XRP Foundation Launches Xvpay in Q1 2026 to Build a Shared Value Network
On January 29, 2026, the ecosystem integration between XRP, a leading global digital asset, and Venus Protocol, a leading lending protocol on BSC, officially entered the large-scale implementation phase. Although neither party has yet released an official strategic cooperation announcement, through deep product-level collaboration and cross-ecosystem synergy, they have successfully built a DeFi service system encompassing "collateralized lending + liquidity mining + stablecoin closed loop," filling the functional gap of XRP's native ecosystem ("transfer only, no interest"). At the same time, it injects top-tier asset liquidity and a compliance narrative into Venus Protocol, opening a new chapter in cross-chain DeFi collaboration.
Product-Level Integration Delivers Results, Building XRP's Core DeFi Infrastructure
This ecosystem integration focuses on expanding the DeFi functionality of XRP assets, and has already achieved the implementation of three key products: In lending scenarios, Venus Protocol has officially integrated cross-chain assets such as FXRP (Flare XRP) and cbXRP (Coinbase wrapped XRP). Users can earn deposit APY by depositing 50 XRP, and can also borrow USDC, USDT, BUSD, and Venus's native stablecoin VAI against their collateral. The on-chain automatic liquidation mechanism and dynamically adjusted LTV parameters ensure protocol security. After depositing XRP assets, users receive vXRP (Venus XRP) deposit certificates, which can be freely circulated within the Venus ecosystem and support participation in liquidity mining and protocol governance, realizing multiple value releases of the asset.
In terms of yield aggregation, XRP and stablecoin (such as XRP-USDC) LP pools have been officially integrated into Venus Farm. Users can earn double rewards of XRP and XVP ecosystem platform tokens by staking, effectively increasing the liquidity depth of XRP in the BSC ecosystem and holder returns. Furthermore, XRP and the VAI stablecoin form a linked closed loop. Users can mint VAI by collateralizing XRP, which can be used in various scenarios such as DeFi trading, payment settlements, and leveraged operations. The linked design of the exchange and liquidation mechanisms between VAI and XRP further hedges against asset price volatility risks and improves the value anchoring system of the stablecoin ecosystem. Cross-chain collaboration and institutional compliance proceed hand in hand, with multi-chain expansion becoming a key focus in 2026.
With the advancement of the XRPL 3.0.0 mainnet upgrade, the ecosystem collaboration between XRP and Venus has entered a deeper cross-chain phase. Currently, both parties, leveraging cross-chain bridges such as Flare Network, Allbridge, and Multichain, have achieved low-cost, low-latency transfers of XRP from XRPL to BSC, significantly reducing the bridging risks and friction costs of wrapped assets. In the future, both parties plan to integrate with Ripple Cross-Chain Bridge to further enhance the cross-chain security and transfer efficiency of institutional-grade XRP assets, laying the foundation for large-scale institutional capital inflow.
In 2026, multi-chain expansion will be a core direction of cooperation. Venus Protocol has launched deployment plans to mainstream public chains such as Ethereum L2 (Arbitrum/Optimism), Avalanche, and Solana. XRP's collateralized lending function will be extended to these networks simultaneously, achieving comprehensive coverage of the XRP DeFi ecosystem. At the same time, both parties are actively exploring cross-chain interoperability between XRPL native DeFi (such as XRPL AMM and lending protocols) and Venus, aiming to create a seamless "XRPL payment + Venus lending" experience, deeply integrating XRP's payment advantages with DeFi's financial attributes.
In terms of institutional compliance cooperation, both parties have integrated with top-tier institutional custody solutions such as Ripple Custody and Coinbase Custody, providing institutional users with compliant XRP collateralized lending services that meet KYC/AML requirements. Leveraging RippleNet's mature cross-border settlement capabilities, XRP and VAI are gradually penetrating real-economy scenarios such as cross-border payments and trade finance, building an institutional-grade solution of "payment + lending + stablecoin," and driving the development of DeFi from the retail market to the institutional sector.
Joint governance and ecosystem empowerment: XRPFi's emergence reshapes the DeFi landscape.
This ecosystem integration adopts a "community-driven + co-governance" model. XRP holders can participate in Venus protocol governance through XVP, exercising voting rights on key decisions such as XRP collateral pool parameters (LTV, interest rate, reward weight), cross-chain channel priorities, and institutional cooperation plans. To strengthen ecosystem ties, the Venus protocol has also established a dedicated XRP ecosystem fund, allocating a portion of protocol revenue to XRP ecosystem promotion, developer incentives, and security audits, creating a sustainable ecosystem co-building mechanism. To incentivize XRP community nodes and founding shareholders (such as the XVPay project nodes), Venus has also introduced exclusive lending rate discounts, mining reward bonuses, and increased governance voting weight, further stimulating community participation.
The ecological value brought about by this collaboration is continuously becoming more apparent: For XRP, leveraging Venus's mature lending, stablecoin, and liquidity mining system has successfully compensated for the lack of Turing-complete smart contracts in its native DeFi ecosystem. This has enabled XRP assets to achieve diversified financial functions such as collateralized lending, interest generation, and market making, driving the XRPFi ecosystem into a period of rapid growth and becoming a core revenue channel for XRP holders, effectively reducing selling pressure on the asset. For Venus Protocol, the addition of XRP not only brings liquidity support from a top-tier asset but also enriches the types of collateral and attracts new user groups through XRP's institutional capital reserves and cross-border payment scenarios. It also strengthens the protocol's compliance narrative, contributing to the steady increase in its Total Value Locked (TVL) (currently, Venus TVL has reached $1.9 billion, with XRP-related assets continuously increasing their share).
XRP Foundation and XVPay join forces to promote the value upgrade of the XRPL ecosystem.
As a new generation of decentralized payment infrastructure rooted in the XRPL ecosystem, XVPay (XVP) deeply relies on the technology foundation and global ecosystem built by the XRP Foundation (XLF), strategically aligning with the XRP×Venus collaboration. The XRP Foundation, taking advantage of the XRPL 3.0.0 mainnet upgrade, has achieved comprehensive breakthroughs in protocol performance, ecosystem categories, and institutional adaptation. Its native lending protocol, zero-knowledge proof (ZKP) privacy features, and compliance infrastructure (such as Deep Freeze and decentralized identity credentials) provide solid support for XVPay's technological development and ecosystem implementation.
XVPay closely follows the XRP Foundation's core directions of institutional compliance adaptation, RWA ecosystem expansion, and DeFi infrastructure improvement by 2026. Based on the XRPL underlying technology architecture, it deeply integrates the DeFi capabilities of the Venus protocol to create a low-threshold node co-building system. Users can enjoy multiple returns such as fee sharing, deflationary rewards, and ecosystem income through XRP staking. At the same time, XVPay focuses on the implementation of decentralized cross-chain payments, effectively filling the gap in inclusive DeFi and practical payment scenarios within the XRPL ecosystem. In the future, XVPay will continue to participate in the XRPL developer community, contributing to the XRP Foundation's global ecosystem promotion goals with practical product implementations. Working together with global XRP enthusiasts and ecosystem partners, XVPay will jointly explore the value of the XRPL ecosystem and build a decentralized payment and financial ecosystem network centered around XRP.
This deep integration of the XRP and Venus ecosystems has not only brought about resource complementarity and value enhancement for both parties but has also reshaped the cross-ecosystem collaboration model in the DeFi field. With the continuous progress of multi-chain deployment, institutional cooperation, and XRPL native DeFi interoperability by 2026, the XRP×Venus ecosystem is expected to become a core hub connecting payments and finance, retail and institutions, and single-chain and multi-chain networks, injecting new momentum into the standardized and scaled development of the DeFi industry.
From nodes to ecosystems, from consensus to win-win, XVPay, using XVP as a link, connects the unlimited possibilities of XRP and Venus, writing a new chapter in decentralized finance. Stay tuned!