Ripple launched the XRPL Lending Protocol on June 29, 2026, enabling institutional on-chain credit with off-chain underwriting via XLS-65 and XLS-66 specs.

A proposed XRPL standard would let institutions borrow against tokenized assets, with the blockchain enforcing loan terms while the underwriting stays with human credit teams. It…

Ripple's XLS-66 Lending Protocol brings fixed-term institutional credit to the XRP Ledger, with tokenized RWAs surpassing $3 billion in April 2026.