Vet(@Vet_X0):Clearpool, Cicada and Ripple are building institutional credit infrastructure on the XRP Ledger. I wanted to know how do loans on the XRPL differ with the upcoming XLS-66 and XLS-65 amendment? Lending comes without smart contracts, how is the security seen by institutions? Favorite use of off-chain collateral: turning high-quality receivables into liquidity on XRPL.

2026.09.18 20:13

Clearpool, Cicada and Ripple are building institutional credit infrastructure on the XRP Ledger. I wanted to know how do loans on the XRPL differ with the upcoming XLS-66 and XLS-65 amendment? Lending comes without smart contracts, how is the security seen by institutions? Favorite use of off-chain collateral: turning high-quality receivables into liquidity on XRPL.

XRP Ledger Foundation@XRPLF

2026.09.18 19:36

@ClearpoolFin is building XRP Ledger credit rails with XLS-65 vaults and XLS-66 lending. @cicadacredit underwrites the credit and @Ripple participates as an LP / capital provider. We cover the private credit model, ledger-native security, institutional use on XRPL, and on-chain uses of borrowed capital.