XRP Ledger’s fixes are nearly live. Why is lending still waiting?

An XRPL maintenance amendment is approaching activation on October 23, but the vault and lending proposals remain separate votes. The difference lies in what validators are being asked to authorize, and in the offchain credit judgment that protocol code cannot supply. Summary XRPL’s fixCleanup3_4_0 amendment is expected around October 23, 2026, if support holds. A recent snapshot counted 29 validator votes for the fixes. LendingProtocol had 19 votes in the October 19 snapshot, 10 short of that threshold. SingleAssetVault was 8 votes short in the same snapshot. XRPL requires more than 80% support for 2 consecutive weeks before activation. XRP Ledger validators have moved a maintenance amendment toward October 23 activation while leaving its proposed lending and vault features short of approval. The XRPL amendment rules require more than 80% support from trusted validators for two weeks before a change becomes active. The October 19 vote snapshot showed enough support for fixCleanup3_4_0 to approach activation, with the lending proposal at 19 votes and the vault proposal still below the 29-vote level cited in that snapshot. Votes can change; an expected date is not proof that activat...