Ripple 宣布推出改变游戏规则的 XRP Ledger 借贷协议，增强 DeFi 能力

Ripple 开发者 Aanchal Malhotra 和 Vito Tumas 提出了关于 XRP Ledger (XRPL) 原生借贷协议的突破性提案。该协议旨在通过允许用户在没有中介的情况下点对点借贷数字资产来扩展网络的去中心化金融（DeFi）能力。

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

Ripple 推出革命性的 XRP Ledger 借贷协议，扩展 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 开发者 Aanchal Malhotra 和 Vito Tumas 提出了突破性的原生借贷协议，此举有望彻底改变 XRP Ledger (XRPL) 上的去中心化金融 (DeFi)。这一变革性的发展如果获得批准，将显着扩展网络的 DeFi 功能，并增强 Ripple 原生加密货币 XRP 的实用性。

Unleashing the Potential of Peer-to-Peer Lending

释放点对点借贷的潜力

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.

根据 Ripple 的开发部门 RippleX 在 X 平台（以前称为 Twitter）上发布的公告，拟议的借贷协议将使用户能够参与数字资产的点对点（p2p）借贷，从而消除了对数字资产的依赖。对于“不必要的中介”。该协议的模块化设计强调灵活性和可重用性，旨在在 XRPL 上培育一个强大的借贷生态系统。

Introducing Groundbreaking Ledger Specifications

引入突破性的账本规范

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.

模块化设计将引入三个关键的账本规范。 XLS-64d 规范允许单个伪账户链接到多个分类账条目，从而促进高效的余额跟踪和代币发行。 XLS-65d 规范为单个代币化资产池引入了新的“池”分类账条目。本条目将作为贷款池创建和管理的基础。

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.

第三个规范 XLS-66d 建立在 XLS-65d 的基础上，可有效管理流动性提供者 (LP) 的资产。它引入了链下承销、链上协议和强大的贷款管理功能，使该协议能够处理点对点借贷的复杂性。

The Mechanics of the Lending Protocol

借贷协议的机制

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.

拟议的贷款协议设想有限合伙人将其加密资产存入指定的贷款池以产生利息。这些贷款池将由“池代表”管理，其主要职责包括吸引贷款人的资本并促进向借款人提供贷款。池代表还将与链下借款人协商贷款条款，商定的条款随后记录在链上。

Fixed-Term Loans and Collateral-Free Borrowing

定期贷款和无抵押借款

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.

贷款协议将侧重于定期贷款，贷款条款（包括利率）由池代表和借款人预先确定。值得注意的是，由于 XLS-66d 引入了链下承销和风险管理功能，因此消除了对抵押品的需求。

Protecting Lenders from Defaults

保护贷款人免受违约影响

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.

为了保护贷款人免受潜在贷款违约的影响，将实施首次损失保护计划。资金池代表可以自愿提供首次损失资本来弥补任何违约，确保贷款人在贷款资金分配中得到优先考虑。

A New Paradigm for Loan Management

贷款管理的新范式

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.

贷款交易将通过新的“贷款”分类账对象进行管理。该对象将处理贷款融资和提款的所有方面，包括付款金额和时间表以及利息和本金付款。如果发生贷款违约，贷款分类账对象将启动贷款恢复流程。

Bullish Outlook for the XRP Ecosystem

XRP 生态系统的乐观前景

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).

人们普遍预计拟议的借贷协议将对 XRP 生态系统产生积极影响。这一进展为 Ripple 最近出现的一系列看涨进展增添了色彩，包括提议在 XRPL 上推出稳定币以及部署自动做市商 (AMM)。

XRP Price Performance

XRP 价格表现

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.

据 CoinMarketCap 报道，截至撰写本文时，XRP 的交易价格约为 0.49 美元，反映出过去 24 小时内小幅上涨超过 1%。尽管最近整体加密货币市场低迷，但借贷协议的推出为 XRP 的价格带来了长期乐观。

Conclusion

结论

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 上拟议的借贷协议代表着去中心化金融发展的重要一步。通过支持点对点借贷、扩展 DeFi 功能并引入创新的账本规范，该协议有潜力将 XRPL 转变为强大的金融创新中心。这一发展与 Ripple 的持续承诺相一致，即利用区块链技术的力量建立一个更容易访问和更具包容性的金融生态系统。