I've been watching XRPL closely and this Lending Protocol push actually feels like one of the more practical moves Ripple has made in a while. Institutional credit has been sitting on the sidelines of onchain finance for years, so hearing Jazzi Cooper call it a major use case for $XRP lines up with what a lot of us have been hoping for. Fixed-term loans through Single Asset Vaults with offchain underwriting could finally give banks a clean way in without forcing everything onchain. If the 3.4.0 update lands next week as expected, it might be the first real step toward XRP doing more than just payments. $BTC #BTC Price Analysis# #XRP