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XRPL votes on native fixed-rate lending system, aiming to boost XRP and RLUSD utility with underwritten credit.

Protocol Fundamentals
11 Jun 2026
Crypto news
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Bullish
pluang ai news

The XRP Ledger (XRPL) is voting on amendments XLS-65 and XLS-66 to introduce native fixed-term, fixed-rate lending and vaults directly on the ledger, marking its first native credit system. This design focuses on underwritten credit with permissioned access, differing from typical DeFi models by emphasizing institutional trust and compliance. If adopted, it could increase utility and locked supply for XRP and Ripple's stablecoin RLUSD by enabling native yield and credit markets. Key risks include slow adoption, borrower defaults, underwriting quality, and competition from existing credit platforms. The vote outcome will shape XRPL's evolution from a payments ledger to a broader capital market platform.

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