Wire · technology
XRP Lending Debate Heats Up Before Native Tools Launch
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Fusion42 · 9 October 2026 · Fusion42 review
The XRP Ledger is approaching a native lending feature launch allowing direct blockchain lending and borrowing, stirring debate between Ripple CTO Emeritus and Flare CEO on timing and approach for developers. While XRPL Validators vote on the lending proposal, Flare aims to deploy lending via side infrastructure using its confidential compute technology to avoid bridge risks and expand smart contract capabilities.
This Wire brief sits within Fusion42's coverage of Crypto & Web3 and Fintech.
◆ ◆ The Wire takeaway
You face a choice between building XRP lending on the upcoming native ledger feature or leveraging Flare’s side infrastructure for more immediate and flexible smart-contract lending. This split defines your product timing and risk profile for entering XRP-based lending markets.
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1 source · 9 Oct 2026
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