# Layer-1s Build DeFi Into the Protocol

Non-EVM layer-1s will keep adding lending, burn and token functions directly to their protocol rules through validator-voted amendments. Validator vote thresholds then decide when these products launch, and each new built-in primitive brings protocol-level flaws that need emergency cleanup packages, so validator governance becomes the main source of both rollout timing and new risk.

- Conviction: 30 / 100 (forming)
- Horizon: Emerging (watchlist)
- Tracking since: 2026-10-19T00:00:00.000Z
- Last updated: 2026-10-19T14:06:09.774Z
- Canonical: https://polylog.news/crypto/trends/l1-native-defi-amendments
- Publisher: Polylog
- Affected regions: Global

## Recent evidence

- [confirms] XRP Ledger validators set to activate a token-burn fix on Friday while the native lending protocol still lacks 10 votes (2026-10-19): XRP Ledger validators are set to activate fixCleanup3_4_0 on Friday. It closes a flaw that could let PaymentBurn delegates create tokens instead of destroying them. The native lending amendment has 19 of the 29 validator votes it needs.