Validator Vote on Native Lending Bolsters XRP as Price Tests Key Support

XRP's native lending infrastructure is set to receive a boost as a validator vote on two proposed amendments, XLS-65 and XLS-66, gains traction. The amendments aim to establish standardized lending on the blockchain, specifically designed for regulated financial institutions.

The framework would keep credit assessment and compliance off-chain, where licensed lenders handle due diligence. The ledger itself would execute and settle loans: disbursement, interest calculation, and repayment. The target assets are tokenized instruments such as US Treasury securities, money-market funds, and stablecoins.

Roughly 20% of the network's 35 active validators have already approved the changes. Activation requires a sustained 80% threshold over a 14-day period.