XRPL Maintenance Nears October 23 Activation

An XRP Ledger maintenance amendment is approaching activation around October 23, 2026, according to CryptoNews, while associated lending and vault proposals remain separate votes that have not yet met approval thresholds.

The fixCleanup340 amendment package groups corrections to transaction behavior across Single Asset Vaults, the Lending Protocol, automated market makers, the permissioned decentralized exchange, trust lines, NFTs, escrow, sponsorship, transaction signing, and permission delegation. A snapshot counted 29 validator votes for the fixes, while the LendingProtocol proposal held 19 votes—10 short of the threshold—and the SingleAssetVault proposal was eight votes short.

Voting Requirements and Timetable

XRPL amendment rules require more than 80% support from trusted validators for two consecutive weeks before a change becomes active. Periodic flag ledgers check support roughly every 15 minutes. A subsequent market update identified an approximate 09:34 UTC time on October 23 for the fixes, contingent on continuing supermajority support.

Lending and Vault Design

The base lending design permits depositors to place assets into a shared onchain vault where a loan broker arranges fixed-term borrowing. According to XRPL documentation, the LendingProtocol amendment provides loan mechanics for uncollateralized or underwritten loans, relying on offchain credit judgment rather than automatic liquidation mechanics found in overcollateralized decentralized finance.

Version 3.4.0 release notes introduced LendingProtocolV1_1 as a revision featuring closed-ended vaults and cash-basis accounting. These proposed mechanics establish specific phases for subscriptions, investment, and redemption to address liquidity constraints for fixed-term lending pools.

Key facts

• The fixCleanup340 amendment is approaching activation around October 23, 2026.
• A snapshot recorded 29 validator votes for the maintenance package, satisfying the supermajority requirement.
• The LendingProtocol proposal recorded 19 votes in the same snapshot, remaining 10 votes short of activation.
• XRPL amendments require more than 80% support from trusted validators for two consecutive weeks.