Ripple Proposes Adding Native Crypto Lending to XRP Ledger

• Ripple is leading an initiative to add a native lending protocol to the XRP Ledger to expand its DeFi capabilities • The proposed protocol will allow lending and borrowing of assets like XRP, wBTC, and wETH to earn interest • It enables fixed-term loans with pre-set terms, without needing collateral • The modular design makes it easy for developers to build DeFi apps on the XRPL • While it could bring new utility to XRP, some companies may be reluctant to use an unregulated lending product