Jazzi Cooper, former head of product at RippleX, stated this week that using XRP as collateral for institutional credit represents a genuine « killer use case » for the token. This capability is enabled by the XLS-65 and XLS-66 lending protocol, now live on the XRP Ledger, allowing market makers and institutional traders to secure credit lines by posting XRP without liquidating their positions. The protocol introduces Single Asset Vaults with fixed-term, fixed-rate lending. The ecosystem has already accumulated a combined volume of nearly $1.8 billion through institutional partners such as Clearpool and Cicada Partners, while Lending Protocol v1.1 will deploy next week with XRPL version 3.4.0. XRP trades around $1.37, with key resistance at $1.55 that, if broken, could open the path toward the all-time high of $3.66.
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