A Trillion-Dollar Credit Market Is Moving Closer to XRP Ledger. Here’s the Latest

Crypto pundit X Finance Bull believes a massive credit market is heading toward the XRP Ledger. In a recent post, he shared a diagram to prove it and explain why investors should pay attention.

A Native Lending Layer Joins XRPL

The image shows XRPL adding lending as a core function, alongside payments, settlement, and tokenization. The new protocol carries the labels XLS-65 and XLS-66. These standards build lending directly into the ledger, bringing a trillion-dollar market. It allows institutions to connect to XRPL and use these shared functions instead of building separate systems.

The diagram calls this “credit as infrastructure, not an application.” Embedded compliance tools support the system, including permissioned domains, clawback, and freeze functions. Each institution still brings its own underwriting, collateral, and risk models. They just operate on the same protocol mechanics.

A trillion-dollar credit market is moving closer to the $XRP Ledger👇

Most people still have no idea what is coming.
That makes me more bullish than ever.

Here's what's coming.

XRPL is adding a native lending protocol. For years, blockchains were good at one thing: moving and…

— X Finance Bull (@Xfinancebull) June 30, 2026

How the Lending Process Functions

The diagram shows a clear loop. A liquidity provider deposits RLUSD into a permissioned vault. A pool administrator runs the lending protocol behind it. A payment service provider draws RLUSD from that vault, then repays the loan with interest. The lender draws that interest back out, and permissioned domains verify both wallets through credentials.

X Finance Bull explains the execution side. He says credit decisions stay off-chain, where banks and risk teams already operate. The protocol “just handles execution, originating loans, accruing interest, enforcing repayment, processing defaults. All automatic.”

A Practical Use Case for Payment Providers

X Finance Bull offers a real scenario to show why this matters. He describes a payment provider waiting 48 hours for a settlement. Instead of relying on a bank credit line at 300 to 400 basis points, the provider borrows against incoming funds on XRPL. He notes that the terms get “enforced by code.” This reduces friction by removing a layer of cost and delay that payment companies currently absorb through traditional banking relationships.

What This Means for XRP’s Growth

This points toward a larger shift in how blockchains support real financial activity. X Finance Bull notes that blockchains excelled at moving and holding assets but lacked the borrowing and collateral functions traditional finance relies on. XRPL now builds that missing layer into its protocol. He acknowledges validator approval still applies before any of this goes live. Still, he says “the direction is set.”

For XRP holders, this signals more than a short-term price story. A working credit layer could attract institutions that need lending infrastructure built for compliance and verified counterparties. X Finance Bull closes with a reassuring statement: “I’m bullish.” He encourages people to stop watching price charts and watch the infrastructure forming underneath XRP instead.