Broker Review

Unauthorised Firm Details

Name: Xp.Finance
Website: Xp.Finance

Xp.Finance presents itself as a non-custodial, decentralized lending and borrowing protocol built on the XRP Ledger (XRPL). The project says it enables XRP holders to lend and borrow via over-collateralized loans, preserving custody of their assets, offers a governance token (XPF), and promotes speed, transparency, and low fees. According to the team, it is headquartered in Vilnius, Lithuania, and was founded in 2025.

However, several red flags appear in third-party reviews and trust-rating tools. A review source gives xp.finance a very low trust score, warning it may be unsafe, controversial, or high-risk; it notes the domain is new, ownership is hidden, and that the website is listed among cryptocurrency services (which often carry high inherent risk). Another evaluation gave it a score of about 16.4 out of 100, tagging it as “Controversial / High-Risk / Unsafe.” There are few verified user testimonials of successful usage, withdrawals or long-term reliability.

Bottom line: Xp.Finance has a mix of promising DeFi features and risky warning signs. It may be legitimate in part, but the risk is substantial. If you decide to use it, do so with caution, only with small amounts, and make sure you understand the risks and verify everything you can.

Location & Risk Notes

• The domain was registered recently, so it lacks a long track record.

• Ownership or operator details are largely hidden by WHOIS privacy, which reduces transparency.

• Reputation/trust-rating sites place it in a high-risk / controversial category, often pointing out that it may be unsafe or unverified.

• Its promotional materials include claims of high yield, governance via token, non-custodial and over-collateralized lending—all of which are potentially positive but need strong independent proof.

• No robust regulatory licensing or oversight was clearly identified in major jurisdictions in the data found.

• Practical advice: test with small amounts first, keep records of all transactions, attempt a small withdrawal early, and monitor community feedback.