A new lending protocol on XRPL may attract institutional capital—what does this mean for XRP?

According to CoinWorld, the XLS-66d amendment for the XRPL lending protocol entered the validator voting phase on January 28, 2026, following the release of XRPL version 3.1.0. This proposal introduces native fixed-term lending and isolated vault features to the XRP Ledger, targeting institutional borrowers. All 34 validators have started voting, and 80% consensus must be maintained for two consecutive weeks for activation. This upgrade aims to provide institutional-grade yields and on-chain credit mechanisms. XRP is currently trading near $1.90, and analysts predict that if the protocol’s total value locked exceeds $500 millions, its price target will reach $3.50 to $5.00.