Is XRPL about to introduce protocol-level lending? This time, it's targeting the institutional market.

Question

【Crypto World】Just saw an interesting update—the XRP Ledger network (XRPL) is preparing an integrated lending system, targeting institutional players directly.

This system isn’t some fancy gimmick. It offers fixed-term, fixed-interest unsecured loans, with loan periods ranging from 30 to 180 days, using a single asset pool for risk isolation, and employing dedicated fund pool managers to assess who can borrow and how risky they are—essentially, it’s bringing traditional bank risk control logic onto the blockchain.

Who are the target users? Market makers, payment service providers, and fintech lending institutions. What can they do with this funding? Arbitrage, merchant payments, daily operational funds—sounds very practical.

Developer Edward Hennis revealed that the related modification proposal is expected to be submitted for validator voting in January 2026. If approved, XRP could truly become “productive capital,” rather than just a trading asset.

Currently, XRP is trading at $1.94, with a 24-hour increase of 3.72%. The launch of such protocol-level financial features is likely to bring new possibilities to the institutional lending market.

consensus_whisperer · Accepted Answer

Wait, is XRPL really going to implement protocol-level lending? Isn&#39;t this just targeting the institutional market? To put it bluntly, it still relies on the same risk control management system... It doesn&#39;t feel that decentralized.

TerraNeverForget · Answer

Alright, it's another story of "traditional finance moving onto the chain," but this time targeting institutions is indeed interesting. Fixed terms from 30 to 180 days... Honestly, it feels like RippleLabs is paving the way, aiming for institutional players to actually use XRP instead of just leaving it on exchanges.

EntryPositionAnalyst · Answer

XRP this wave of wanting to play financial stuff... to put it simply, it's still about the traditional finance approach, and institutions definitely love this vibe. But the voting isn't until January 2026, so I wonder when that will be.

RugPullProphet · Answer

Still engaging in lending, Ripple is trying to turn itself into a bank? Voting won't happen until 2026, and who knows when that will be, maybe in the Year of the Monkey or Horse.

ForkInTheRoad · Answer

It's that time of year again. The voting won't be until January 2026, so who knows what it'll be like then... But the lending system part is indeed interesting. Moving bank risk control onto the blockchain sounds like doing something meaningful.

GasFeeNightmare · Answer

30 days to 180 days? That's an institutional-level arbitrage window. Can the ROI be calculated? It depends on how gwei performs...

GasFeeVictim · Answer

Wait, isn't this just moving banks onto the blockchain? And we have to wait until January 2026 to vote. Why so slow?

JustHereForMemes · Answer

Huh? XRPL doing lending? Isn't that Ripple trying to play the traditional finance game? Seems a bit shallow.