Today’s XRP news highlights how Xp.Finance is pursuing its decentralized finance (DeFi) goals on the XRP Ledger, as it prepares to introduce a non-custodial lending and borrowing protocol named XRPFI.

XRP has regained attention in the news following a turbulent spring dip, with its price currently fluctuating in the tight range of $2.10 to $2.20. This situation is testing the patience of traders, while large investors discreetly acquire coins at lower prices. Developers are actively competing to create the next innovative product that will enhance on-chain functionalities, with Xp.Finance emerging as a notable contender. The team is currently focusing on version 1 of a non-custodial lending and borrowing protocol, aiming for a public launch in the middle of Q3 2025, as outlined in their project roadmap. If you’re looking for the inaugural non-custodial money market on the XRP Ledger (XRPL), you should pay attention to the upcoming developments. UNDERSTANDING THE IMPORTANCE OF XP.FINANCE AT THIS MOMENT. Decentralized finance has transformed conventional banking systems on Ethereum and other networks; however, the XRPL currently lacks a built-in lending feature that can utilize inactive XRP as effective collateral. Xp.Finance aims to address this gap with a borrowing engine that requires over-collateralization, settles transactions within seconds, incurs minimal costs, and keeps custody in the user’s control. In an environment where capital efficiency is crucial and high transaction fees diminish profits elsewhere, the XRPL’s fast processing and low costs make it an ideal setting for a new lending protocol. Xp.Finance is proactively positioning itself in the market, encouraging XRP holders to maintain their assets on-chain instead of transferring them elsewhere. Central to the platform is the $XPF token. It’s more than just a token; it’s essential to the XpFinance protocol. Those who hold $XPF will:. Manage: Suggest and vote on risk criteria, additional collateral, and distribution of fees. Receive: Obtain a proportional share of each interest payment and liquidation fee after the mainnet launch. Indicate: Stake XPF to increase borrowing limits for preferred assets, creating alignment between liquidity providers and borrowers. Detailed tokenomics, allocation timelines, and launch strategies will be disclosed in the coming days. Those who are early adopters and follow @XpFinance on X, or join the official Telegram group, will be among the first to receive updates and have the opportunity to take advantage of incentives and airdrops during the genesis phase. This includes information about the roadmap and the rollout of the MVP. The core smart-contract framework is currently in active development, aiming for a launch on the XRPL Devnet by Q3 2025. Community testers will have the ability to initiate test loans, trigger liquidations, and simulate fee flows within a staging version of the XPF staking module. Historically, the first decentralized finance (DeFi) projects on a new blockchain have successfully established significant network effects, as seen with Compound on Ethereum, Aave on Polygon, and Jito on Solana. On XRPL, this opportunity is still available, and Xp.Finance is quickly advancing with experienced engineers, defined objectives, and a token model designed for long-term sustainability. As major investors position themselves around the $2 mark for XRP and the overall market sentiment stabilizes, infrastructure initiatives that enhance utility rather than seek short-term excitement are likely to benefit in the subsequent market phase. About Xp.Finance. Xp.Finance is leading the way as the first integrated lending and borrowing protocol built on the XRP Ledger.