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XRP Ledger nears approval for uncollateralized lending system with pooled assets and broker risk management.

Protocol Fundamentals
12 Nov 2026, 11:46 WIB
Crypto news
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Neutral
XRP Ledger nears approval for uncollateralized lending system with pooled assets and broker risk management.

The XRP Ledger is close to activating a new lending system that allows fixed-term, uncollateralized loans using pooled assets in vaults. Loan brokers assess borrower creditworthiness outside the blockchain, while the ledger records loan terms and repayments. Depositors share in vault assets but face risks from borrower defaults, with first-loss capital providing limited protection. Validator support is growing but not yet sufficient for activation, and key factors for investors include broker terms, vault liquidity, and repayment records.

As of Nov 12, 2026 17:01 WIB, XRP trades at Rp19.055 on Pluang, showing a slight 0.30% decline in the past day. Despite the new lending system developments on the XRP Ledger, XRP maintains strong investor interest with 97% of Pluang orders being buys and a typical hold time of 73 days. The market cap stands at Rp1.207,25 trillion, reflecting steady engagement in the asset.

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