XRP news today: Xp.Finance Launches Non-Custodial Lending Protocol on XRPL in 2025

XRP has regained attention following a tumultuous spring sell-off, with its price stabilizing within the $2.10–$2.20 range. This stability has allowed traders to accumulate discounted coins while developers race to build new on-chain utilities. Among these developers, xp.Finance is emerging as a project to watch, particularly with its development of a non-custodial lending and borrowing protocol on the XRP Ledger (XRPL).

The team behind Xp.Finance has initiated the development of version 1 of their protocol, aiming for a public launch in mid-Q3 2025. This protocol is designed to be the first flagship non-custodial money market on the XRPL, offering a unique opportunity for XRP holders to engage in decentralized finance (DeFi) activities directly on the XRPL.

Decentralized finance has revolutionized traditional banking on platforms like Ethereum, but the XRPL has yet to see a native lending layer that can convert idle XRP into productive collateral. Xp.Finance aims to fill this gap with an over-collateralized borrowing engine that settles transactions in seconds, costs fractions of a cent, and keeps custody in the user’s hands. This efficiency is particularly attractive in an environment where capital efficiency is crucial and gas fees can significantly impact returns on other platforms.

Xp.Finance is positioning itself as a pioneer in the XRPL ecosystem, providing XRP holders with a reason to keep their assets on-chain rather than bridging them to other networks. The platform’s core component is the $XPF token, which serves multiple functions within the protocol. $XPF holders will have the ability to govern the platform by proposing and voting on risk parameters, collateral additions, and fee splits. They will also earn a pro-rata share of every interest payment and liquidation fee once the mainnet is live. Additionally, $XPF holders can stake their tokens to boost borrowing caps for assets they believe in, aligning the incentives between liquidity providers and borrowers.

The full tokenomics, allocation schedules, and launch mechanics for $XPF will be revealed in the coming days. Early adopters who follow Xp.Finance on social media or join their official Telegram community will be the first to know about genesis-phase incentives and airdrops.

The development of Xp.Finance is well underway, with the core smart-contract architecture currently in active development. The project aims to launch on the XRPL Devnet in Q3 2025, allowing community testers to open test loans, trigger liquidations, and simulate fee flows into a staging version of the XPF staking module. Historical examples, such as Compound on Ethereum, Aave on Polygon, and Jito on Solana, demonstrate that the first DeFi primitives on an emerging chain often capture sticky network effects. Xp.Finance is poised to fill this role on the XRPL, with a team of seasoned engineers, clear milestones, and a token model designed for long-term alignment.

As whales position themselves around the $2-range for XRP and broader market sentiment resets, infrastructure projects that add utility rather than chase hype are likely to benefit from the next upward trend. Xp.Finance, with its focus on unlocking dormant XRP through lightning-fast, non-custodial money markets, is well-positioned to capitalize on this opportunity.

Xp.Finance is headquartered in Vilnius and was founded in 2025 by a team of blockchain engineers and open-source security experts. The project’s mission is to unlock dormant XRP with efficient, non-custodial money markets that cost just fractions of a cent. Powered by the XPF governance token, Xp.Finance combines community-driven decision-making with on-chain fee-sharing, ensuring that protocol growth directly benefits its users.

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