Ripple upgrades the XRP ledger: Native lending features make institutional-level financial infrastructure possible.

2025-12-22 11:40:08

【Coin World】Ripple is about to perform a major overhaul on the XRP ledger—preparing to add native lending features, allowing institutions to borrow XRP directly on-chain. This is not just a simple stack of functions, but a protocol-level design, addressing fixed-term loans and position isolation, ensuring risk control.

In simple terms, banks and payment companies have been looking for infrastructure that is both secure and predictable, and this upgrade is aimed at that demand. By involving XRP in credit creation and balance sheet operations, Ripple aims to upgrade XRP from a mere payment channel to collateral-grade financial infrastructure.

What does this mean? Liquidity may be locked, and the value of XRP will be more tied to actual financial utility rather than just speculative expectations. For those optimistic about institutional-level applications, this is a key signal.

XRP-6,78%

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