The XRP Ledger has initiated a validator vote on the LendingProtocolV1_1 amendment, which aims to enhance its lending capabilities by adding closed-ended vaults and cash-basis accounting. This update, included in the xrpld version 3.4.0 released on September 17, would introduce subscription, investment, and redemption phases for vaults and change how interest income is recorded. Activation requires over 80% validator support for two continuous weeks, but the current default vote is "No," and no activation date or live lending market is confirmed yet. The proposal focuses on building lending infrastructure rather than reflecting current loan activity or user engagement.
XRP Ledger lending upgrade vote offers context for cryptocurrency markets. For readers following crypto broadly, here is Pluang's market snapshot as of Oct 01, 2026 05:01 WIB: 14 of 50 major cryptocurrencies rose, 35 fell. CAKE rose 3.21% to Rp46.945 with a typical hold time of 75 days and order activity near balanced at 51% Sell / 49% Buy. EGLD fell 2.58% to Rp80.035 with 84% Sell orders. LINK dropped 2.53% to Rp256.106 with 57% Buy orders.
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