Chad Steingraber, a well-known figure in the crypto space, has shared a brief message about the lending protocol coming to the XRP Ledger (XRPL). He suggested that anyone who thinks XRP’s future is big should think bigger. How the XRP Ledger Lending Protocol Works The XRP Ledger lending protocol is designed to function directly on the XRPL. Loans are created on the ledger rather than through external smart contracts. Each loan has fixed terms and a fixed duration. Interest rates are set at creation and do not fluctuate. A defining feature of the protocol is segregation. Each loan exists inside its own Single Asset Vault, known as an SAV. The vault holds only one asset, such as XRP or RLUSD. Assets from different loans do not mix. Risk stays contained within the individual credit facility. XRP Ledger Loans are coming. You might think the future is big. Think even bigger. https://t.co/RyDTVlctcx pic.twitter.com/d5jF31LLPC — Chad Steingraber (@ChadSteingraber) December 21, 2025 Edward Hennis, a Staff Software Engineer at Ripple, explained this structure clearly, stating that each loan sits inside its own SAV and isolates risk to that specific facility. The protocol also allows for a loan administrator or broker to oversee lending, borrowing, servicing, and fees. This structure aligns more closely with traditional credit markets than pooled DeFi lending models. The Lending Structure Steingraber attached an image showing the system’s structure. It shows a lending protocol connected to a Single Asset Vault. Together, they form an end-to-end lending setup on the XRPL. Inside the vault is XRP, and the system has a loan manager responsible for administering the loan. Asset custody remains isolated, and loan management operates at the protocol layer. The image makes clear that lending on XRPL is not based on shared liquidity pools . Each loan stands alone. This design reduces cross-exposure between loans, keeping failures contained within individual vaults. Why Steingraber’s Message Matters for XRP Steingraber’s post focused on scale. By pointing to lending coming directly to the XRPL, he highlighted an expansion of XRP’s on-ledger utility . Native lending introduces structured credit activity without relying on external platforms. His message positioned XRP as a network evolving toward more complex financial functions while keeping those functions embedded at the protocol level. Many experts believe the crypto world is not ready for the upcoming XRP surge , and developments like this add to the bullish sentiment surrounding the asset. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Expert: If You Think Future XRP’s Big, Think Even Bigger. Here’s why appeared first on Times Tabloid .
