--- title: "XRP Ledger lending feature amendment published before activation" language: en canonical: "https://whycoinmoves.com/en/events/ripple-c3a725dcbba069" published: 2026-10-20T05:23:30.000Z updated: 2026-10-20T07:26:11.000Z indexable: false --- # XRP Ledger lending feature amendment published before activation Attributed sources: [Decrypt]() ## Key facts Developers released a second amendment addressing the XRP Ledger's uncollateralized lending feature while the original amendment still awaits validator approval, according to Decrypt. No market price data is addressed in this evidence. News evidence score: 30/100 from 1 publisher group(s) (Decrypt); this measures source completeness, not truth or causation. After site detection, observed returns were 1 hour: -0.12% (difference from BTC +0.16 pp; 20/10/2026, 13:25 → 20/10/2026, 14:29, UTC+8; OKX · USDT). Unlisted windows are unavailable. In the preceding 30 days, the 99th percentile of absolute hourly returns was 2.29% (OKX · USDT; cutoff 20/10/2026, 13:23, UTC+8). This hourly baseline is not directly comparable with a minute move. ## Returns after site detection | Window | Return | BTC | Difference from BTC | Actual sampled interval (UTC+8) | Source | | --- | --- | --- | --- | --- | --- | | 5 minutes | — | — | — | — | — | | 1 hour | -0.12% | -0.27% | +0.16 pp | 20/10/2026, 13:25 → 20/10/2026, 14:29 | OKX · USDT | | 24 hours | — | — | — | — | — | ## Historical hourly baseline | Metric | Value | | --- | --- | | Ready | true | | Coverage | 99.9% (719/720) | | Median absolute hourly return | 0.27% | | 99th percentile of absolute hourly returns | 2.29% | | BTC beta | 1.44 | | Source / cutoff (UTC+8) | OKX · USDT / 20/10/2026, 13:23 | ## Claims and open questions - Decrypt reports that XRP developers published a second amendment to repair the ledger's new uncollateralized lending feature. - Decrypt reports that the original amendment still awaits validator approval. - Whether validators will approve either amendment and on what timeline. - What specific issues the second amendment corrects and whether independent reviewers have verified them. - Whether this development has any connection to market activity, which the evidence does not establish. ## Source evidence - [XRP Ledger Repairs Its Lending Protocol Before It Goes Live]() — Decrypt; published 20/10/2026, 04:46; received 20/10/2026, 13:23 (UTC+8). ## Recent XRP events and market reactions - [Full coin archive]() [Methods and limitations]() Publisher count is not independent evidence count. Price changes cannot verify news or prove causation.