從而消除了對數位資產的依賴。必要的中介」。該協議的模組化設計強調靈活性和可重複使用性，旨在在 XRPL 上培育一個強大的借貸生態系統。

Introducing Groundbreaking Ledger Specifications

引入突破性的帳本規範

The modular design will introduce three key ledger specifications. The XLS-64d specification allows a single pseudo-account to be linked to multiple ledger entries, facilitating efficient balance tracking and token issuance. The XLS-65d specification introduces a new "Pool" ledger entry for a single tokenized asset pool. This entry will serve as the foundation for the creation and management of lending pools.

模組化設計將引入三個關鍵的帳本規格。 XLS-64d 規格允許單一偽帳戶連結到多個分類帳條目，從而促進高效的餘額追蹤和代幣發行。 XLS-65d 規格為單一代幣化資產池引入了新的「池」分類帳條目。本條目將作為貸款池創建和管理的基礎。

XLS-66d, the third specification, builds upon XLS-65d to manage the assets of Liquidity Providers (LPs) effectively. It introduces off-chain underwriting, on-chain agreements, and robust loan management capabilities, empowering the protocol to handle the complexities of peer-to-peer lending.

第三個規範 XLS-66d 建立在 XLS-65d 的基礎上，可有效管理流動性提供者 (LP) 的資產。它引入了鏈下承銷、鏈上協議和強大的貸款管理功能，使該協議能夠處理點對點借貸的複雜性。

The Mechanics of the Lending Protocol

借貸協議的機制

The proposed lending protocol envisions LPs depositing their crypto assets into a designated lending pool to generate interest. These lending pools will be managed by "Pool Delegates," whose primary responsibilities include attracting capital from lenders and facilitating loans to borrowers. Pool Delegates will also negotiate loan terms with borrowers off-chain, with the agreed-upon terms subsequently recorded on-chain.

擬議的貸款協議設想有限合夥人將其加密資產存入指定的貸款池以產生利息。這些貸款池將由「池代表」管理，其主要職責包括吸引貸款人的資本並促進向借款人提供貸款。池代表還將與鏈下借款人協商貸款條款，商定的條款隨後記錄在鏈上。

Fixed-Term Loans and Collateral-Free Borrowing

定期貸款和無抵押借款

The lending protocol will focus on fixed-term loans, with loan terms (including interest rates) being predetermined between the Pool Delegate and the borrower. Notably, the need for collateral is eliminated due to the off-chain underwriting and risk management capabilities introduced by XLS-66d.

貸款協議將側重於定期貸款，貸款條款（包括利率）由池代表和借款人預先確定。值得注意的是，由於 XLS-66d 引入了鏈下承銷和風險管理功能，因此消除了對抵押品的需求。

Protecting Lenders from Defaults

保護貸款人免受違約影響

To safeguard lenders against potential loan defaults, a first-loss protection scheme will be implemented. Pool Delegates can voluntarily provide first-loss capital to cover any defaults, ensuring that lenders are prioritized in the distribution of loan funds.

為了保護貸款人免受潛在貸款違約的影響，將實施首次損失保護計劃。資金池代表可以自願提供首次損失資本來彌補任何違約，確保貸款人在貸款資金分配中得到優先考慮。

A New Paradigm for Loan Management

貸款管理的新範式

Loan transactions will be managed through a new "Loan" ledger object. This object will handle all aspects of loan financing and withdrawals, including payment amounts and schedules as well as interest and principal payments. In the event of a loan default, the Loan ledger object will initiate the loan recovery process.

貸款交易將透過新的「貸款」分類帳對象進行管理。該對象將處理貸款融資和提款的所有方面，包括付款金額和時間表以及利息和本金付款。如果發生貸款違約，貸款分類帳對象將啟動貸款恢復流程。

Bullish Outlook for the XRP Ecosystem

XRP 生態系的樂觀前景

The proposed lending protocol is widely anticipated to have a positive impact on the XRP ecosystem. The development adds to the string of bullish developments that have emerged from Ripple recently, including the proposed launch of a stablecoin on the XRPL and the deployment of an Automated Market Maker (AMM).

人們普遍預計擬議的借貸協議將對 XRP 生態系統產生積極影響。這項進展為 Ripple 最近出現的一系列看漲進展增添了色彩，包括提議在 XRPL 上推出穩定幣以及部署自動做市商 (AMM)。

XRP Price Performance

XRP 價格表現

At the time of writing, XRP is trading at approximately $0.49, reflecting a modest gain of over 1% in the past 24 hours, as reported by CoinMarketCap. Despite the recent downturn in the broader cryptocurrency market, the introduction of the lending protocol offers long-term optimism for the price of XRP.

根據 CoinMarketCap 報導，截至撰寫本文時，XRP 的交易價格約為 0.49 美元，反映出過去 24 小時內小幅上漲超過 1%。儘管最近整體加密貨幣市場低迷，但藉貸協議的推出為 XRP 的價格帶來了長期樂觀。

Conclusion

結論

The proposed lending protocol on the XRP Ledger represents a significant step forward in the evolution of decentralized finance. By enabling peer-to-peer lending, expanding DeFi capabilities, and introducing innovative ledger specifications, the protocol has the potential to transform the XRPL into a robust hub for financial innovation. This development aligns with Ripple's ongoing commitment to building a more accessible and inclusive financial ecosystem, leveraging the power of blockchain technology.

XRP Ledger 上擬議的借貸協議代表著去中心化金融發展的重要一步。透過支援點對點借貸、擴展 DeFi 功能並引入創新的帳本規範，該協議有潛力將 XRPL 轉變為強大的金融創新中心。這一發展與 Ripple 的持續承諾相一致，即利用區塊鏈技術的力量建立一個更容易訪問和更具包容性的金融生態系統。