Excitement is growing around XpFinance, a new DeFi project built on the XRP Ledger. Its token presale has already passed 35% of its target, with only a few days left. Investors are jumping in to grab XPF tokens at early prices. As DeFi on XRP starts to gain real momentum, XpFinance is stepping up with easy, on-chain lending and borrowing for everyday users.
XpFinance Presale Surges Past 35%
XpFinance, a DeFi platform built on the XRP Ledger, revealed that its token presale has already surpassed 35% of its 100,000 XRP softcap target. With just under a week left before the presale wraps up, investor interest remains strong, fueled by XRP holding steady near $2.30 and growing buzz across the market. Buyers are moving quickly to grab XPF tokens while they’re still available at the presale exchange rate of 1 XRP for 200 XPF.
Early Buyers Set for 30% Boost at Launch
After the presale wraps up, XPF will officially go live on major XRPL decentralized exchanges, including XPMarket and Sologenic. The token will debut at a public trading rate of 140 XPF per XRP—higher than the presale offer of 200 XPF per XRP. This built-in price difference gives early participants an automatic 30% profit the moment XPF hits the open market, offering a strong incentive for those who got in early.
What’s Fueling the Buzz Around XpFinance?
Despite XRP’s speed and scalability, DeFi on the XRP Ledger has often taken a backseat to more active ecosystems. XpFinance is changing that by introducing a decentralized, user-first platform for lending and borrowing.
The protocol is fully noncustodial—users stay in control of their XRP at all times, with no middlemen, no surprise charges, and no reliance on third parties. All actions—whether it’s supplying liquidity, taking out a loan, or staking XPF—are executed directly on-chain, quickly and affordably, thanks to XRPL’s high performance.
XPF Utility Driving Demand
XpFinance offers more than just market exposure—it gives holders real utility within the XpFinance ecosystem. By staking XPF, users earn ongoing XRP rewards sourced from protocol transaction fees, turning participation into passive income. Additionally, holding XPF lowers borrowing rates, giving users access to cheaper loans and enhancing the value of their holdings.
Beyond earnings and savings, XPF holders also gain governance power. They can vote on critical decisions such as new asset listings, protocol changes, and risk adjustments. This combination of financial incentives and community control has resonated with both XRP whales and retail investors, pushing the presale past 35% in just a few days.
XpFinance Demo Drops Next Week
Building on its growing traction, XpFinance is set to unveil a working demo of its platform in the coming week. The preview will feature a user-friendly dashboard where users can explore live deposit tools, monitor interest in real time, and test the borrowing process from start to finish. This early look will offer a clear, practical view of how XpFinance is reimagining lending and borrowing on the XRP Ledger.
How to Participate in the XPF Presale?
With less than a week remaining, now’s the time to act. Here’s how to secure your spot in the XPF token presale: First, purchase XRP from trusted platforms like Binance, Coinbase, or Bybit. Then, transfer your XRP to a self-custody wallet compatible with the XRP Ledger—such as Xaman, XUMM, or Ledger.
Next, head to xp.finance/presale, copy the official deposit address, and send your XRP contribution. Finally, be sure to set up the XPF trustline in your wallet so you’ll automatically receive your tokens once the sale wraps up.
Final Thoughts
XpFinance is quickly making its mark as one of the most promising DeFi projects on the XRP Ledger. With a strong start to its presale, clear utility for token holders, and an upcoming demo showcasing real functionality, the platform is drawing serious attention from both seasoned investors and newcomers. As the presale nears its end and XPF prepares for launch, all signs point to growing momentum and a bright future for decentralized finance on XRPL.
