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Bu haber henüz dilinize çevrilmedi. İngilizce olarak gösteriliyor. Aslını İngilizce oku
XRP Ledger lending protocol reaches 22 validator votes, seven short of activation
The amendment needs more than 80% of the default validator list to hold support for two weeks before it can switch on.
Öne çıkanlar
- The LendingProtocol amendment has 22 yes votes out of a 35-validator default list, up from 19 in mid-October.
- Activation requires at least 29 votes held for two unbroken weeks.
- The SingleAssetVault amendment, which enables credit pools, has 23 votes and needs six more.
- The design uses off-chain credit assessment and does not require borrowers to post collateral on-chain.
- A new proposal filed on 4 November would create a further amendment, LendingProtocolV1_2.
Where the vote stands
Support among XRP Ledger validators for a lending protocol amendment rose to 22 votes, according to voting data reported by CoinDesk on 12 November 2026. The figure was 19 in mid-October.
The default validator list has 35 members. A protocol change needs more than 80% of that list, or at least 29 votes, held for two weeks without interruption before it activates. The lending protocol is therefore seven votes short.
A related amendment, SingleAssetVault, which allows credit pools to be created, had 23 votes as of 11 November and needs six more. Neither change has been activated.
The vote increases were in place by 10 November at the latest, according to the CoinDesk data. Public records did not show which validators changed their position.
How the protocol is meant to work
The design is set out in XLS-66, the lending protocol specification in the ledger's official standards documents. Users would deposit XRP or other supported digital assets into credit pools, and loan brokers would lend those funds to borrowers.
Borrowers would not have to post collateral directly on-chain. Credit assessment and risk management would happen off-chain instead. Brokers would put up first-loss capital to cover part of any losses, though the mechanism does not remove all credit risk for depositors.
The approach targets financial institutions that need short-term liquidity, particularly for cross-border payments.
Technical work continues
Developers are still working on the lending infrastructure while voting runs. A software change proposed on 4 November aims to create a new amendment called LendingProtocolV1_2, focused on managing conflicts between transactions tied to the same loan broker more safely.
A maintenance change that activated on 4 November fixed some software issues related to the lending protocol.
Activation would not by itself move the price of XRP. The protocol's economic effect would depend on usage and demand for liquidity after it goes live.
Kaynaklar
1 kaynakBu yazı, BattleTown Newsroom tarafından yukarıda listelenen raporlardan hazırlanmıştır.
Sık sorulan sorular
Has the XRP Ledger lending protocol been activated?
No. It has 22 of the 29 votes needed, and the threshold must be held for two unbroken weeks.
Do borrowers have to post collateral on-chain?
No. Under the XLS-66 design, credit assessment and risk management take place off-chain.
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