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Bloomingbit Newsroom

Summary

Brad Kimes said he urged XRP holders not to sell ahead of the upcoming rollout of the XRPL lending protocol.
He said the protocol would mitigate vulnerabilities in existing DeFi lending through fixed rates, an underwriting-based loan structure, and segregated single-asset vaults.
With the prospect of institutional use akin to traditional finance coming into focus, he said final adoption will be decided by a vote of XRP Ledger validators in late January 2026.

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Brad Kimes said he urged XRP holders not to sell ahead of the upcoming rollout of the XRPL lending protocol.

He said the protocol would mitigate vulnerabilities in existing DeFi lending through features such as fixed rates, an underwriting-based loan structure, and segregated single-asset vaults.

As the prospect of institutional use akin to traditional finance comes into focus, he said final adoption will be decided by a vote of XRP Ledger validators in late January 2026.