Первые в истории займы в стейблкоинах, обеспеченные XRP, запущены на Flare через Enosys

cryptonews.ruPublished on 2025-11-19Last updated on 2025-11-19

Liquity от Enosys позволит держателям XRP выпускать сверхобеспеченные стейблкоины на Flare, используя механизмы, которые будут гарантировать поддержание стоимости активов на уровне, близком к 1 доллару США.

Компания Enosys, занимающаяся разработкой программного обеспечения Web3, представила новый тип займов в стейблкоинах для сети взаимодействия уровня 1 Flare. Эти займы обеспечены собственной криптовалютой Ripple — XRP.

В основе кредитования будет лежать протокол CDP (Collulated Debt Position). Он позволит держателям XRP выпускать стейблкоины с избыточным обеспечением на Flare.

Первые стейблкоин-кредиты, обеспеченные XRP, на Flare

Enosys пояснил, что активы XRP будут поддерживать стейблкоины, гарантируя их стоимость, близкую к 1 доллару. Благодаря такому подходу держатели XRP могут получать доступ к стоимости своих активов, не продавая их.

Протокол CDP, который будет развёрнут на Flare, называется Liquity. Enosys утверждает, что Liquity — один из самых надёжных и проверенных протоколов в секторе децентрализованных финансов (DeFi). С момента запуска в 2021 году сеть обеспечила миллиарды долларов залога и сохранила привязку к стейблкоину в экстремальных рыночных условиях.

Одним из механизмов, лежащих в основе успеха Liquity, является пул стабильности протокола. Пул позволяет пользователям размещать свои стейблкоины в стейкинге для получения дохода от комиссий за чеканку, вознаграждений за ликвидацию и процентов по займам. Этот механизм гарантирует, что протокол сможет покрыть непогашенную задолженность в случае ликвидации.

Enosys выпустит форк Liquity V2 на платформе Flare, сохранив функции, благодаря которым первая версия стала надёжной. Изменения коснутся лишь таких улучшений, как ликвидность, стимулируемая протоколом, эффективность капитала и устанавливаемые пользователем ставки по займам.

Доступ к возможностям доходности DeFi

Альянс Enosys и Flare пока затронет лишь некоторые токены Flare. Среди них — Flare XRP (FXRP) и Wrapped Flare (wFLR). Компании планируют в скором времени расширить возможности стейкинга XRP (stXRP), что позволит держателям XRP использовать свои активы.

Пользователи могут заблокировать свои FXRP на Flare и выпустить стейблкоин, который обеспечит ликвидность и доступ к возможностям доходности DeFi. Хотя заёмщики могут устанавливать годовую процентную ставку (APR), которую они готовы платить, более низкие ставки имеют свою цену. Если курс стейблкоина упадёт ниже уровня в 1 доллар, займы с самыми низкими процентными ставками будут выкуплены в первую очередь.

«Это только начало. Внедряя такую ​​проверенную модель, как Liquity V2, во Flare, мы закладываем основу для стабильной децентрализованной ликвидности на базе XRP и улучшенной ликвидным стейкингом», — заявила команда Enosys.

Тем временем Enosys Loans также будет использовать данные Flare Time Series Oracle (FTSO) для внедрения децентрализованного ценообразования обеспечения.

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