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XRPL proposes LendingProtocolV1_2 with two-step loan creation, refining its lending system before launch.

Protocol Fundamentals
21 Oct 2026
Crypto Daily
View Source
Neutral
XRPL proposes LendingProtocolV1_2 with two-step loan creation, refining its lending system before launch.

The XRP Ledger (XRPL) development branch has introduced LendingProtocolV1_2, a new amendment that separates loan setup and acceptance into two distinct transactions before a loan becomes active. This update refines the loan creation process rather than expanding features, indicating ongoing adjustments to XRPL's lending system ahead of its full launch. The amendment also includes improvements in broker domain handling and vault accounting but remains unsupported and in development, with no set timeline for activation. Investors should watch for future progress on this staged lending rollout.

The XRP Ledger's LendingProtocolV1_2 update is noted here alongside Pluang's market data as of Oct 21, 2026 14:02 WIB. For readers following major cryptocurrencies, 42 of 50 priced assets rose and 7 fell today. Notable movers include AXS at Rp18.913 with a 5.14% gain and 100% sell order activity, SNX at Rp4.060 up 4.94% with 75% buy orders, and XTZ at Rp5.652 rising 4.51% with 67% sell orders.

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