The Ripple ecosystem has entered the final phase of launching native lending infrastructure for large businesses. Independent XRP Ledger validators have now begun voting on the XLS-65 and XLS-66 amendments, which will allow institutions to borrow directly at the blockchain's core, completely eliminating vulnerable third-party smart contracts.
So far, the level of support stands at 34–37% of the required 80%. Voting began after the code successfully passed a rigorous security audit by Sherlock and Clearpool started the final testing of its technical demo on DevNet.
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The architecture of the native credit stack directly built on the XRP Ledger blockchain. Source: Clearpool
For ordinary XRP holders, this launch is critically important: they will finally be able to pool their assets in Single Asset Vaults to generate real yield on equal terms with funds, while every lending transaction will burn network fees in XRP.
How Ripple's lending alliance works and what the U.S. central bank has to do with it
To attract institutional capital, Ripple has formed a pragmatic alliance with market leaders:
- Clearpool deploys closed private pools and handles the entire technical side for verified borrowers.
- Cicada Partners acts as a strict gatekeeper: it verifies fintech companies off-chain, assesses risks, and monitors loan repayments.
- Ripple itself enters the pools as an investor on equal terms with the others, providing initial liquidity.
The main settlement currency will be the regulated stablecoin RLUSD, or Ripple USD. For security, it includes a Clawback function — a tool for forcibly returning funds when violations are detected.
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At the same time, Ripple is accelerating fiat settlements to support the lending pools. Through its subsidiary Standard Custody, the company is awaiting a master account with the U.S. Federal Reserve. This would allow it to remove BNY Mellon from cash processing and reduce RLUSD issuance or redemption times to minutes. BNY Mellon would continue to provide custody for U.S. Treasury bills, or T-bills.
In parallel, the Batch feature is being introduced on XRPL to enable instant delivery-versus-payment transactions, or DvP, on-chain without interbank reconciliation. The final picture looks like this: direct capital issuance through the Federal Reserve, distribution without smart contracts, and atomic settlement within the network.
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