The XRP Ledger is developing a lending protocol update that requires borrowers to accept loan proposals in a separate transaction, making loan activation a two-step process. This change aims to improve the lending system, which offers fixed-term, no-collateral loans funded from asset-specific vaults. The update, currently unsupported and inactive on the network, needs approval from over 80% of validators to activate on the Mainnet. Meanwhile, a separate cleanup amendment addressing token permissions is nearing its approval deadline but won't activate lending features.
The XRP Ledger lending protocol update is under development, aiming to require borrowers to accept loan proposals in a two-step process. For readers following cryptocurrency markets, here is Pluang's market snapshot as of Oct 21, 2026 23:51 WIB: of 50 major cryptocurrencies priced on Pluang, 41 rose and 8 fell today. Notable movers include SXP at Rp37 with a 1-day change of -46.27%, BAT at Rp3.278 with a 1-day change of -12.92% and Pluang order activity skewed 84% Sell / 16% Buy, and BAL at Rp16.297 with a 1-day change of +11.14%.
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