Ripple Labs公布了其在XRP Ledger上建立机构分散融资（DEFI）生态系统的路线图

区块链开发人员正在优先考虑将XRP Ledger定位为“金融机构的安全，安全且可扩展的第1层”的应用程序

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.

根据2月25日的博客文章，Ripple Labs已公布其在XRP Ledger区块链网络上建立机构分散融资（DEFI）生态系统的路线图。

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.

开发人员说，区块链开发人员正在优先考虑将XRP Ledger定位为“对于希望在受管制环境中使用区块链的金融机构的1层的安全性和可扩展性的第1层的应用程序”。

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说，其中包括一个允许的分散交易所（DEX），一种基于信用的Defi贷款协议和新的代币标准，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.

它说，这些都将依靠XRP Ledger的“分散标识符”将合规性检查整合到应用程序的智能合约中。

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

XRP Ledger的路线图建立在现有的基础设施之上，包括价格甲壳机和自动化做市商（AMM）。

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

参见相关：特朗普可以敦促我们成为“世界的加密资本” - 报告

Lagging user growth

用户增长滞后

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日以来，XRP Ledger的本地代币XRP（XRP）的价格上涨了300％以上，当时加密货币友好的唐纳德·特朗普（Donald Trump）赢得了美国总统大选。

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

根据CoinMarketCap的数据，截至2月26日，XRP的市值约为1,280亿美元。

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分类帐的活动仍然落后于竞争对手链。根据Defillama的数据，它的总价值锁定（TVL）约为8000万美元，而以太坊的超过500亿美元。

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

与以太坊这样的区块链网络不同，XRP Ledger历史上没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等产品由Ripple的核心开发人员社区部署。

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

Ripple首席执行官布拉德·加林豪斯（Brad Garlinghouse）在一月份表示，自2024年推出以来，DEX已处理了10亿美元的加密货币掉期。

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

XRP Ledger于2012年推出，是最古老的区块链网络之一。

Reasons for optimism

乐观的原因

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

根据博客文章的报道，Ripple希望倾向于包括现实世界资产（RWAS）在内的机构Defi，将增长该网络的增长。

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

Polygon全球机构资本负责人科林·巴特勒（Colin Butler）在接受采访时对Cointelegraph表示，代币化的RWA代表了全球300万美元的市场机会。

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.

特朗普已承诺将美国变成“世界加密资本”，计划将对行业友好的领导者带到包括美国证券交易委员会在内的主要金融监管机构的负责人。

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

几家资产经理已申请在美国列出XRP交易所交易基金（ETF），摩根大通预计，这可能会吸引数十亿美元的投资者流入。

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

一些专家建议，自2022年以来一直持续的针对Ripple的SEC案件可以完全暂停或撤回。

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，美国监管机构将其调查放到了DEX的Uniswap中，这是特朗普领导下的加密政策更广泛的枢纽的一部分。