As of October 18, 2026, TokenLogic's public Aave proposal outlines a Snapshot vote followed by an implementation proposal as its next governance steps.

Overview Debates Related claims Topics Sources

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

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.

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.

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.

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

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 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.

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.

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.

Echo Protocol left the dates for final collateral liquidation and the distribution of proceeds unconfirmed during its wind-down announcement.

Echo Protocol stated that its Aptos systems showed no direct compromise during the May 2026 exploit and did not link the October 2026 shutdown to that incident.