XRP Ledger Lending Amendments Face 80% Validator Hurdle as

Original author：Crypto World Daily

Original source：https://www.youtube.com/embed/bl4C_3YwBs4

Adoption Altcoins Author Ahmed Barakat Author Ahmed Barakat Part of the Team Since Aug 2025 About Author Ahmed Balaha is a journalist and copywriter based in Georgia with a growing focus on blockchain technology, DeFi, AI, privacy, digital assets, and fintech innovation. Has Also Written FBI Director Kash Patel Undisclosed Strategy Investment Raises Conflict-of-Interest Questions SEC's Peirce Expects CLARITY Act Senate Vote Before August Recess Every Setup Says Dogecoin Is Due a Big Rally: One Barrier Could Trigger the Next Leg Higher XRP Price Prediction: 1 Billion Unlock Fails to Suppress Rally as Ripple Pushes Above Key Resistance Bitcoin Price Prediction: Price Recovering as Central Banks Tighten Liquidity Author Profile Share Copied Fact Checked by CryptoNews Editorial Team Author CryptoNews Editorial Team Part of the Team Since Sep 2018 About Author The CryptoNews editorial team is composed of seasoned writers specializing in cryptocurrency and blockchain technology. Their expertise ensures comprehensive, accurate, and insightful content for... Has Also Written Ethereum Price Prediction: Kiyosaki Still Eyeing ETH, Solana Founder Bullish on EF Staff Cuts How to Exchange ZEC to BTC: Best Zcash to Bitcoin Exchanges 2026 How to Take Part in Wadoozie’s Live 48-State Tour to Win WADZ Rewards Best BTC to XMR Exchanges in 2026: Swap Bitcoin to Monero Anonymously CoinDepo vs. YouHodler vs. Nexo Earn: Which Is Better in 2026? Author Profile Last updated: 46 minutes ago Ripple has formally proposed two XRPL amendments, XLS-65 and XLS-66, that would embed fixed-term institutional credit infrastructure directly into the XRP Ledger. With it rolling, the validator voting is also now active following the Rippled v3.1.0 release in late January 2026. The framework targets uncollateralized, underwritten lending for regulated financial institutions, positioning XRPL as a credit layer rather than a payments rail. It is a structural shift that hinges entirely on whether the amendments can clear an 80% validator consensus threshold. Don’t Miss Out on Our $1,000 USDT Airdrop on ByBit That threshold remains the critical unknown. As of recent tracking, XLS-65 held approximately 8 validator yes votes, or just 22.86%, while XLS-66 had secured around 7, or 20%. Both figures sit well below the sustained 80% support required over two consecutive weeks for mainnet activation. Discover: The Best Crypto to Diversify Your Portfolio Single Asset Vaults and the Lending Protocol Mechanics. The two amendments operate as an interlinked system. XLS-65 introduces Single Asset Vaults, permissioned pools where liquidity providers deposit a single token. It holds RLUSD, XRP, tokenized U.S. Treasuries, or other tokenized assets, which are held directly by the vault structure itself. The XLS-65d revision simplified this model by eliminating two previously required transactions, reducing overhead for both depositors and redemption flows. XLS-66 builds the XRPL lending protocol on top of those vaults, specifying the on-ledger mechanics for loan origination, interest accrual, amortized repayment, and default enforcement via LoanSet, LoanPay, and LoanDelete transactions. Critically, underwriting and borrower credit assessment remain off-chain. With this, institutional credit desks handle the risk evaluation while XRPL manages execution and the loan lifecycle. This is not Aave-style... https://cryptonews.com/news/xrpl-lending-protocol-xls-65-xls-66-validator-vote-xrp/ #crypto #bitcoin #ethereum #cryptocurrency #news #blockchain #litecoin #cryptonews #cryptonewstoday #cryptoworld #cryptonewstoday ***NOT FINANCIAL, LEGAL, OR TAX ADVICE! JUST OPINION! I AM NOT AN EXPERT! I DO NOT GUARANTEE A PARTICULAR OUTCOME I HAVE NO INSIDE KNOWLEDGE! YOU NEED TO DO YOUR OWN RESEARCH AND MAKE YOUR OWN DECISIONS! THIS IS JUST ENTERTAINMENT! This information is what was found publicly on the internet. This information could’ve been doctored or misrepresented by the internet. All information is meant for public awareness and is public domain. This information is not intended to slander harm or defame any of the actors involved but to show what was said through their social media accounts. Please take this information and do your own research. bitcoin, blockchain, crypto, cryptocurrency, altcoin, investment, ethereum, bitcoin crash, xrp, cardano, ripple