XRP Ledger publishes a second amendment to repair its uncollateralized lending protocol; both amendments must pass with 80% validator support over two weeks, enabling on-chain loans via off-chain underwriting. Abstract: XRP Ledger developers announced a second amendment to repair the platform’s uncollateralized lending protocol, which relies on off-chain underwriting and broker-provided first-loss capital rather than automated on-chain collateral. The amendments require at least 80% support from trusted validators over a two-week period before activation, with the network adopting the repaired version from launch. This pre-launch effort follows a recent fix for a dormant payment-engine bug that could have allowed an attacker to mint counterfeit XRP, highlighting ongoing security and resilience improvements alongside new lending capabilities using pooled funds.

Germany’s savings banks will enable cryptocurrency trading in their mobile banking app starting October 19, initially supporting five assets: BTC, ETH, XRP, SOL, and POL, but no stablecoins or meme coins. DekaBank will execute trades, with custody provided by Boerse Stuttgart. The trading fee is €0.99 per transaction. DSGV expects an average of 30–40 banks to join each month; around 230 have expressed interest. The rollout is expected to be largely complete in the first half of 2027, potentially reaching around 50 million customers.