The XRP Ledger is considering protocol updates to introduce single-asset vaults and fixed-term, uncollateralized lending. These changes would allow multiple depositors to pool one asset into vaults and issue shares, while loans could be funded without on-ledger collateral. The lending protocol would manage loans, but risk assessment remains with external lenders. The proposal is currently open for validator voting, requiring over 80% support for activation, but no activation date is set yet.
The XRP Ledger lending protocol update is under validator voting. For readers following cryptocurrency markets, here is Pluang's snapshot as of Sep 23, 2026 21:02 WIB: 27 of 50 major cryptocurrencies rose while 22 fell. Notable moves include ONE down 17.42% at Rp56, GRT up 12.89% at Rp484, and BAL up 11.14% at Rp16.297.
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