Ripple Unveils XRPL Lending Protocol to Fuel Institutional Borrowing

Ripple has proposed a new XRPL Lending Protocol that allows institutions to borrow against tokenized assets held on the XRP Ledger.

The protocol automates loan mechanics such as pooling assets, calculating interest, and enforcing repayment on-chain, while credit decisions remain off-chain with human lenders.

This approach aims to provide predictable risk management by fixing lending rules at the blockchain level, contrasting with existing crypto lending platforms that rely on community governance.