The XRP Ledger has released a patch called LendingProtocolV1_1 to fix its uncollateralized lending system ahead of the original protocol's approval by validators. This update introduces closed-ended vaults for fixed-term loans and changes accounting to a cash basis, recognizing interest only when paid. Despite these improvements, the lending amendments still lack enough validator votes for activation, needing about 29 out of 36 votes but currently holding 19-21. The patch highlights ongoing efforts to refine the lending system, but no clear launch date is set until validator consensus is reached.
The XRP Ledger's lending protocol update is the subject, with Pluang market data providing context. For readers following major cryptocurrencies, 46 of 50 rose and 3 fell today. Notable moves include SXP down 46.27% at Rp37, BAT up 17.84% at Rp3.556 with a typical hold time of 93 days, and BAL up 11.14% at Rp16.297 as of Oct 20, 2026 03:42 WIB.
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