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David Rich 
Xpfinance, a project aiming to reshape lending on the XRP Ledger, has officially launched its XPF token presale. The sale began on May 8, 2025, at 16:00 UTC, offering early supporters the chance to get in on what the team calls the first fully non-custodial lending and borrowing protocol built for XRPL.
Unlike many platforms that still require users to hand over their assets, Xpfinance is built entirely on-chain. Every transaction—whether it’s issuing a loan, repaying it, or triggering a liquidation—happens transparently and without middlemen. That means XRP holders can earn passive income or access loans while staying in control of their funds.
Addressing a Real Problem in the XRP Ecosystem
While XRP is known for its speed and low fees, most holders seeking yield still rely on centralized platforms. These platforms are often opaque about how returns are generated, and some have a history of freezing withdrawals or getting caught in regulatory crossfires.
Xpfinance’s model was built in response to that reality. By operating entirely on-chain, it gives users a way to interact with DeFi safely and directly—no more wondering where your money is or how it’s being used.
According to Damir Hadjic, the project’s Chief Investment Officer, keeping things decentralized was never optional. “This is the next logical step for XRPL,” he said. “Our community has been clear—they want real yield without giving up their private keys. That’s what we’re delivering.”
What the XPF Token Brings to the Table
The centerpiece of the platform is the XPF utility token, which is limited to a total supply of 200 million. The token isn’t just a reward—it’s designed to play a key role in how the protocol runs. Holding or staking XPF gives users access to reduced borrowing rates, a vote on governance decisions, and a share of the protocol’s revenue, paid out in XRP.
Thirty percent of the total supply—60 million tokens—is being offered during the presale. Buyers can get 200 XPF for every 1 XRP they contribute, and the token will be listed on Magnetic and XP Market shortly after the sale ends. The rest of the tokens are allocated to liquidity, long-term team incentives, and community rewards.
How to Join the Presale
Getting involved is fairly straightforward, though participants do need to use a self-custodial XRPL wallet. First, users will need to buy XRP from exchanges like Binance or Coinbase. From there, they can move their funds to a wallet like Xaman, set a simple trustline for XPF, and participate directly through the presale portal.
Once the sale wraps, tokens will be automatically airdropped to contributors.
Signs of Early Momentum
In just two days, more than 150 people joined the project’s Telegram group, and several XRP-focused research outlets have given the protocol strong early endorsements. Analysts point to Xpfinance’s unique position as the first mover in XRPL DeFi, offering real use cases right out of the gate.
Looking Ahead
As Ripple continues to push forward globally—with major donations and rumored acquisitions—many believe institutional players will soon come looking for on-chain yield opportunities. Xpfinance wants to be waiting for them.
A recent market research note put it plainly: centralized yield platforms aren’t cutting it anymore. Investors are looking for control, transparency, and a real return—and Xpfinance might just be the answer the XRPL community has been waiting for.
