Citing Bitjie, Ripple developers have announced plans to launch a protocol-level lending system on the XRP Ledger (XRPL), tailored for institutional users. The system will offer uncollateralized credit with fixed terms and interest rates, ranging from 30 to 180 days. It will use a single-asset reserve for risk isolation and include dedicated fund pool administrators to assess borrower risk, similar to traditional banking models. Target use cases include market makers, payment service providers, and fintech lenders. Developer Edward Hennis noted that the proposed changes are expected to be submitted for validator voting in January 2026, potentially turning XRP into productive capital. XRP is currently trading at $1.94, up 3.72% in the last 24 hours.
Ripple to Introduce Protocol-Level Lending System for XRP Ledger in 2026
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Summary
KuCoin system upgrade plans align with Ripple’s 2026 protocol-level lending system for XRP Ledger. The system will offer uncollateralized credit with fixed terms, using a single-asset reserve and risk-assessing fund pools. Target users include market makers and fintech lenders. Developer Edward Hennis said changes may go to validator vote in January 2026. XRP is currently trading at $1.94, up 3.72% in 24 hours. KuCoin customer service has seen rising inquiries about XRP-related features.
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