Xp.Finance is a fully decentralized, non-custodial lending and borrowing protocol built natively on the XRP Ledger (XRPL). It enables XRP holders to earn yield through over-collateralized loans while maintaining full custody of their assets. Leveraging XRPL’s fast settlement speeds and low transaction fees, Xp.Finance offers a transparent and secure platform for decentralized finance (DeFi) activities. The protocol is governed by the $XPF token, which provides holders with governance rights, reduced borrowing costs, and staking rewards.
