Morning Edition · Thursday, November 12, 2026Published at 12:46 AM EST · New York
The amendment, which would let banks issue fixed-term, uncollateralized loans from pooled vaults, needs 80% support held for two weeks to activate.

Validator support for the XRP Ledger's native lending protocol has climbed from 19 to 22 of the ledger's 35 validators since mid-October, CoinDesk reports. No public tracker shows which validators changed their votes. Twenty-two of 35 is ab…
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Part of a tracked trend
Bank Credit Moves On-Chain
Ledgers aimed at institutions keep adding native credit tools designed for regulated lenders, so on-chain finance increasingly carries bank-style underwriting risk alongside overcollateralized DeFi.
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