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XRPL plans a new lending protocol to turn idle XRP and tokens into fixed-term loans without crypto collateral.

Protocol Fundamentals
06 Oct 2026
Coinpaper
View Source
Bullish
XRPL plans a new lending protocol to turn idle XRP and tokens into fixed-term loans without crypto collateral.

XRPL is developing a lending protocol that allows assets in single-asset vaults to fund fixed-term loans, transforming idle XRP, stablecoins, or tokenized assets into deployable credit. Unlike typical DeFi lending, this system does not require borrowers to post crypto collateral; instead, it combines onchain lending with offchain credit checks, similar to traditional private credit models. The protocol is not fully active yet, needing more validator approval, but it could enable XRP and other assets to earn yield by participating in credit markets, supporting XRPL's move toward institutional credit solutions.

XRP trades at Rp26.931 on Pluang, down 0.83% as of Oct 06, 2026 17:31 WIB. Its market cap stands at Rp1.694,03 trillion with a 24-hour volume of Rp33,23 trillion. Buy orders slightly exceed sell orders at 54% to 46%, and typical holding time is 71 days, showing steady investor interest amid XRPL's new lending protocol development.

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