fixCleanup3_4_0 goes live on the XRP Ledger on October 23, but lending still has no date

The information provided in this article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry a high degree of risk. Always conduct your own research.On October 23, 2026 the amendment fixCleanup3_4_0 goes active on the XRP Ledger, a bundle of corrections to features that are not even running on mainnet yet. This piece sets out what is being repaired, who has to act before then and why the credit function still has no start date. On October 23, 2026 at 09:34 UTC, the amendment fixCleanup3_4_0 becomes active on the XRP Ledger. If you simply hold or trade XRP, there is nothing to do: balances, addresses and payments already in flight stay as they are. The only people who have to act are those running a node or a validator of their own, because that software has to know the amendment by then. The bundle is notable for a different reason. Among other things it repairs Single Asset Vaults and the lending protocol, the credit function that has been written about for weeks as a thing of the future. Neither is live on mainnet to this day. The repair, in other words, arrives before the feature it repairs. What the XRP Ledger does on Oc...