XRP’s Institutional Demand Is Moving Faster Than XRPL Lending $XRP is seeing two institutional trends develop at very different speeds. U.S. spot XRP ETFs attracted $110.49M in the week ending Aug. 28, their strongest weekly inflow of 2026, while validator support for XRPL’s proposed native lending infrastructure remains below 40%. The lending proposal itself is significant because XLS-65 and XLS-66 would move XRPL beyond payments and tokenization toward on-chain credit. Single Asset Vaults could pool XRP or other supported assets and issue tokenized ownership shares, while the lending layer would allow those pools to finance fixed-term, uncollateralized loans. Borrower assessment would remain off-chain, making the model closer to private credit than standard overcollateralized DeFi lending. The main obstacle is governance. SingleAssetVault currently has about 37% validator support and LendingProtocol roughly 34%, while both need 80% before activation. That leaves XRP in an unusual position entering September: institutional investors are already allocating capital through regulated ETFs, with cumulative net inflows near $1.66B, but the network is still deciding whether credit markets should become part of its native infrastructure. If approval eventually comes, XRPL could gain another layer of utility beyond simply moving and tokenizing assets. #Altcoin Season# #Ripple #Ad #XRPLedger