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Alex Dovbnya

XRP Ledger Targets Native DeFi Lending With XLS-66 Protocol Proposal

The XRP Ledger is pursuing native decentralized lending and borrowing through the proposed XLS-66 "Lending Protocol" amendment. Introduced in XRPL version 3.1.0 and co-authored by Ripple developers Vytautas Vito Tumas and Aanchal Malhotra, it aims to enable on-chain uncollateralized fixed-term loans using pooled funds. The change still needs an 80% validator supermajority sustained for two weeks, while current support stands at 17.14% with 6 validators backing the proposal.
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