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The XRP Ledger lending protocol amendment is currently under vote. In January, Version 3.1.0 of rippled—the reference server implementation of the XRP Ledger protocol—was released with features including single asset vaults and the lending protocol. However, voting progress for the lending protocol has been gradual, with only 17.14% gained in consensus, according to XRPScan.
As of now, the lending protocol amendment is 62.86% away from the required 80% threshold needed for an amendment to enter an activation phase.
Alongside the lending protocol amendment, the XLS-65 specification indicates that a single asset vault is also being watched. That single asset vault is slowly gaining support, currently at 22.85% consensus.
A critical bug was recently found in the proposed XRPL Batch amendment. The issue may help explain the slower voting response for other amendments as they are tested, rather than being rushed forward.
The XRP Ledger amendment system relies on the consensus process to approve changes that affect transaction processing on the network. For an amendment to pass, it must receive more than 80% support for two weeks.
In the case of the lending protocol, an additional 62.86% in validator support is needed to reach the majority threshold required for it to proceed.
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