#native lending protocol

➤ The XRP Ledger Foundation (XRPLF) is planning two major upgrades: a Native Lending Protocol for decentralized lending and Advanced Programmability (Smart Escrows) for flexible transaction management. ➤ These upgrades aim to transform XRPL into a comprehensive financial and credit ecosystem, supported by existing compliance layers like MPTs for RWA tokenization and KYC/AML frameworks. ➤ The XRP ecosystem is also progressing towards full decentralization, with XRPL Commons focusing on user-facing solutions like Smart Vaults and lending, while XRPLF concentrates on core ledger development and infrastructure.

➤ XRP Ledger is at a critical juncture with a vote on a native lending protocol and a political deadline for the CLARITY Act, both on May 21st. ➤ The CLARITY Act aims to provide regulatory clarity by splitting digital asset oversight between the SEC and CFTC, potentially unlocking institutional capital. ➤ XRP is currently facing strong resistance at $1.45 due to a significant seller wall, with its price action dependent on the outcomes of both the technological and political developments.