The XRP Ledger SingleAssetVault amendment (XLS-65), designed to store deposited assets for lending, held 21 validator votes as of October 19, 2026, leaving it eight votes short of approval.

Overview Debates Related claims Topics Sources

Solana validators approved the SIMD-0326 proposal implementing Alpenglow in September 2025 with over 98% voting in favor

Following Alpenglow, developers at Jump Crypto proposed removing Solana's 60 million compute-unit block limit to let block size scale with validator hardware

Balaji Srinivasan proposed requiring blockchain users to consent in advance to network state rollbacks if a cryptographic signature scheme is broken

Syrup provides yield-bearing collateral tokens, including Syrup USDC and Syrup USDT, across decentralized money markets

Haseeb Qureshi proposed deploying a validator kill switch that forces blockchain addresses into cryptographic recovery mode without requiring hard fork upgrades

Syrup's institutional lending protocol secured an integration with the Kraken cryptocurrency exchange

Morpho powers the Robinhood Savings vault, allocating 20% of vault deposits to Syrup and the majority to Ethena

Echo Protocol required debt repayment by November 14, 2026, and set November 19, 2026, at 23:59 UTC as the final deadline for repayments, withdrawals, and unstaking before collateral liquidation, creating risks and delays

Withdrawal and repayment processes for Echo Protocol lending, liquid staking derivative, and strategy positions began at 00:00 UTC on October 19, 2026.

Echo Protocol halted new lending deposits, borrowing, strategy deposits, liquid staking, and interest accrual on lending positions.

TokenLogic's proposed Aave stability module requires approval for every swap, and revoking access prevents subsequent swaps, including attempts to recover previously deposited waUSAT receipt tokens after exchanging them for GHO.

TokenLogic submitted an October 15, 2026 governance proposal to introduce a permissioned GHO Stability Module for USAT on Aave V4 on Avalanche.

Security firm Certora completed a formal specification and verification of the market contract for Templar, a lending protocol deployed on NEAR Protocol, on March 30, 2026.

An amendment to XRP Ledger rules, such as fixCleanup3_4_0, requires continuous approval from over 80% of the network's 35 default trusted validators—at least 29 votes—for two consecutive weeks before activating

Under Ripple's proposed uncollateralized lending protocol, LendingProtocol (XLS-66), pitched to payment companies since June 2026, depositors pool assets into vaults and offchain loan brokers determine borrower eligibility without on-chain collateral requirements

Ripple's proposed LendingProtocol amendment (XLS-66) held 19 of 35 validator votes as of October 19, 2026, leaving it 10 votes short of the 29 needed for activation.

The fixCleanup3_4_0 package updates vault asset rounding calculations, loan default criteria, and cryptographic signature role prefixes to prevent signature reuse across different roles.

The fixCleanup3_4_0 amendment closes a loophole that could allow account roles authorized only to burn tokens to create new tokens under specific conditions.

The XRP Ledger fixCleanup3_4_0 amendment reached 29 validator votes on October 9, 2026, and held 29 on October 19, 2026, tracking activation around 09:34 UTC on October 23, 2026, with a single validator withdrawal restarting its 14-day countdown.

Even if the LendingProtocol proposal reached 29 validator votes immediately, the required two-week voting period prevents the lending feature from activating before early November 2026.