The XRP Ledger is preparing a change to its lending protocol so that the remaining balance matches the repayment schedule after each payment. Under the LendingProtocolV1_2 amendment, each on-time payment reduces the total outstanding value to the calculated periodic amount, with one fewer payment required. The final repayment will exactly match the rounded periodic amount, while each intermediate payment’s value will be limited to its floor or ceiling. The change has limited effects for users, as it generally affects only the extra unit that may have been due on the final payment. Its activation remains uncertain: it requires 80% validator agreement for two consecutive weeks, and no public vote has been announced so far.
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