Proposta de empréstimos nativos no XRP Ledger ganha apoio dos validadores
Validadores avançam na aprovação de um mecanismo de empréstimos de prazo fixo sem garantia em XRP Ledger.
Validadores avançam na aprovação de um mecanismo de empréstimos de prazo fixo sem garantia em XRP Ledger. XRP (XRP) is trading at R$5,82 ($1.04), down 0.7% since this brief published. This is an original Criptano brief based on reporting by Bitcoinist, with live market data added, as of Thu, 12 Nov 2026 11:30:01 UTC.
A proposta ampliaria a utilidade do XRP Ledger ao permitir crédito fora de modelos baseados em garantia liquidável, aproximando a rede de participação institucional sem alterar as funções essencialmente purpose-built da blockchain.
- Validadoresincreased support for native fixed-term lending.
- Empréstimos não exigiriam collateral posted crypto.
- Funding would come from depositors in a shared vault.
- XRP está em US$ 1,051, com queda de 20,57% em sete dias.
- XRP Aproxima-se de Resistência de $1,31 com Novas Ofertas de Empréstimos
- XRP Ledger propõe correção para arredondamento em repayments de empréstimos
- Proposta de empréstimos nativos no XRP Ledger ganha apoio dos validadores — this brief
O 
XRP Ledger está mais próximo de uma atualização que introduziria Lending nativo em sua rede. De acordo com Bitcoinist e Crypto.news, o aumento recente do apoio dos validadores à proposta de Lending Indicates that the blockchain is moving closer to approval of the protocol, although neither report supplied a voting figure or a final approval date.
A mechanism described by the outlets would allow borrowers to obtain fixed-term loans without posting cryptocurrency collateral for the protocol to liquidate. Instead, the funds would be pooled in a shared vault supplied by depositors. Crypto.news also reports that a loan broker would evaluate the borrower, adding an off-protocol credit assessment component to the proposed structure.
The two publications agree on the proposal’s central features: fixed-term credit, no collateral posted for liquidation and funding from depositors. They do not present conflicting figures or terms. Their difference is one of emphasis: Bitcoinist highlights the potential role of native Lending in institutional finance, while Crypto.news focuses more on the operational arrangement involving the vault, broker and borrower assessment.
The proposal is significant because it would add a credit function to a ledger known for enabling transfers and token issuance, with participants able to borrow directly through the network rather than relying on a separate lending venue. The proposed model separates capital provision from collateral-based liquidation, but the supplied coverage does not specify the vault’s controls, broker requirements, risk protections or the parameters that would determine final adoption.
Market conditions provide a subdued backdrop for the development. XRP trades at US$ 1,051, down 0,56% over 24 hours and 20,57% over seven days, with a market capitalization of US$ 66,74 billion. The total crypto market capitalization stands at US$ 2,51 trillion and is broadly flat, while 
Bitcoin fell 0,44% over 24 hours. The Fear & Greed Index is at 28, classified as Fear. What to watch next is whether validator support continues toward formal approval and how the final protocol addresses the credit and fund-management details outlined in the proposal.
Since this brief published about 2 hours ago, XRP (XRP) has moved from R$5,86$1.05 to R$5,82$1.04 — -0.67%.
The chart plots XRP's price: grey is the move before this brief published, the vertical dashed line marks the moment it published, the horizontal dashed line is the price then, and the coloured area is the move since — from Criptano's market data (daily resolution). It shows what happened after the news, not that the news caused it; many factors move prices. Não é recomendação.
At today's peer-to-peer rate, 1 XRP ≈ R$5.83 (about $1.04), down 1.3% over 24 hours. The real itself trades about 0.3% above the official rate on the P2P market, so a Brazilian buyer's effective cost differs from the headline dollar price.
Live market data
Current prices for the asset in this story — live, source-stamped, updated every 15 minutes.
Figures and sectors in this story, checked live against on-chain aggregators · 12 de novembro de 2026.
Criptano reads these figures directly from on-chain aggregators (DeFiLlama, mempool.space) at build time — independent of what any outlet reported. Sector totals aggregate every protocol DeFiLlama tracks in that category. Values are live and will change.
Proposta de empréstimos nativos no XRP Ledger ganha apoio do — questions & answers
Como funcionaria o Lending nativo proposto?
Um tomador receberia um empréstimo de prazo fixo sem_postar garantia cripto liquidável. Depositantes forneceriam os recursos por meio de um vault compartilhado.
Quem avaliaria quem toma o empréstimo?
Crypto.news informa que um broker de empréstimos faria a avaliação do tomador. A cobertura não detalha os critérios ou mecanismos de risco utilizados.
Qual é o estado atual da proposta no XRP Ledger?
O apoio dos validadores aumentou nas últimas semanas, segundo Bitcoinist e Crypto.news. Nenhuma das reportagens forneceu percentual de votação nem data de aprovação definitiva.
How much is 1 XRP worth in real today?
About R$5.83 at the live peer-to-peer (P2P) USDT rate, which is what Brazilians typically trade at — equivalent to roughly $1.04. The real price moves with both XRP's US-dollar price and the USDT/BRL rate; use our XRP in real page for any amount.
Has XRP's price moved since this brief was published?
XRP is down 0.67% since this brief first published — trading at R$5,82 ($1.04) now versus R$5,86 ($1.05) at publication. Criptano re-checks this figure against CoinGecko and Binance every 15 minutes.
Which outlets reported this story?
This is an original Criptano brief that synthesises reporting from Bitcoinist. It is not a copy of any one article — follow the source links above for the original reporting.
Original summary — not financial advice. This is an original Criptano brief that summarises a development reported elsewhere and adds live market data for context; it is not the original article and reproduces no part of it. Follow the source link above for full details. Crypto is volatile and high-risk — always do your own research.