Ripple Supports Native Lending Features on XRP Ledger Amid Ongoing Ecosystem Risks

Ripple has endorsed two proposed changes to the XRP Ledger that would introduce native lending features like single-asset vaults and fixed-term loans, aiming to enhance institutional-style credit products on the network.

This move could standardize lending behavior across applications and integrate better with enterprise workflows, signaling Ripple's intent to expand beyond payments into on-chain credit markets.

The proposed amendments require 80% validator approval before activation, and a recent security incident involving an XRP bridge highlights ongoing ecosystem risks.