"Don't sell XRP…Attention on Ripple Ledger institutional infrastructure"

Interest is growing among XRP holders about changes to the XRP Ledger (XRPL) infrastructure. In particular, with discussions around a new lending protocol aimed at institutional use, there is a reassessment of long-term holding strategies.

According to a NewsBTC report on the 24th (local time), crypto market analyst Brad Kimes said on X, "Never sell XRP," and emphasized that attention should be paid to the upcoming XRPL lending protocol. He operates under the name Digital Perspectives.

Kimes' comments were in response to an XRPL lending protocol proposal published by Ripple software engineer Ed Hennis. The proposal is characterized by supporting fixed-term, fixed-rate, screening-based loans at the XRP Ledger protocol level, and being operated by validator consensus rather than a smart contract layer.

Hennis explained that this structure provides clear contract terms, predictable interest rates, and explicit approval procedures that meet the standards required by actual institutional investors. Accordingly, some market participants view using XRP as collateral to obtain loans as a realistic option rather than selling XRP.

Unlike existing DeFi lending, the XRPL lending protocol adopts a structure that separates each loan into a Single Asset Vault. This is intended to prevent the risk of one loan propagating to other loans and to mitigate structural vulnerabilities of DeFi platforms that have arisen during market volatility.

The protocol also moves away from existing on-chain lending methods that demand excessive collateral and concurrently adopts low-collateral or uncollateralized loan models subject to institutional screening. Hennis presented use cases similar to real-world finance, such as market makers borrowing XRP or RLUSD for inventory and arbitrage or payment service providers using RLUSD for merchant instant settlement. The feature is scheduled to be put to a vote at the end of January 2026, and final adoption depends on the decision of XRP Ledger validators.