Proposal Pinjaman XRPL Membuka Pintu untuk Kredit Institusional di XRP Ledger

bitcoinistPublished on 2026-07-01Last updated on 2026-07-01

Abstract

**TL;DR:** Proposal pinjaman XRPL membuka pintu bagi kredit institusional di XRP Ledger. Amandemen XLS-65 (Brankas Aset Tunggal) dan XLS-66 (Protokol Pinjaman) kini terbuka untuk voting di mainnet, memerlukan konsensus 80% selama 14 hari untuk diaktifkan. Poin kunci: persetujuan kredit dan underwriting tetap terjadi di luar rantai (off-chain); protokol di ledger hanya menangani logika penyelesaian, pelayanan pinjaman, dan akrual bunga. **Apa yang Terjadi:** Proposal ini menandai perkembangan signifikan bagi XRPL, memperluas fungsinya melampaui pembayaran ke infrastruktur kredit yang lebih kompleks. Dengan 7 dari 35 validator (20%) telah menyetujui, jalannya voting akan menjadi sinyal penting bagi pasar mengenai pergeseran selera risiko dan adopsi institusional. **Mengapa Penting bagi Trader:** Ini bukan sekadar berita harga. Pengembangan seperti ini cenderung memengaruhi sentimen dan likuiditas di aset kripto terkait lainnya, seperti Bitcoin dan altcoin. Dalam pasar yang didorong aliran ETF dan leverage, memahami konteks struktur pasar sangat krusial. **Peringatan:** Pasar kripto sering menyederhanakan satu titik data menjadi narasi luas. Proposal ini adalah **sinyal**, bukan jaminan. Mekanisme inti pemberian kredit (siapa yang layak meminjam) tetap diserahkan kepada pihak di luar rantai, sehingga risiko kredit tradisional masih berlaku. **Langkah Selanjutnya:** Pantau apakah konsensus validator mencapai 80%. Amati juga metrik lanjutan seperti aliran on-chain, posisi deri...

TL;DR

  • Amandemen XLS-65 (Brankas Aset Tunggal) dan XLS-66 (Protokol Pinjaman) secara resmi terbuka untuk voting di mainnet, dengan konsensus saat ini sebesar 20% (7 dari 35 validator). Membutuhkan konsensus 80% selama 14 hari untuk diaktifkan.
  • Peringatan utama: Tekankan bahwa persetujuan dan underwriting kredit tetap berada di luar rantai (off-chain); protokol native di ledger hanya mengelola logika penyelesaian, pelayanan pinjaman, dan akrual bunga.
  • Bagi para pedagang (trader), kisah ini penting karena mempengaruhi bagaimana modal, likuiditas, atau kepercayaan sedang dinilai di seluruh kripto saat ini.

Apa yang Terjadi

Proposal Pinjaman XRPL Membuka Pintu untuk Kredit Institusional di XRP Ledger. Pembaruan ini berasal dari Bitcoin.com, dengan klaim inti yang diperiksa terhadap blog XRPL Dev – Amandemen XLS-65 & XLS-66 / portal voting Amandemen XRPScan. Hal ini penting karena ini adalah jenis berita yang bisa dengan cepat menjadi berisik jika diperlakukan sebagai headline harga sederhana alih-alih perkembangan struktur pasar.

Amandemen XLS-65 (Brankas Aset Tunggal) dan XLS-66 (Protokol Pinjaman) secara resmi terbuka untuk voting di mainnet, dengan konsensus saat ini sebesar 20% (7 dari 35 validator). Membutuhkan konsensus 80% selama 14 hari untuk diaktifkan. Pembacaan yang jelas bukanlah bahwa satu titik data seharusnya mendominasi seluruh pasar, tetapi bahwa sinyal terbaru memberi pedagang rasa yang lebih baik tentang ke mana selera risiko bergeser. Di pasar yang masih didorong oleh arus ETF, leverage, keputusan treasury, dan likuiditas altcoin yang berputar, konteks memainkan peran yang besar.

Mengapa Ini Penting bagi Pedagang Kripto

Proposal pinjaman ini penting karena menggerakkan XRPL melampaui bahasa pembayaran dan masuk ke infrastruktur kredit yang lebih institusional. Proposal ini tetap membiarkan underwriting di luar rantai (off-chain), yang sangat penting. Ledger akan menangani mekanisme penyelesaian dan pinjaman daripada memutuskan siapa yang layak mendapat kredit.

Kesimpulan praktisnya adalah bahwa ini bukan hanya tentang aset headline. Kisah-kisah seperti ini cenderung meluas ke perdagangan terkait: nama-nama treasury Bitcoin dapat mempengaruhi sentimen altcoin, data aliran ETF dapat membentuk posisi institusional, dan metrik jaringan spesifik token dapat mengubah cara pedagang berpikir tentang dukungan, permintaan, dan penawaran. Ketika likuiditas tipis, efek orde kedua itu bisa menjadi hampir sama pentingnya dengan berita aslinya.

Peringatan yang Perlu Diingat

Tekankan bahwa persetujuan dan underwriting kredit tetap berada di luar rantai; protokol native di ledger hanya mengelola logika penyelesaian, pelayanan pinjaman, dan akrual bunga. Itulah garis yang harus pembaca ingat di depan dan tengah. Pasar kripto sangat mahir dalam mengambil satu titik data sempit dan mengubahnya menjadi narasi luas dalam hitungan menit. Pembacaan yang lebih baik biasanya lebih terukur: ini adalah sinyal, bukan jaminan.

Misalnya, arus keluar tidak secara otomatis berarti pemegang jangka panjang telah kehilangan keyakinan. Peringatan tata kelola tidak berarti jaringan rusak. Pembukaan kuncian token tidak berarti setiap koin yang dilepaskan sedang dibuang di pasar. Dan pergeseran derivatif tidak berarti harga harus mengikuti dalam garis lurus. Bagian yang berguna adalah memahami apa yang dikatakan sinyal tentang posisi, kepercayaan, dan insentif.

Apa yang Harus Diperhatikan Selanjutnya

Langkah selanjutnya adalah memperhatikan apakah data terus mengkonfirmasi kisah tersebut. Jika pola yang sama muncul di seluruh arus tindak lanjut, metrik on-chain, open interest, dashboard tata kelola, atau pengajuan resmi, itu menjadi tema pasar yang lebih tahan lama. Jika memudar dengan cepat, itu mungkin akhirnya terlihat seperti ketakutan posisi jangka pendek alih-alih pergeseran struktural.

Perbedaan itu sangat penting di pasar saat ini. Pedagang masih berusaha mencari tahu apakah modal benar-benar meninggalkan kripto, berputar ke aset kripto yang lebih aman, atau hanya duduk di stablecoin menunggu entri yang lebih bersih. Kisah ini menambahkan satu lagi potongan ke teka-teki itu, tetapi harus dibaca bersama kondisi likuiditas, makro, dan derivatif yang lebih luas.

Laporan ini didasarkan pada informasi dari Bitcoin.com dan blog XRPL Dev – Amandemen XLS-65 & XLS-66 / portal voting Amandemen XRPScan.

Artikel ini ditulis oleh News Desk dan disunting oleh Samuel Rae.

Sumber: XRPScan

Trending Cryptos

Related Questions

QApa yang dimaksud dengan XLS-65 dan XLS-66 dalam konteks XRP Ledger?

AXLS-65 (Single Asset Vaults) dan XLS-66 (Lending Protocol) adalah dua proposal amandemen atau perubahan pada jaringan XRP Ledger yang kini terbuka untuk pemungutan suara di mainnet. Mereka bertujuan untuk memperkenalkan fungsi penyimpanan aset tunggal dan protokol pinjaman asli di ledger.

QBerapa konsensus yang dibutuhkan dan sudah tercapai untuk mengaktifkan amandemen XLS-65 dan XLS-66?

AUntuk diaktifkan, amandemen ini membutuhkan konsensus setidaknya 80% dari validator (28 dari 35 validator) selama 14 hari berturut-turut. Saat artikel ditulis, konsensus yang tercapai baru sekitar 20% (7 dari 35 validator).

QMengapa proposal pinjaman ini penting bagi pedagang aset kripto menurut artikel?

AProposal ini penting karena menggeser fokus XRP Ledger dari sekadar bahasa pembayaran menuju infrastruktur kredit yang lebih kelembagaan. Hal ini dapat memengaruhi bagaimana modal, likuiditas, dan kepercayaan dinilai di seluruh pasar kripto, serta berpotensi menciptakan efek berantai pada aset terkait lainnya.

QApa batasan atau peringatan utama dari protokol pinjaman yang diusulkan ini?

APeringatan utamanya adalah bahwa persetujuan kredit dan underwriting (penilaian kelayakan peminjam) akan tetap terjadi di luar rantai (off-chain). Protokol asli di dalam ledger hanya akan menangani logika penyelesaian (settlement), pelayanan pinjaman, dan akrual bunga.

QApa yang harus diperhatikan selanjutnya terkait perkembangan proposal ini menurut penulis?

ALangkah selanjutnya adalah mengamati apakah data lanjutan (seperti aliran dana, metrik on-chain, minat terbuka, atau pengumuman resmi) terus mengonfirmasi tren ini. Jika iya, itu bisa menjadi tema pasar yang lebih tahan lama. Jika tidak, mungkin hanya fluktuasi jangka pendek. Perkembangannya harus dibaca bersama kondisi likuiditas, makro, dan derivatif yang lebih luas.

Related Reads

Want to Get Freebies from Robinhood Chain? Which Ecosystem Projects Are Worth Watching?

**Title: Want to Get the Robinhood Chain Airdrop? Which Ecosystem Projects Are Worth Watching?** **Summary:** Robinhood Chain, a key part of Robinhood's push into Layer 2, aims to build a comprehensive ecosystem covering stock tokens, RWAs, perpetual contracts, and spot trading. With its mainnet launch on July 2, 2026, came a 90-day gas fee waiver for swaps, cross-chain transactions, and Perp trading. While the ecosystem's TVL was still modest at around $76.73 million as of July 6, 2026, several early projects present potential opportunities. Key projects highlighted include: * **Arcus:** A stock token and crypto DEX built by dYdX Labs and Robinhood Crypto, focusing on spot and perpetual contracts. Future ARCUS tokens are expected to prioritize the existing dYdX community. * **Lighter:** A ZK-powered decentralized perpetual and spot exchange deployed on Robinhood Chain. It has committed $11 million worth of LIT tokens to the Robinhood community, with users earning points (and double points via Robinhood Wallet) for trading, convertible to LIT. * **Morpho:** Integral to the newly launched "Robinhood Earn" program in the US, where user-supplied USDG stablecoins are lent out via Morpho vaults, targeting a 7% APY. * **Rialto:** An on-chain spot exchange supporting crypto, stocks, ETFs, and commodities. It will initially list over 90 Robinhood stock tokens and uses a "propAMM" system where market makers provide quotes from their own inventory. * **Arrakis:** A non-custodial, on-chain market maker protocol for token issuers to manage concentrated liquidity on DEXs. * **Meridian:** A platform on Robinhood Chain focusing on RWA perpetual contracts and prediction markets, settled in USDe. It rebranded from Ethereal and had previously planned to allocate 15% of its future governance tokens to ENA stakers. * **Native:** An on-chain price discovery and execution system recently deployed on Robinhood Chain, though the team has stated there are no current plans for a token launch. The article emphasizes that this is not investment advice and urges participants to conduct their own research (DYOR).

Foresight News5m ago

Want to Get Freebies from Robinhood Chain? Which Ecosystem Projects Are Worth Watching?

Foresight News5m ago

End of Correction or Continuation of Trend: Technical Structure Review of BTC and HYPE | Guest Analysis

**Weekly Technical Analysis: BTC & HYPE Structure Review** This analysis covers the multi-timeframe technical structure for Bitcoin (BTC) and HYPE. **Bitcoin (BTC) Analysis:** BTC's correction from its May 6 high has formed a clear four-segment pattern on the daily chart. The market is currently in a (3-4) rebound phase. The key determinant for the short-term trend is the endpoint of this rebound ("Endpoint 4"): * **Path 1 (Preferred Scenario):** If the rebound surpasses the $65,700 resistance, subsequent pullbacks are less likely to break the key support at $57,820 (July 1 low). This would suggest a transition into a consolidating range, building energy for a potential bullish reversal. * **Path 2:** Failure to reach $65,700, or even $64,500, increases the probability of a breakdown below $57,820, continuing the downtrend. The 4-hour chart shows a completed five-wave decline from June 15, culminating in a momentum divergence at the low, which supported the recent bounce. **BTC Weekly Outlook & Strategy (Jul 6-12):** * **Core View:** Focus on the high point of the daily rebound from $57,820. * **Key Levels:** * Resistance: $64,500-$65,700; $67,300; $69,500-$71,000. * Support: $60,950-$62,300; $57,820; $55,000. * **Strategy:** * **Mid-term:** Maintain ~20% short position. Consider increasing shorts to <50% if price stalls in the $65,700-$67,300 zone with confirming model signals. * **Short-term:** Use 30% capital for swing trades between support/resistance. * **Plans:** * **Plan A (Short):** Enter shorts (~30%) if price is rejected at $65,700-$67,300. * **Plan B (Long):** Enter longs (~15%) only if price breaks above $65,700 first, then pulls back and finds support near $57,820. **HYPE Analysis:** The rebound from the June 25 low has developed a seven-segment structure on the 4-hour chart. Price is approaching the historical high zone near $76.94. Internal models have triggered top warnings, suggesting caution against chasing the rally and highlighting near-term pullback risks. **HYPE Weekly Outlook & Strategy:** * **Core View:** Observe price action in the $75-$76.94 resistance area. * **Key Levels:** * Resistance: $75-$76.94; $80. * Support: $68; $65.5; $60.5-$61.5. * **Strategy:** Prioritize profit-taking and risk management. If holding longs, consider moving stop-loss to ~$68 to protect gains. Close positions promptly on signs of a downturn. **Trade Recap:** A recent short-term long trade in HYPE, entered at $64 based on model buy signals and exited at ~$70.55 on sell signals, yielded a profit of approximately 10.23%. **General Risk Management:** Always set an initial stop-loss. Move stop-loss to breakeven at +1% profit, and trail it upwards by 1% for every subsequent 1% gain to lock in profits. *Disclaimer: Market conditions change rapidly. All analysis, models, and strategies presented are for educational/log purposes only and do not constitute investment advice. Trade at your own risk.*

Odaily星球日报14m ago

End of Correction or Continuation of Trend: Technical Structure Review of BTC and HYPE | Guest Analysis

Odaily星球日报14m ago

Is Anyone Still Buying in the Crypto Market? Unpacking 3 Common Watch-and-Wait Mentalities Today

Is Anyone Still Buying in the Crypto Market? Unpacking 3 Common Wait-and-See Mindsets This article analyzes the current cautious sentiment in the crypto market, distilled from conversations with sophisticated investors. The author identifies three dominant investor mindsets: 1. **Satisfied with Current Holdings:** Many retain a long-term belief in digital assets but see no immediate catalyst for significant price appreciation. They hold positions to avoid missing a future surge but allocate minimal new capital or attention. A shift requires a new, observable catalyst or a rotation from other portfolio areas. 2. **Waiting for Lower Prices:** This reflects not just short-term timing but a belief about crypto's total addressable market and upside potential. It could change if key perceived cycle bottoms pass without a crash, a major bullish event occurs (e.g., sovereign adoption), or price rebounds trigger FOMO-driven buying. 3. **High Opportunity Cost of Allocation:** The core question is comparative growth. With AI-related equities appearing to offer relentless, high-speed growth, justifying marginal investment into assets without similar perceived momentum is difficult. A slowdown in the AI trade could potentially mark a bottom and trigger capital reallocation into crypto. In conclusion, while long-term conviction persists for many, near-term marginal capital flows are constrained by these beliefs. The author suggests the market may be closer to a bottom than a top, but the current climate is defined by this wait-and-see approach, awaiting a catalyst to reignite broader investor commitment.

marsbit1h ago

Is Anyone Still Buying in the Crypto Market? Unpacking 3 Common Watch-and-Wait Mentalities Today

marsbit1h ago

Trading

Spot

Hot Articles

What is XRP 2.0

XRP 2.0: A New Frontier in the Cryptocurrency Landscape Introduction to XRP 2.0 In the ever-evolving realm of cryptocurrency, new projects continuously emerge, vying for attention and adoption. One such promising initiative is XRP 2.0, a novel cryptocurrency project designed to leverage advanced blockchain technology and robust encryption methodologies. While the name draws parallels with Ripple’s XRP, it’s crucial to note that XRP 2.0 operates independently, focusing on enhancing transaction security, privacy, and scalability. As the digital financial landscape increasingly embraces decentralized solutions, XRP 2.0 aims to contribute meaningfully to web3 and the overall expansion of crypto projects. What is XRP 2.0? At its core, XRP 2.0 is a cryptocurrency project that aims to create a secure and decentralized digital currency ecosystem. Its foundational technology integrates sophisticated blockchain principles with cutting-edge encryption techniques. The overarching goal of XRP 2.0 is to establish itself as a reliable and efficient platform enabling swift transaction execution while prioritizing enhanced privacy protections for its users. The project is promoted as a solution to many limitations faced by existing cryptocurrencies, proposing a system that can handle a higher volume of transactions with improved speed and privacy. This versatility positions XRP 2.0 as a significant contender in a marketplace riddled with various digital currencies. Who is the Creator of XRP 2.0? The identity of the creator behind XRP 2.0 has been flagged as ‘Wilbur.’ However, comprehensive details regarding Wilbur or their associated entity remain elusive. The anonymity of many cryptocurrency creators is not an uncommon phenomenon in the industry, often designed to maintain a degree of privacy and security. Who are the Investors of XRP 2.0? As of now, specific information related to the investment foundations or organizations supporting XRP 2.0 is not publicly available. In the cryptocurrency sector, the backing by reputed investors can significantly influence a project's credibility and success, yet the transparency regarding the financial supporters of XRP 2.0 has not been established. How Does XRP 2.0 Work? XRP 2.0 stands out by employing a combination of blockchain technology and advanced encryption algorithms that ensures secure and decentralized transactions. Its innovative structure includes unique features designed to foster user engagement and broaden functionalities beyond conventional cryptocurrency transactions. Among these features, XRP 2.0 incorporates AI-powered capabilities, such as text-to-image and text-to-speech functionalities. These additions are designed to enhance the interactive experience for users, promoting broader applicability across various sectors. By bridging technological advancements with user-centered design, XRP 2.0 aims to capture the attention of a diverse range of individuals and enterprises looking to integrate cryptocurrency solutions into their operational frameworks. Timeline of XRP 2.0 Understanding XRP 2.0 requires examining the milestones that have defined its journey thus far: July 23, 2023: XRP 2.0 is introduced as a novel cryptocurrency project, aiming to revolutionize secure and decentralized transaction capabilities in the blockchain domain. September 8, 2023: The launching of another project, XRP20, occurs, marking the emergence of an ERC-20 token on the Ethereum blockchain that remains unrelated to XRP 2.0. November 13, 2023: The XRP Ledger undergoes a significant update with the release of rippled server software version 2.0.0. It is essential to note that this development is disconnected from the XRP 2.0 cryptocurrency project. Key Points About XRP 2.0 To distill the essence of XRP 2.0, several critical factors emerge: Unique Features: The inclusion of features like AI-powered text-to-image and text-to-speech further diversifies the potential applications of XRP 2.0. Blockchain Technology: The framework utilizes advanced blockchain mechanisms and encryption protocols, ensuring a secure and decentralized environment for transactions. Scalability and Privacy: XRP 2.0 prioritizes enhanced privacy protections in transaction processes and the scalability necessary to accommodate a growing user base. No Affiliation with Ripple: Importantly, despite its name, XRP 2.0 does not have any allegiance or collaboration with Ripple’s XRP, distinguishing its operational framework and objectives within the cryptocurrency ecosystem. Conclusion XRP 2.0 represents an ambitious venture into the cryptocurrency sphere, aiming to offer a combination of security, privacy, and efficiency in digital transactions. By integrating sophisticated technologies and user-friendly features, the project sets out to broaden the horizons of what cryptocurrency can achieve in today's digital economy. While the anonymity of its creator and lack of disclosed investors might raise questions for some, XRP 2.0's focus on advanced functionalities and decentralisation enhances its appeal amidst an increasingly crowded crypto market. As the cryptocurrency landscape continues to evolve, XRP 2.0 may yet emerge as a pivotal player in the expansion of secure and scalable blockchain solutions.

1.1k Total ViewsPublished 2024.04.01Updated 2024.12.03

What is XRP 2.0

Discussions

Welcome to the HTX Community. Here, you can stay informed about the latest platform developments and gain access to professional market insights. Users' opinions on the price of XRP (XRP) are presented below.

活动图片