Learn how lending and borrowing are facilitated natively on the XRPL with these amendments — starting with Single Asset Vaults in 3 minutes.
LendiChain · XRPL Lending Protocol
A vault that holds exactly one type of asset — like XRP or RLUSD. Lenders deposit into it and earn interest from borrowers. Simple. Powerful. Native.
Amendments are protocol upgrades that validators vote on. Once 80% agree for 2 weeks, the feature goes live — permanently. This is how lending was added to XRPL natively.
Unlike Ethereum-based protocols, XRPL's lending is built into the ledger itself. Faster. Cheaper. No bytecode vulnerabilities. Just protocol-level math.
Lender
You deposit XRP
SAV Vault
On-ledger vault
Borrower
Posts collateral
You Earn
Yield compounds
XRPL amendments don't just appear. They go through community review, validator voting (80% threshold for 2 weeks), and then activate permanently on the ledger.
Amendment Proposed — SingleAssetVault
Validator community review & testing
80% validator threshold reached
2-week sustained majority window
Lending protocol activates on mainnet
0+
Validators voting
–5s
Consensus time
<$0.01
Avg. tx fee
0+
Years of XRPL
LendiChain gives you access to the XRPL lending protocol — earn yield on your XRP and RLUSD with no lock-ups.