# XRP Ledger Lending Proposals Remain Below 80% Validator Threshold By Simon Yoon Canonical URL: https://www.tokenpost.com/news/technology/56814 Published: 2026-11-13T15:10:35.000Z Updated: 2026-11-13T15:10:35.000Z Section: Technology > As of Nov. 12, LendingProtocol had 22 votes and SingleAssetVault had 23 among 35 trusted validators. Neither had begun the required 14-day approval period. Two [XRP Ledger lending proposals]() remain short of the validator support needed to start a 14-day approval period, leaving the network’s planned on-ledger loan system inactive as of Nov. 12. The Nov. 12 tally showed 22 of 35 trusted validators supporting LendingProtocol, or 62.86%, and 23 supporting SingleAssetVault, or 65.71%. Each amendment must exceed 80% support and sustain it for 14 consecutive days before activation. Neither had begun that period. SingleAssetVault is designed to pool deposits of one asset type. LendingProtocol would use that liquidity for fixed-term loans under set terms and automatic repayment rules. The proposed loans would be uncollateralized, with underwriting and risk management handled off-ledger. Each amendment must first exceed the validator-support threshold, then maintain that level for 14 days before it can activate. ## Links in this article - [XRP Ledger lending proposals](https://www.tokenpost.com/news/technology/27540)