# XRP Ledger Adds Lending and Long-Term Locked Vaults While Aave's New Institutional Market Sits Unborrowed

Version 3.4.0 introduces closed-ended vaults that can bar withdrawals for years, at a moment when $76 million of supplied dollars on Aave's Arc market has attracted less than $100,000 of borrowing.

- Published: 2026-09-18T05:52:43.927Z
- Canonical: https://polylog.news/crypto/2026-09-18/xrp-ledger-adds-lending-and-long-term-locked-vaults-while-aa
- Publisher: Polylog (Crypto desk)
- Section: crypto
- Sources: [crypto.news](https://crypto.news/xrp-ledger-3-4-0-adds-lending-and-protocol-fixes/), [CryptoSlate (XRPL vaults)](https://cryptoslate.com/xrpls-new-lending-tool-could-lock-up-your-xrp-from-minutes-to-decades/), [CryptoSlate (Aave Arc)](https://cryptoslate.com/aave-v4s-arc-market-is-swimming-in-76-million-of-usdc-nobody-is-borrowing/)

The XRP Ledger's 3.4.0 server release bundles a lending amendment, a revised vault design and a set of protocol fixes, crypto.news reported. The most consequential addition is the closed-ended vault, which bars withdrawals for the duration…

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