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Ripple plans to use XRP as collateral in lending pools to support payments by 2027.

Protocol Fundamentals
05 Oct 2026
Coinpaper
View Source
Bullish
Ripple plans to use XRP as collateral in lending pools to support payments by 2027.

Ripple announced plans to activate credit-related pilots by 2027 that use XRP tokens as collateral in lending-protocol liquidity pools to finance customer payments. This approach differs from XRP's usual role as a fast bridge asset, as collateralized XRP would be locked for the loan duration, potentially increasing XRP's use in financial applications. Ripple is developing the XRPL Lending Protocol to support this, aiming to integrate payments, credit, and lending more closely. Institutional credit markets on the XRP Ledger are already emerging, signaling growing demand for XRP beyond simple transactions.

Ripple's move to expand XRP's role into credit markets could influence its trading dynamics. On Pluang, XRP trades at Rp27.122 with a 1.21% gain as of Oct 05, 2026 17:13 WIB. The token shows strong buying interest, with 80% of order activity on Pluang being buy orders and a typical hold time of 71 days, indicating sustained investor engagement beyond short-term speculation.

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