TF and neoplasm: These formulations have a “programmed packaging”; their surface is functionalized with a targeting moiety (transferrin or antibody), a PEG-lipid conjugate for long blood circulation; and a PEG-lipid bond that is cleaved in the tumor environment by matrix metalloproteinases leading to exposure of a CPP (octaarginine, tetraarginine) for tumor-selective endocytosis.