The team behind the first fully non-custodial lending and borrowing protocol on XRPL confirmed that its limited-price XPF presale went live on May 8, 2025, at 16:00 UTC.

Why Xpfinance matters now

Despite XRPL’s three-second settlement times and near-zero fees, most yield-hungry XRP holders still park their coins on centralized “earn” platforms with no transparency on how the yield is being generated, an approach that has historically led to frozen withdrawals, opaque reserves, and regulatory blow-ups.

Xpfinance eliminates those risks by executing every loan, repayment, and liquidation on-chain, letting users earn interest or borrow against their XRP without ever giving up custody.

“Decentralization is non-negotiable for the next phase of XRPL growth,” said Damir Hadjic, CIO at Xpfinance.

“Our protocol unlocks passive income while letting holders keep their private keys, exactly what the community has been asking for.”

XPF token features

At the heart of the ecosystem is XPF, a fixed-supply utility token capped at 200 million.

Holding or staking XPF unlocks lower borrowing rates, voting rights on governance proposals, and a share of protocol fees distributed directly in XRP.

30 percent of the supply is reserved for the presale and the remainder is tightly allocated to liquidity, community incentives, and a long-vested team pool.

XPF token scarcity is baked in from day one.

XPF presale details:

  • Launch date: 8 May 2025, 16:00 UTC

  • Presale allocation: 60 million XPF (30 % of total supply)

  • Presale pricing: Fixed, with 1 XRP getting presale participants 200 XPF tokens

  • Exchange listing: Immediate debut on Magnetic and XP Market after the sale concludes

In the 48 hours since Xpfinance opened its community channels, more than 150 members have flooded into the project’s Telegram, and analysts from three leading XRP research groups have issued “high-conviction” outlooks, citing the platform’s first-mover advantage and tangible utility.

How to join the XPF presale

Prospective buyers can acquire XRP on leading exchanges such as Coinbase, Binance, or Bybit, transfer funds to a self-custody XRPL wallet like Xaman, and contribute directly via the presale portal once it opens. 

Participants must also set a simple trustline to receive their XPF, which will be airdropped automatically when the sale ends.

A catalyst for XRPL DeFi

With Ripple’s global expansion accelerating, highlighted by its $25 million RLUSD pledge to U.S. teachers and a reported bid to acquire USDC issuer Circle, market analysts believe institutional capital will soon seek on-chain yield opportunities.

Xpfinance is positioning itself as the default money market to capture that inflow.

“Centralized yield platforms no longer meet the security standards of today’s investors,” said a research note from Luna Insights.

“Xpfinance brings a battle-tested DeFi model to XRPL, and the market is responding.”

About Xpfinance

Xpfinance is building the first non-custodial, over-collateralized lending and borrowing protocol on the XRP Ledger.

Powered by the XPF utility token, the platform lets users earn passive XRP income, access low-cost loans, and steer protocol governance, all without giving up control of their assets.