Ripple發布了2025年的戰略發展計劃，專注於增強的機構違規和貸款

該計劃側重於增強的機構分散融資（DEFI）和貸款，包括大量升級以增強法規合規性

In a significant move towards expanding its institutional decentralized finance (DeFi) and lending capabilities, Ripple, the company behind the XRP Ledger (XRPL), has unveiled its 2025 strategic development plans.

為了擴大其機構分散融資（DEFI）和貸款能力的重大舉措，XRP Ledger（XRPL）背後的公司Ripple宣布了其2025年的戰略發展計劃。

These plans, which build upon the existing capabilities of XRPL, include substantial upgrades to programmability, regulatory compliance, and asset tokenization. These updates, according to Ripple, will allow financial institutions to easily satisfy compliance needs, crypto companies to grow lending solutions, and developers to have greater freedom in creating blockchain applications.

這些計劃以XRPL現有功能為基礎，包括對可編程性，法規合規性和資產令牌化的實質性升級。根據Ripple的說法，這些更新將使金融機構能夠輕鬆滿足合規性需求，加密公司發展貸款解決方案以及開發人員在創建區塊鏈應用程序方面具有更大的自由度。

Announced on the official XRPL website, the new strategic roadmap will also see the introduction of a Permissioned decentralized exchange (DEX) and Permissioned Domains, which will allow institutions to participate in decentralized trading while still adhering to KYC and AML (Know Your Customer and Anti-Money Laundering) guidelines.

新的戰略路線圖在官方XRPL網站上宣布，還將看到允許的分散交易所（DEX）和許可的域名引入，這將使機構能夠參與分散交易，同時仍在遵守KYC和AML（了解您的客戶和反資金的Laundering）指南。

XRPL roadmap introduces lending and DeFi expansion

XRPL路線圖引入了貸款和Fefi擴展

To further expand its compliance model, XRPL will add a new capability called Credentials to its existing identity stack. This feature will complement the already established decentralized identity (DID) standard with the ability of users to assert certain criteria against their digital identity.

為了進一步擴展其合規模型，XRPL將在其現有身份堆棧中添加稱為憑據的新功能。此功能將補充已經建立的分散身份（DID）標準，並具有用戶對其數字身份的某些標準的能力。

The combination of DID and Credentials will create an easily regulated ecosystem for financial institutions.

DID和證書的結合將為金融機構創建一個易於監管的生態系統。

Moreover, XRPL will introduce Multi-Purpose Tokens (MPTs), a new standard that aims to fill the gap between fungible and non-fungible tokens (NFTs).

此外，XRPL將引入多功能令牌（MPTS），這是一個新標準，旨在填補可及格和無牙的令牌（NFTS）之間的空白。

Institutions will be able to use this new token standard to create more adaptable models for tokenizing real-world assets (RWAs) like stocks and bonds. MPTs will be able to capture essential metadata, such as expiration dates, which provides greater flexibility than a typical fungible token but is less complex than an NFT.

機構將能夠使用此新的代幣標準來創建更適合對現實世界資產（RWAS）等股票和債券的模型。 MPT將能夠捕獲必需的元數據，例如到期日期，該日期比典型的可函數代幣提供了更大的靈活性，但不如NFT複雜。

Lending will also be one of the key areas of the XRPL expansion. Crypto-native companies will be able to combine lending with Ripple’s existing payments, stablecoins, real-world assets, and decentralized exchanges. To reduce liquidity fragmentation, the new model of lending will leverage a Ripple USD (RLUSD) vault and automated market-making (AMM) for more efficient swapping.

貸款也將是XRPL擴展的關鍵領域之一。加密本地公司將能夠將貸款與Ripple的現有付款，Stablecoins，現實世界中的資產和分散交易所相結合。為了減少流動性碎片化，新的貸款模型將利用波紋USD（RLUSD）保管庫和自動化營銷（AMM）進行更有效的交換。

Another key focus for the next stage of XRPL is expanding its programmability. This will be done with the addition of Extensions, a function that will allow developers to append further code onto current network primitives. This will unlock new features such as enhanced escrows, improved automated market makers, and potentially even an XRPL Ethereum Virtual Machine (EVM) sidechain.

XRPL下一階段的另一個重點是擴展其可編程性。這將通過添加擴展名來完成，該功能將使開發人員能夠將進一步的代碼附加到當前網絡基礎上。這將解鎖新功能，例如增強的託管，改善的自動化做市商，甚至可能是XRPL以太坊虛擬機（EVM）Sidechain。

Most of these enhancements are already in the works for XRPL validators, and rollouts should begin shortly. Through these updates to facilitate institutional adoption, compliance, and advanced DeFi solutions, Ripple is positioning XRPL as a highly ranked blockchain network for regulated financial services in 2025.

這些增強功能中的大多數已經在XRPL驗證器中進行，並且應在短期內開始。通過這些更新以促進機構採用，合規性和高級DEFI解決方案，Ripple在2025年將XRPL定位為受監管金融服務的高級區塊鍊網絡。