XRP Ledger’s proposed lending system had gained validator support but had not reached the threshold for activation, according to a November 12, 2026 report by TechFlow, citing CoinDesk. The report was published at 13:22 (UTC+08:00).
As of the Wednesday referenced in the report, the lending amendment and its first patch each had 22 votes, up from 19 on October 19. The SingleAssetVault amendment, which would provide funding pools for lending, had 23 votes. Each feature requires support from at least 29 of the 35 validators on the default list, sustained for two weeks, before it can be enabled.
Under the proposed design, lenders could deposit XRP or other tokens into vaults, while loan brokers would issue fixed-term loans without requiring borrowers to provide collateral. The vote counts establish growing support for the amendments, not that the lending system was active.