XRP Ledger v3.1.0 Amendment 'fixBatchInnerSigs' Aims to Revolutionize On-Chain Lending

Jan 28, 2026, 6:02 p.m. 5 sources positive

Key takeaways:

  • The XRPL upgrade addresses a critical DeFi bottleneck, potentially accelerating institutional adoption of on-chain lending.
  • XRP's 1.4% gain reflects cautious optimism, but broader market sentiment will depend on successful amendment activation.
  • Node operators must upgrade to v3.1.0, highlighting ongoing technical execution risks for the network's stability.

The XRP Ledger (XRPL) has released a significant network upgrade with the launch of RippleD v3.1.0, introducing a critical amendment designed to bolster on-chain lending and decentralized finance (DeFi) applications. Crypto market expert Krippenreiter brought the update to the community's attention, highlighting the 'fixBatchInnerSigs' amendment as the key feature to watch.

This amendment directly addresses a signature validation issue discovered within the Batch transaction feature. For lending protocols, where a single atomic operation may need to check collateral, transfer funds, and update balances simultaneously, a reliable Batch function is essential. "Without a reliable Batch, lending flows risk partial execution, and institutions hesitate due to security or reliability concerns," the analysis notes. The fix patches this bug, making Batch transactions secure and trustworthy, thereby enabling more robust and scalable on-chain lending solutions on the XRPL.

The v3.1.0 release includes other critical fixes and improvements that enable follow-up functionality from the previous v3.0.0 version. XRP node operators on versions below 3.0 are strongly urged to upgrade to v3.1.0, as failure to do so will result in an inability to communicate with the network.

This update is part of XRPL's ongoing improvement journey. It follows five other amendments announced in December 2025, including 'fixPriceOracleOrder', 'fixTokenEscrowV1', 'fixAMMClawbackRounding', 'fixIncludeKeyletFields', and 'fixMPTDeliveredAmount'. These collectively address price oracle management, accounting errors, and metadata fields to enhance network reliability. XRP validator Vet noted that a significant portion of these amendments is nearing activation.

Coinciding with the amendment's announcement, XRP's price showed positive momentum, increasing by 1.4% in the past 24 hours to $1.9, with a market capitalization of $116.6 billion.

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