NASDAQ:CHX 26 January 2026

June 29, 2026, 3:23 PM EDT. Ripple said developers can now test the XRPL Lending Protocol, which brings XLS-65 and XLS-66 upgrades to the XRP Ledger. The changes would add native credit tools if network validators give the green light, making it possible for institutions to borrow and lend digital assets on-chain and put idle holdings to use. The protocol adds a Single Asset Vault for pooling with set loan terms, but keeps credit checks off-chain so institutions keep control. Ripple said the approach is meant to fit with Wall Street risk standards, a shift from crypto-native models like Aave. The announcement comes after Ondo Finance hit a cross-border tokenized asset redemption milestone in May. XRP, meanwhile, fell to its lowest price since November 2024 even with the new protocol moves.