A proposed XRP Ledger lending system had gained validator support but had not met the threshold for activation, according to a TechFlow report published on November 12, 2026, at 13:22 (UTC+8), citing CoinDesk.
As of Wednesday, the lending amendment and its first patch each had 22 votes, up from 19 on October 19. The SingleAssetVault amendment, which would provide funding pools for lending, had 23 votes. Each feature needs support from at least 29 of the 35 validators on the default list for two weeks before it can be enabled.
Under the proposal, lenders could deposit XRP or other tokens into a vault, and loan brokers could issue fixed-term loans without requiring borrowers to provide collateral. These are proposed functions, not an indication that the lending system was active at the time of the report.