# XRP Ledger's native lending protocol reaches a validator vote

A proposal to add on-chain credit, vaults, and fixed-term loans directly to the XRP Ledger enters the validator approval phase, aimed at institutional users.

- Published: 2026-06-30T10:35:17.610Z
- Canonical: https://polylog.news/crypto/2026-06-30/xrp-ledger-s-native-lending-protocol-reaches-a-validator-vot
- Publisher: Polylog (Crypto desk)
- Section: crypto
- Sources: [crypto.news](https://crypto.news/xrpl-lending-protocol-enters-key-validator-voting-phase/)

The XRP Ledger's native lending protocol has entered a key validator voting phase, the step at which the network's operators decide whether to activate the feature. The proposal would build on-chain credit, vaults, and fixed-term loans into…

This story is for subscribers. Read it in full at https://polylog.news/crypto/2026-06-30/xrp-ledger-s-native-lending-protocol-reaches-a-validator-vot (subscription information: https://polylog.news/pricing).