Jarvis Attached News 4

Interest in changes to the XRP Ledger (XRPL) infrastructure is growing among XRP holders. In particular, as a new lending protocol designed with institutional use in mind is being discussed, long-term holding strategies are being reassessed.

According to a NewsBTC report on the 24th (local time), crypto market analyst Brad Kimes said on X, "Never sell XRP," and emphasized that attention should be paid to the upcoming XRPL lending protocol. He operates under the name Digital Perspectives.

Kimes's remarks were a response to an XRPL lending protocol proposal published by Ripple software engineer Ed Hennis. The proposal is characterized as a structure that supports fixed-term, fixed-rate, and review-based lending at the XRP Ledger protocol level, and is operated by validator consensus rather than a smart contract layer.

Hennis explained that this structure provides clear contract terms, predictable interest rates, and explicit approval procedures that meet the criteria required by real institutional investors. Accordingly, some market participants see using XRP as collateral to obtain loans rather than selling it as a realistic option.

The XRPL lending protocol adopts a structure that, unlike existing DeFi loans, separates each loan into a Single Asset Vault. This aims to prevent the risk of a specific loan transferring to other loans and to mitigate the structural vulnerabilities of DeFi platforms that have arisen during market volatility.

The protocol also runs alongside low-collateral or uncollateralized loan models, vetted by institutions, moving away from existing on-chain lending methods that require excessive collateral. Hennis presented use cases similar to traditional finance, such as market makers borrowing XRP or RLUSD to secure inventory and engage in arbitrage, or payment service providers using RLUSD for merchant instant settlement. The feature is scheduled to be put to a vote at the end of January 2026, and its final adoption depends on the decision of XRP Ledger validators.