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Quick Read
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XRPL validators are voting on native lending that embeds loan rules directly into the ledger, requiring 80% support for two weeks to activate.
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Solana’s DeFi holds $6.7 billion, which is 37 times XRPL’s $181 million total, and it launches new apps without network-wide votes, widening the gap.
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If new XRPL vaults accept XRP as collateral rather than RLUSD, locked tokens could shrink circulating supply and influence XRP’s price.
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The XRP Ledger, the technology that supports XRP (CRYPTO:XRP), is voting on a native lending update. This comes just as its leading DeFi application, Doppler Finance, has topped $130 million in deposits. This situation raises an important question: can XRPL DeFi close the gap with Solana (CRYPTO:SOL)?
Right now, the difference is significant. Solana’s DeFi applications hold around $6.7 billion, which is about 37 times the total of $181 million across all of XRPL DeFi, including Doppler. As of October 2, 2026, XRP is trading at around $1.52, but this latest development hasn’t significantly impacted its price.
XRPL Validators Are Voting on Native Lending
Lending Protocol V1.1, introduced in version 3.4.0 of the XRPL server software, is awaiting approval from validators—independent servers that confirm transactions and decide on rule changes. Changes to the ledger take effect only if at least 80% of these trusted validators support them for at least two weeks, meaning native lending is not yet active on the XRP network.
This native lending will embed loan rules directly into the ledger’s base code. Unlike Solana, where independent teams create lending applications with specific terms, XRPL will let all wallets and applications use the same built-in lending feature without developing and auditing individual lending contracts.
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Source: finance.yahoo.com