XRPL Lending Amendment Moves Closer To 80% Validator Threshold

The XRP Ledger’s XLS-66d lending amendment has moved closer to the validator consensus threshold required for activation, with active support reaching 71.4%.
The amendment would introduce native uncollateralized lending primitives to XRPL, adding another potential DeFi feature to a ledger best known for payments and settlement. That is a big deal, but it is not live yet.
XRPL amendments need sustained validator support before activation.
The threshold is 80%, and that support has to hold for 14 days. So 71.4% is close enough to matter, but not enough to declare victory.
For more details, visit the official Livenet platform.
TL;DR
- XRPL validator support for XLS-66d reached 71.4%.
- The amendment would add native uncollateralized lending primitives.
- It still needs 80% consensus sustained for 14 days before activation.
Why XLS-66d Matters
XRPL has always had a different identity from smart contract-heavy ecosystems.
It is fast, payment-oriented, and built around settlement. That has helped it maintain a loyal user base and clear market position, but DeFi development has often been less central to the XRPL story than it is on Ethereum, Solana, or Avalanche.
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