Ripple Labs公佈了其在XRP Ledger上建立機構分散融資（DEFI）生態系統的路線圖

區塊鏈開發人員正在優先考慮將XRP Ledger定位為“金融機構的安全，安全且可擴展的第1層”的應用程序

Ripple Labs has unveiled its roadmap for building an institutional decentralized finance (DeFi) ecosystem on the XRP Ledger blockchain network, according to a Feb. 25 blog post.

根據2月25日的博客文章，Ripple Labs已公佈其在XRP Ledger區塊鍊網絡上建立機構分散融資（DEFI）生態系統的路線圖。

The blockchain developer is prioritizing applications that position XRP Ledger as “a safe, secure, and scalable layer 1 for financial institutions looking to use blockchain in a regulated environment,” the developer said.

開發人員說，區塊鏈開發人員正在優先考慮將XRP Ledger定位為“對於希望在受管制環境中使用區塊鏈的金融機構的1層的安全性和可擴展性的第1層的應用程序”。

They include a permissioned decentralized exchange (DEX), a credit-based DeFi lending protocol and a new token standard, multi-purpose token (MPT), Ripple said.

Ripple說，其中包括一個允許的分散交易所（DEX），一種基於信用的Defi貸款協議和新的代幣標準，多功能令牌（MPT）。

Each of these will rely on XRP Ledger’s “decentralized identifiers” to integrate compliance checks into the application’s smart contracts, it said.

它說，這些都將依靠XRP Ledger的“分散標識符”將合規性檢查整合到應用程序的智能合約中。

XRP Ledger’s roadmap builds on top of existing infrastructure, including price oracles and an automated market maker (AMM).

XRP Ledger的路線圖建立在現有的基礎設施之上，包括價格甲殼機和自動化做市商（AMM）。

See related: Trump Could Urge US to Become ‘World’s Crypto Capital’ — Report

參見相關：特朗普可以敦促我們成為“世界的加密資本” - 報告

Lagging user growth

用戶增長滯後

The price of XRP Ledger’s native token, XRP (XRP), has increased by more than 300% since Nov. 5, when crypto-friendly Donald Trump won the US presidential race.

自11月5日以來，XRP Ledger的本地令牌XRP（XRP）的價格上漲了300％以上，當時加密貨幣友好的唐納德·特朗普贏得了美國總統大選。

As of Feb. 26, XRP’s market capitalization stands at approximately $128 billion, according to CoinMarketCap.

根據CoinMarketCap的數據，截至2月26日，XRP的市值約為1,280億美元。

However, activity on XRP Ledger still lags behind rival chains. It has a total value locked (TVL) of roughly $80 million, compared to Ethereum’s more than $50 billion, according to data from DefiLlama.

但是，XRP分類帳的活動仍然落後於競爭對手鍊。根據Defillama的數據，它的總價值鎖定（TVL）約為8000萬美元，而以太坊的超過500億美元。

Unlike blockchain networks such as Ethereum, XRP Ledger has not historically supported third-party smart contract deployments.

與以太坊這樣的區塊鍊網絡不同，XRP Ledger歷史上沒有支持第三方智能合同部署。

Products such as XRP Ledger’s AMM are deployed by Ripple’s core developer community.

XRP Ledger的AMM等產品由Ripple的核心開發人員社區部署。

The DEX has handled upward of $1 billion in cryptocurrency swaps since launching in 2024, Ripple CEO Brad Garlinghouse said in January.

Ripple首席執行官布拉德·加林豪斯（Brad Garlinghouse）在一月份表示，自2024年推出以來，DEX已處理了10億美元的加密貨幣掉期。

Launched in 2012, XRP Ledger is among the oldest blockchain networks.

XRP Ledger於2012年推出，是最古老的區塊鍊網絡之一。

Reasons for optimism

樂觀的原因

Ripple hopes that leaning into institutional DeFi, including real-world assets (RWAs), will supercharge the network’s growth, according to the blog post.

根據博客文章的報導，Ripple希望傾向於包括現實世界資產（RWAS）在內的機構Defi，將增長該網絡的增長。

Tokenized RWAs represent a $30-trillion market opportunity globally, Colin Butler, Polygon’s global head of institutional capital, told Cointelegraph in an interview.

Polygon全球機構資本負責人科林·巴特勒（Colin Butler）在接受采訪時對Cointelegraph表示，代幣化的RWA代表了全球300萬美元的市場機會。

Trump, who has promised to turn the US into the “world’s crypto capital,” plans to tap industry-friendly leaders to head key financial regulators, including the US Securities and Exchange Commission.

特朗普已承諾將美國變成“世界加密資本”，計劃將對行業友好的領導者帶到包括美國證券交易委員會在內的主要金融監管機構的負責人。

Several asset managers have applied to list XRP exchange-traded funds (ETFs) in the US, which JPMorgan expects could attract billions in investor inflows.

幾家資產經理已申請在美國列出XRP交易所交易基金（ETF），摩根大通預計，這可能會吸引數十億美元的投資者流入。

Some experts have suggested that the SEC case against Ripple, ongoing since 2022, could be paused or withdrawn entirely.

一些專家建議，自2022年以來一直持續的針對Ripple的SEC案件可以完全暫停或撤回。

On Feb. 25, the US regulator dropped its probe into Uniswap, a DEX, as part of a broader pivot on crypto policy under Trump.

2月25日，美國監管機構將其調查放到了DEX的Uniswap中，這是特朗普領導下的加密政策更廣泛的樞紐的一部分。