Ripple 透過借貸協議徹底改變 XRPL，促進 DeFi 成長

Ripple 提出了一種基於 XRP Ledger (XRPL) 的新借貸協議，旨在增強 DeFi 功能。該協議允許用戶將資產代幣化，並透過向流動性池做出貢獻來賺取利息，從而促進點對點借貸。它擁有 XLS-64d、XLS-65d 和 XLS-66d 等關鍵規格，可實現簡化的餘額追蹤、統一資產池和貸款管理。最初對流動性池的承諾已超過 180 萬個 XRP 代幣，Ripple 首席技術長 David Schwartz 認可該協議為 XRPL 生態系統帶來新效用的潛力。

Ripple Unveils Novel Lending Protocol for XRPL, Fostering DeFi Adoption

Ripple 推出新型 XRPL 借貸協議，促進 DeFi 的採用

In a significant development for the XRP Ledger (XRPL) ecosystem, Ripple developers have proposed a groundbreaking lending protocol designed to enhance decentralized finance (DeFi) functionalities and create additional earning opportunities for users.

在 XRP Ledger (XRPL) 生態系統的重大發展中，Ripple 開發人員提出了一種突破性的借貸協議，旨在增強去中心化金融 (DeFi) 功能並為用戶創造額外的盈利機會。

Introducing the XRPL-Native Lending Protocol

XRPL-原生借貸協議簡介

The proposed XRPL-native lending protocol will enable peer-to-peer borrowing and lending of crypto assets directly on the XRPL network. This protocol is poised to bolster XRPL's DeFi capabilities, offering users greater accessibility to DeFi activities.

擬議的 XRPL 原生借貸協議將允許直接在 XRPL 網路上進行加密資產的點對點借貸。該協議旨在增強 XRPL 的 DeFi 功能，為用戶提供更方便的 DeFi 活動。

Key Specifications and Features

主要規格和特性

The protocol incorporates several essential specifications, including XLS-64d, XLS-65d, and XLS-66d. These specifications facilitate streamlined balance tracking, token issuance, and the management of liquidity provider assets.

該協定包含多個基本規範，包括 XLS-64d、XLS-65d 和 XLS-66d。這些規範有助於簡化餘額追蹤、代幣發行和流動性提供者資產的管理。

Furthermore, the protocol utilizes a novel Pool ledger entry to represent a unified tokenized asset pool, simplifying interactions and minimizing ledger entries.

此外，該協議利用新穎的池帳本條目來表示統一的代幣化資產池，從而簡化了互動並最大限度地減少了帳本條目。

Community Excitement and Support

社區的興奮與支持

The unveiling of the XRPL-native lending protocol has sparked considerable excitement among XRP holders. Following an amendment on April 11, initial commitments to liquidity pools surpassed 820,000 XRP tokens. Recent data indicates a significant surge, with over 1.8 million XRP tokens currently locked in liquidity pools.

XRPL 原生借貸協議的推出引起了 XRP 持有者的極大興奮。 4 月 11 日修訂後，流動性池的初步承諾超過 820,000 個 XRP 代幣。最近的數據顯示，XRP 代幣數量大幅激增，目前有超過 180 萬枚 XRP 代幣被鎖定在流動性池中。

Endorsement from Ripple CTO

Ripple CTO 的認可

David Schwartz, Ripple's Chief Technology Officer and a key architect of the XRP Ledger, has expressed his support for the proposed lending protocol. Schwartz emphasizes that its adoption would introduce new utility to the XRPL.

Ripple 首席技術長兼 XRP Ledger 的關鍵架構師 David Schwartz 表達了對擬議借貸協議的支持。 Schwartz 強調，它的採用將為 XRPL 帶來新的實用性。

Complementary Features for the XRPL Ecosystem

XRPL 生態系的補充功能

Alongside the lending protocol, the XRPL has recently implemented an Automated Market Maker (AMM) feature to enhance liquidity and reduce the total supply of XRP tokens. This progressive move signifies a significant advancement towards adopting a deflationary model within the XRPL ecosystem.

除了借貸協議之外，XRPL 最近還實施了自動做市商（AMM）功能，以增強流動性並減少 XRP 代幣的總供應。這項進步舉措標誌著 XRPL 生態系統內採用通貨緊縮模型的重大進展。

Conclusion

結論

Ripple's proposed lending protocol is a transformative addition to the XRPL ecosystem, empowering users to leverage DeFi opportunities and benefit from additional earning potential. With the support of the Ripple community and key stakeholders, this protocol is poised to unlock new levels of innovation and adoption for XRPL and DeFi.

Ripple 提出的借貸協議是 XRPL 生態系統的變革性補充，使用戶能夠利用 DeFi 機會並從額外的收入潛力中受益。在 Ripple 社群和主要利益相關者的支持下，該協議預計將 XRPL 和 DeFi 的創新和採用提升到新的水平。