DITA xref use literal text

Hi, I want to create some DITA topics with <xref> elements in them. I want some of them to be empty so I can specify a cross-reference format to use. On some of them, I want to use literal text like this:

<xref href="xyz">Literal text</xref>

This would correspond to the Text field in the Cross-Reference dialog box:

How do I code this in my dita topic so that FrameMaker does this when I open the topic? Thank you.