XRP Ledger Advances Lending Protocol with New Amendment
The XRP Ledger introduces LendingProtocolV1_2 to enhance its lending functionality.
The XRP Ledger introduces LendingProtocolV1_2 to enhance its lending functionality. XRP (XRP) is trading at ₹128 ($1.35), up 0.7% since this brief published. This is an original Token Times brief based on reporting by Crypto Daily, with live market data added, as of Wed, 21 Oct 2026 09:00:01 UTC.
This development is significant as it refines the technical framework for decentralized lending on the XRP Ledger, potentially expanding its use cases and attracting more DeFi applications.
- XRP Ledger adds LendingProtocolV1_2 amendment to improve lending functionality.
- The update splits loan setup and acceptance into two transactions for better efficiency.
- XRP price is up 3.93% in the last 24 hours, currently trading at $1.34.
- XRP Ledger Readies for October 23 Upgrade Amidst Stalled Lending Feature
- XRP Ledger Update Advances While Lending Feature Delayed
- XRP Ledger Advances Lending Protocol with New Amendment — this brief
The 
XRP Ledger (XRPL) has introduced a new amendment, LendingProtocolV1_2, aimed at improving its decentralized lending functionality. This update is part of ongoing efforts to refine the platform's technical framework for financial applications.
The primary change in LendingProtocolV1_2 is the division of the loan setup and acceptance processes into two separate transactions. This separation is intended to enhance the efficiency and security of lending operations on the XRPL.
This development comes as the broader cryptocurrency market experiences a period of growth, with the total market cap now at $2.85 trillion. 
Bitcoin has seen a 24-hour increase of 2.13%, while XRP, the native token of the XRP Ledger, is up 3.93% in the same period, currently trading at $1.34.
The XRP Ledger has been positioning itself as a platform for decentralized finance (DeFi) applications, and this amendment is a step towards that goal. By improving the lending protocol, the XRPL could attract more developers and users interested in DeFi solutions.
The introduction of LendingProtocolV1_2 is a notable development for the XRP community and the broader DeFi space. As the amendment moves forward, it will be important to monitor its implementation and the impact it has on the XRP Ledger's ecosystem.
Since this brief published about 1 hour ago, XRP (XRP) has moved from ₹127.29$1.34 to ₹128.24$1.35 — +0.75%.
The chart plots XRP's price: grey is the move before this brief published, the vertical dashed line marks the moment it published, the horizontal dashed line is the price then, and the coloured area is the move since — from Token Times's market data (daily resolution). It shows what happened after the news, not that the news caused it; many factors move prices. Not financial advice.
At today's peer-to-peer rate, 1 XRP ≈ ₹140.86 (about $1.35), up 4.3% over 24 hours. The rupee itself trades about 9.8% above the official rate on the P2P market, so a Indian buyer's effective cost differs from the headline dollar price.
Live market data
Current prices for the asset in this story — live, source-stamped, updated every 15 minutes.
Figures and sectors in this story, checked live against on-chain aggregators · October 21, 2026.
Token Times reads these figures directly from on-chain aggregators (DeFiLlama, mempool.space) at build time — independent of what any outlet reported. Sector totals aggregate every protocol DeFiLlama tracks in that category. Values are live and will change.
XRP Ledger Advances Lending Protocol with New Amendment — questions & answers
What is the purpose of the LendingProtocolV1_2 amendment?
The amendment aims to improve the XRP Ledger's lending functionality by splitting loan setup and acceptance into two transactions.
How does this affect the price of XRP?
XRP's price has increased by 3.93% in the last 24 hours, currently trading at $1.34, potentially influenced by positive market sentiment and developments like this amendment.
What is the significance of this update for the XRP Ledger?
This update enhances the platform's capabilities for decentralized lending, which could attract more DeFi applications and users to the XRP Ledger.
How much is 1 XRP worth in rupee today?
About ₹140.86 at the live peer-to-peer (P2P) USDT rate, which is what Indians typically trade at — equivalent to roughly $1.35. The rupee price moves with both XRP's US-dollar price and the USDT/INR rate; use our XRP in rupee page for any amount.
Has XRP's price moved since this brief was published?
XRP is up 0.75% since this brief first published — trading at ₹128 ($1.35) now versus ₹127 ($1.34) at publication. Token Times re-checks this figure against CoinGecko and Binance every 15 minutes.
Which outlets reported this story?
This is an original Token Times brief that synthesises reporting from Crypto Daily. It is not a copy of any one article — follow the source links above for the original reporting.
Original summary — not financial advice. This is an original Token Times brief that summarises a development reported elsewhere and adds live market data for context; it is not the original article and reproduces no part of it. Follow the source link above for full details. Crypto is volatile and high-risk — always do your own research.