The LendingProtocolV1_1 amendment, introduced in xrpld version 3.4.0 with 19 validator votes as of October 19, 2026, proposes closed-ended vault stages and recognizes interest revenue only when borrowers make payments.

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Echo Protocol users can process asset withdrawals, release collateral, exit strategy positions, and process unstaking claims through existing procedures.

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 announced on October 19, 2026, that it is winding down operations after nearly two years.

The Aptos-to-B² Bridge used for aBTC redemptions will remain available after Echo Protocol concludes its wind-down.

Echo Protocol responded to the May 2026 exploit by pausing cross-chain activity, updating smart contracts, and burning 955 eBTC traced to the attacker.

On September 15, 2026, Balancer published a forum proposal authored by former CEO Marcus Hardt to wind down the protocol and return treasury assets to BAL holders.

HypurrFi announced its operational wind-down on May 15, 2026, with Euler Finance maintaining its contract stack on the Hyperliquid EVM.

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 liquidation, creating risks and delays.

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

Under TokenLogic's proposed entry route, an approved counterparty supplies USAT to Aave V4's Tokenization Spoke to receive waUSAT receipt tokens before swapping them for GHO.

TokenLogic's October 15, 2026 proposal specifies zero swap fees for the module while leaving contract addresses for Avalanche USAT, waUSAT, reserve, commercial counterparties, and pricing strategies unspecified.

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.

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 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.

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.

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

Similar substitution patterns appeared when replacing ordinary deposit rates with certificate of deposit rates, and when testing stablecoins supplied to decentralized finance lending platforms.