Their vision for the future is as follows: XLS-65 is a Single Asset Vault. XLS-66 is a Lending Protocol. Together, these two components will build a native lending infrastructure on the XRPL. Institutional investors are not simply seeking asset tokenization—they require an environment where assets can be held, lent, used as collateral, and generate liquidity. Moreover, the XRPL is increasingly developing native compliance mechanisms. This is critical. I view the XRPL as evolving from merely a payment network into a comprehensive financial infrastructure capable of attracting institutional investors. XRP is not only positioned as a settlement and bridge asset but also holds potential as a source of liquidity and collateral. RLUSD will serve as the frontend for payments and financial transactions, while XRP underpins the backend by providing liquidity. Lending, tokenization, and compliance will be seamlessly interconnected. The financial ecosystem centered on XRP is still under development—making what comes next all the more important. The XRPL Lending Protocol: Bringing Credit Infrastructure Onchain https://t.co/E2rh4ydTmO