Ripple 通过借贷协议彻底改变 XRPL，促进 DeFi 增长

Ripple 提出了一种基于 XRP Ledger (XRPL) 的新借贷协议，旨在增强 DeFi 功能。该协议允许用户将资产代币化，并通过向流动性池做出贡献来赚取利息，从而促进点对点借贷。它拥有 XLS-64d、XLS-65d 和 XLS-66d 等关键规格，可实现简化的余额跟踪、统一资产池和贷款管理。最初对流动性池的承诺已超过 180 万个 XRP 代币，Ripple 首席技术官 David Schwartz 认可该协议为 XRPL 生态系统带来新效用的潜力。

Ripple Unveils Novel Lending Protocol for XRPL, Fostering DeFi Adoption

Ripple 推出新型 XRPL 借贷协议，促进 DeFi 的采用

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) 生态系统的重大发展中，Ripple 开发人员提出了一种突破性的借贷协议，旨在增强去中心化金融 (DeFi) 功能并为用户创造额外的盈利机会。

Introducing the XRPL-Native Lending Protocol

XRPL-原生借贷协议简介

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.

拟议的 XRPL 原生借贷协议将允许直接在 XRPL 网络上进行加密资产的点对点借贷。该协议旨在增强 XRPL 的 DeFi 功能，为用户提供更方便的 DeFi 活动。

Key Specifications and Features

主要规格和特性

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.

该协议包含多个基本规范，包括 XLS-64d、XLS-65d 和 XLS-66d。这些规范有助于简化余额跟踪、代币发行和流动性提供者资产的管理。

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

此外，该协议利用新颖的池账本条目来表示统一的代币化资产池，从而简化了交互并最大限度地减少了账本条目。

Community Excitement and Support

社区的兴奋和支持

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 原生借贷协议的推出引起了 XRP 持有者的极大兴奋。 4 月 11 日修订后，流动性池的初始承诺超过 820,000 个 XRP 代币。最近的数据显示，XRP 代币数量大幅激增，目前有超过 180 万枚 XRP 代币被锁定在流动性池中。

Endorsement from Ripple CTO

Ripple CTO 的认可

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 首席技术官兼 XRP Ledger 的关键架构师 David Schwartz 表达了对拟议借贷协议的支持。 Schwartz 强调，它的采用将为 XRPL 带来新的实用性。

Complementary Features for the XRPL Ecosystem

XRPL 生态系统的补充功能

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.

除了借贷协议之外，XRPL 最近还实施了自动做市商（AMM）功能，以增强流动性并减少 XRP 代币的总供应量。这一进步举措标志着 XRPL 生态系统内采用通货紧缩模型的重大进步。

Conclusion

结论

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 提出的借贷协议是对 XRPL 生态系统的变革性补充，使用户能够利用 DeFi 机会并从额外的收入潜力中受益。在 Ripple 社区和主要利益相关者的支持下，该协议有望将 XRPL 和 DeFi 的创新和采用提升到新的水平。