By Isaac • September 17, 2026 11:08 pm •
The XRP Ledger’s next lending design is taking a more structured approach to a basic question: how long should depositors expect their assets to remain committed?
CryptoSlate says new loan brokers would be tied to closed-ended vaults. Each vault would move through defined fundraising, investment and redemption periods, with the schedule fixed when the vault is created.
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That structure matters because funds would not remain continuously withdrawable. During the investment period, deposits could be committed to loans and withdrawals would be blocked until the vault reaches its redemption window.
The available duration could range from a short deployment to a long-dated institutional structure, depending on the terms set at creation.
The revised design tries to make
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