XRP Ledger lending vote: What XRP holders should know

XRP Ledger validators are considering two amendments that would add single-asset vaults and fixed-term lending directly to the network’s core protocol. Summary XLS-65 and XLS-66 remain below the 80% validator threshold required before XRP Ledger mainnet activation. Single Asset Vaults would pool one token, while XLS-66 would issue fixed-term uncollateralized institutional loans. Ripple joined Clearpool and Cicada as an investor, but does not guarantee the fund’s losses. RLUSD would serve as the credit asset, while XRP would pay transaction fees and reserves. Activation requires validator support above 80% for two consecutive weeks, leaving the launch date uncertain. The amendments, XLS-65 and XLS-66, are open for validator voting but have not reached the support required for activation. An amendment must maintain support from more than 80% of trusted validators for two consecutive weeks before it can become active. Ripple’s validator voted in favor of both amendments in August. However, Ripple cannot approve the changes independently because validators decide whether to support each amendment. Current support remains well below the activation threshold, according to the XRP Ledger’...