DeFi

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Yield

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 <h3 id="evernorth-s-xrp-lending-play-could-unlock-100b-and-redefine-yield-on-the-xrpl">Evernorth’s XRP Lending Play Could Unlock $100B and Redefine Yield on the XRPL</h3>
 <p>A major shift could be taking shape on the XRP Ledger (XRPL), one focused on putting idle liquidity to work.</p>
 <p>Market analyst Diana reports that treasury firm Evernorth is preparing to<a href="https://x.com/InvestWithD/status/2037811991709208994" rel="noopener noreferrer nofollow"><span> introduce native XRP lending</span></a> directly on the XRPL, a move that could unlock up to $100 billion in sidelined capital.&nbsp;</p>
 <p>At the core of this initiative is the proposed XLS-66 amendment, which embeds a fully integrated lending framework into the ledger itself, eliminating the need for external smart contracts.</p>
 <p>Evernorth’s 473 million XRP treasury positions it as a leading liquidity provider in the emerging XRPL lending ecosystem.&nbsp;</p>
 <p>Even more significant, XLS-66 promises a seamless, on-chain lending framework built for institutional-scale participation.</p>
 <p>The proposal enables users to access single-asset XRP vaults, fixed-term, fixed-rate loans, and automated on-chain repayments, all natively on the XRPL. Privacy is protected through zero-knowledge proofs, ensuring confidentiality without compromising transparency.&nbsp;</p>
 <p>Crucially, the system removes the need for bridging or wrapping assets, streamlining DeFi operations and cutting traditional friction and risk.</p>
 <p>For institutions, this marks a potential turning point where XRP liquidity can now be deployed entirely within the ledger, eliminating reliance on third-party infrastructure and reducing both counterparty and custody risks.</p>
 <h3 id="from-payments-to-yield-xrpl-s-xls-66-could-redefine-xrp-s-financial-role">From Payments to Yield: XRPL’s XLS-66 Could Redefine XRP’s Financial Role</h3>
 <p>XRPL is raising the bar for blockchain security by integrating AI-driven systems that detect and neutralize vulnerabilities before they reach production.&nbsp;</p>
 <p>Embedding these safeguards directly into the protocol positions the network as a proactive leader in preventing exploits at a time when threats remain a constant industry challenge.</p>
 <p>XLS-66 is not live yet, it's still in the validator voting phase and needs an 80% supermajority to activate. Until then, the proposed native lending framework remains a future prospect rather than an active feature.</p>
 <p>The timing is notable. Over 50% of XRPL activity now comes from payments, with stablecoin usage accelerating rapidly. RLUSD has emerged as a major driver of transaction volume, and total stablecoin supply on the network has surpassed $570 million since December.</p>
 <p>If approved, XLS-66 could usher in a new era for XRPL, transforming XRP from a liquidity bridge into a productive financial asset and making yield generation as central to the network as payments.</p>
 <h3 id="conclusion">Conclusion</h3>
 <p>If approved, XLS-66 could redefine value flow on the XRP Ledger. By enabling native, secure, institution-ready lending, Evernorth is turning idle XRP into productive capital, signaling a shift from passive liquidity to active yield generation.&nbsp;</p>
 <p>While validator approval is still required, the trajectory is clear: XRPL is evolving from a payments network into a full-fledged financial ecosystem where XRP works at scale.</p>
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Evernorth is Set to Drop Native XRP Lending on XRPL, Tapping a $100B Opportunity

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