About Xcollat
Xcollat is a decentralized crypto-backed lending platform that allows XRP holders to unlock liquidity without selling their assets. We provide fast, transparent, and secure access to stablecoins using XRP as collateral.
What Xcollat Does
Many crypto holders are forced to sell their assets when they need cash. Xcollat solves this by enabling users to borrow stablecoins while keeping full ownership of their XRP.
Users lock XRP as collateral and instantly receive USDT or USDC. Once the loan is repaid, the collateral is fully unlocked. No hidden fees, no compounding interest, and no surprise liquidations.
How Xcollat Works
Lock XRP as Collateral
Deposit your XRP into a secure smart contract. Your assets are never sold or reused.
Receive Stablecoins
Get USDT or USDC sent directly to your wallet within minutes.
Repay & Unlock
Repay the fixed interest amount and unlock your XRP instantly.
Why Xcollat Is Different
- • Fixed interest no APR or compounding
- • Non-custodial collateral structure
- • Transparent liquidation thresholds
- • Designed specifically for XRP holders
- • Built for global, borderless access
Security First
Xcollat is built using audited smart-contract standards and battle-tested blockchain infrastructure. User funds remain verifiable and transparent at all times.
Built for the Future
Our long-term vision is to become the leading XRP-backed liquidity layer for decentralized finance, payments, and real-world utility.
Our Mission
We believe crypto holders should never be forced to sell long-term assets to access liquidity. Xcollat exists to empower users with financial freedom, transparency, and control without compromise.