XRPL Lending Proposal Advances to 22 Validator Approvals
Ripple’s proposed XRPL lending framework has added three validator votes, bringing the LendingProtocol amendment closer to mainnet activation.
Ripple’s proposed XRPL lending framework has added three validator votes, bringing the LendingProtocol amendment closer to mainnet activation. XRP (XRP) is trading at ₹97.32 ($1.04). This is an original Token Times brief synthesising 2 outlets (Crypto Economy, Crypto.news), plus live market data, as of Thu, 12 Nov 2026 12:45:01 UTC.
The amendment could introduce a native fixed-term lending model for banks, payment companies and liquidity providers. Its progress puts the XRPL’s proposed credit infrastructure closer to an activation vote.
- LendingProtocol reached 22 validator approvals
- Three validators added support in recent weeks
- XRP fell 1.77% over 24 hours and 21.25% over seven days
- Broader crypto sentiment remained fearful at 28
Crypto Economy and Crypto.news agree that the XRPL LendingProtocol amendment has reached 22 approvals following three additional validator votes in recent weeks. Crypto Economy highlights the intended structure, including asset deposits into vaults and broker-issued fixed-term loans for banks, payment firms and liquidity providers, while Crypto.news emphasizes its proximity to the voting threshold required for mainnet activation. The outlets do not provide conflicting figures; their main difference is emphasis, with Crypto Economy focusing on the proposed lending model and Crypto.news focusing on amendment status.
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- XRPL Lending Proposal Advances to 22 Validator Approvals — this brief
Ripple’s proposed lending system for the 
XRP Ledger has received three additional validator votes in recent weeks, according to Crypto Economy. The support brings the LendingProtocol amendment to 22 approvals and moves it closer to the threshold required for activation on XRPL mainnet.
The framework is intended to serve banks, payment companies and liquidity providers. Under the model described by Crypto Economy, lenders deposit assets into vaults, while brokers issue loans with fixed terms. The proposal is therefore designed to connect asset providers with borrowers through a protocol-level lending structure.
Both Crypto Economy and Crypto.news report the same 22-approval figure and the recent addition of validator support. Neither outlet identifies a conflicting vote count or disputes the proposal’s direction. Crypto Economy provides more detail about how deposits, vaults, brokers and fixed-term loans would work, whereas Crypto.news cites the XRPL amendment tracker and highlights how close the proposal is to its activation threshold.
Crypto.news also refers to a companion single-asset vault amendment as part of the broader development. The lending and vault proposals have advanced toward the voting threshold, but the supplied coverage does not specify an exact remaining number of approvals or a date for mainnet activation.
The market backdrop was broadly negative when the data was captured. XRP was priced at $1.038, down 1.77% over 24 hours and 21.25% over seven days, with a $65.91 billion market capitalization. 
Bitcoin fell 1.40% over 24 hours, total crypto market capitalization stood at $2.49 trillion, and the Fear & Greed index registered 28, indicating fear. The next protocol milestones to watch are further validator support and whether the lending and vault amendments obtain enough approvals for activation.
Since this brief published about 2 hours ago, XRP (XRP) has moved from ₹97.42$1.04 to ₹97.32$1.04 — -0.10%.
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 ≈ ₹103.77 (about $1.04), down 1.7% over 24 hours. The rupee itself trades about 6.6% 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 · November 12, 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.
XRPL Lending Proposal Advances to 22 Validator Approvals — questions & answers
How many approvals has LendingProtocol received?
The XRPL LendingProtocol amendment has reached 22 approvals after gaining three validator votes in recent weeks.
How would the proposed XRPL lending system work?
Lenders would deposit assets into vaults, while brokers would issue fixed-term loans to borrowers under a model designed for banks, payment firms and liquidity providers.
Has the lending amendment activated on XRPL mainnet?
No. It has moved closer to the required voting threshold, but the supplied coverage gives no activation date.
How much is 1 XRP worth in rupee today?
About ₹103.77 at the live peer-to-peer (P2P) USDT rate, which is what Indians typically trade at — equivalent to roughly $1.04. 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 down 0.10% since this brief first published — trading at ₹97.32 ($1.04) now versus ₹97.42 ($1.04) 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 Economy, Crypto.news, with the key figures cross-checked for agreement across them. 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.