Ripple moves to add native lending framework to XRP Ledger via XLS65 and XLS66
AI Market Summary
Ripple's proposed XLS-65/66 upgrades would add native lending primitives to XRPL, expanding it from payments/token issuance into structured credit. Permissioned participation, credentialed domains, freeze/clawback, and admin controls target institutional compliance needs, potentially improving on-chain utility and integration pathways for regulated financial actors. Near-term market impact is tempered by the lack of a launch timeline, adoption targets, or disclosed liquidity goals.
Impact level
● Medium
Affected assets
XRP/USDT+3.17%
AI Insight · XRP/USDTAI Insight
▲ Bullish
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Ripple said it plans to introduce a native lending framework for the XRP Ledger (XRPL) through two protocol amendments, XLS-65 and XLS-66, announced in July 2026. The proposal is designed to let financial institutions and payment providers borrow digital assets without reducing their XRP holdings. It includes compliance-oriented features such as permissioned participation, credentialed domain verification, token freeze, and clawback mechanisms. Ripple did not disclose a specific launch timeline or any TVL target.
