Proposals to add native lending and confidential transfer capabilities to the XRP Ledger are progressing but have not yet reached the validator support required for activation. According to the latest tally, the XRPL lending proposal has received support from 19 validators, while the confidential transfers feature is backed by 22 validators.
Despite this support, both features remain below the required activation threshold, meaning they will not go live until additional validators approve the changes. The lending feature would expand XRP Ledger’s DeFi functionality by allowing on-chain lending arrangements, while confidential transfers are designed to improve privacy for certain transactions. The outcome now depends on further validator votes.
