# 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.

- Conviction: 40 / 100 (forming)
- Horizon: Emerging (watchlist)
- Tracking since: 2026-11-12T00:00:00.000Z
- Last updated: 2026-11-12T14:14:59.541Z
- Canonical: https://polylog.news/crypto/trends/bank-credit-moves-onchain
- Publisher: Polylog

## Recent evidence

- [confirms] Validator Support for XRP Ledger's Native Lending Protocol Rises to 22 of 35, With No Public Record of Who Switched (2026-11-12): Validator support for the XRP Ledger's native lending amendment rose to 22 of 35. The amendment would let banks issue fixed-term, uncollateralized loans from pooled vaults, and it needs 80% (28 validators) held for two weeks to activate. There is no public record of who switched, so the path to bank-style unsecured credit on a ledger aimed at institutions is advancing but still short of the threshold.