Ripple发布了2025年的战略发展计划，专注于增强的机构违规和贷款

该计划侧重于增强的机构分散融资（DEFI）和贷款，包括大量升级以增强法规合规性

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.

为了扩大其机构分散融资（DEFI）和贷款能力的重大举措，XRP Ledger（XRPL）背后的公司Ripple宣布了其2025年的战略发展计划。

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.

这些计划以XRPL现有功能为基础，包括对可编程性，法规合规性和资产令牌化的实质性升级。根据Ripple的说法，这些更新将使金融机构能够轻松满足合规性需求，加密公司发展贷款解决方案以及开发人员在创建区块链应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.

新的战略路线图在官方XRPL网站上宣布，还将看到允许的分散交易所（DEX）和许可的域名引入，这将使机构能够参与分散交易，同时仍在遵守KYC和AML（了解您的客户和反资金的Laundering）指南。

XRPL roadmap introduces lending and DeFi expansion

XRPL路线图引入了贷款和Fefi扩展

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.

为了进一步扩展其合规模型，XRPL将在其现有身份堆栈中添加称为凭据的新功能。此功能将补充已经建立的分散身份（DID）标准，并具有用户对其数字身份的某些标准的能力。

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

DID和证书的结合将为金融机构创建一个易于监管的生态系统。

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将引入多功能令牌（MPTS），这是一个新标准，旨在填补可及格和无牙的令牌（NFTS）之间的空白。

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.

机构将能够使用此新的代币标准来创建更适合对现实世界资产（RWAS）等股票和债券的模型。 MPT将能够捕获必需的元数据，例如到期日期，该日期比典型的可函数代币提供了更大的灵活性，但不如NFT复杂。

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.

贷款也将是XRPL扩展的关键领域之一。加密本地公司将能够将贷款与Ripple的现有付款，Stablecoins，现实世界中的资产和分散交易所相结合。为了减少流动性碎片化，新的贷款模型将利用波纹USD（RLUSD）保管库和自动化营销（AMM）进行更有效的交换。

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下一阶段的另一个重点是扩展其可编程性。这将通过添加扩展名来完成，该功能将使开发人员能够将进一步的代码附加到当前网络基础上。这将解锁新功能，例如增强的托管，改善的自动化做市商，甚至可能是XRPL以太坊虚拟机（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.

这些增强功能中的大多数已经在XRPL验证器中进行，并且应在短期内开始。通过这些更新以促进机构采用，合规性和高级DEFI解决方案，Ripple在2025年将XRPL定位为受监管金融服务的高级区块链网络。