The introduction of a native lending protocol on the xrp ledger, highlighted by a $1 billion treasury firm, could significantly increase xrp's utility and demand, potentially driving substantial price appreciation.
The potential for increased utility through lending, automated repayments, and confidential transfers, especially by unlocking over $100 billion in dormant xrp, is a strong bullish catalyst. the focus on institutional infrastructure also points towards increased adoption.
The development and widespread adoption of a native lending protocol and the realization of its potential impact on xrp's utility and price will likely take a significant amount of time, extending beyond short-term market fluctuations.
Cover image via U.Today Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available. In a recent tweet, $1 billion XRP treasury company Evernorth spotlights the XRPL native protocol. The XRP Ledger Lending protocol was introduced in rippled version 3.1.0 and is currently being voted upon. Advertisement "XRP’s native lending protocol is on the way," Evernorth wrote in a recent tweet highlighting the potential of this major XRPL upgrade. "Single asset vaults. Term lending with automated repayments. Confidential transfers using zero-knowledge proofs. On-chain institutional infrastructure built at the protocol level," Evernorth wrote. HOT Stories 90 Million ADA Deposit to Binance Shakes Cardano Price, XRP 'Juicy' Setup Eyeing $1.5 Short Squeeze: CryptoQuant, Shiba Inu (SHIB) Targets 37% Golden Cross Rally for Q2: Morning Crypto Report Ripple's Schwartz Denies Pre-Allocated XRP Contracts Are Real XRP’s native lending protocol is on the way! Single asset vaults. Term lending with automated repayments. Confidential transfers using zero-knowledge proofs. On-chain institutional infrastructure built at the protocol level. Get the 3 minute breakdown from @sagarCBO . Learn more:… pic.twitter.com/QIQV1bmSIk — evernorthxrp (@evernorthxrp) March 27, 2026 XRP enthusiast "Bank XRP" spotlights Evernorth's insights on the XRP Ledger Protocol, referring to the XRP Ledger lending protocol as the "final piece of the XRPL stack." Advertisement XLS-66 changes the game as it unlocks utility by putting over $100 billion in dormant XRP to work; it utilizes native security with no need for wrapping or bridging. You Might Also Like Tue, 01/06/2026 - 12:39 Ripple CEO Named Strategic Advisor at $1 Billion XRP Treasury Company By Tomiwabold Olajide Advertisement Evernorth plans to use XLS-66 as, in an earlier announcement, the firm called for rigorous battle-testing of the new amendment. According to J.A Akinyele, Ripple is taking a more proactive, AI-driven approach to strengthening XRPL security. This includes AI-assisted testing across the development lifecycle, a dedicated red team and higher standards for how changes are evaluated before they go live. XRP price At the time of writing, XRP was down 2.6% in the last 24 hours to $1.33 amid a broader crypto market sell-off on Friday, which has seen $514 million in total liquidations. Rising U.S. Treasury yields and a stronger dollar spooked risk assets, including cryptocurrencies and crypto-related equities. You Might Also Like Fri, 03/27/2026 - 14:26 XRP ETF Underperforms With 0 Inflows, Net Flow Crosses -$28 Million By Godfrey Benjamin The recent market decline has seen $469.22 million in long bets liquidated in the last 24 hours, while shorts came in at $45.52 million, totaling $514.77 million. The sell-off in the last 24 hours saw XRP volume rise, suggesting a liquidation-driven move. XRP trading volume is up 42.94% in this time frame to $2.59 billion, according to CoinMarketCap data. #XRP News #XRP Ledger #XRPL