The XRP Ledger's fixCleanup3_4_0 amendment corrects asset calculations used when issuers recover tokens from trading pools and when users deposit or withdraw from asset vaults

Financial services rebuilt as onchain protocols, offering lending, trading, derivatives and yield without traditional intermediaries.

How blockchain protocols make collective decisions about upgrades, funding, and rules, whether through on-chain voting, off-chain social consensus, or foundation stewardship.