Validator support for XLS-66d, the proposed amendment that would add native uncollateralized lending to the XRP Ledger, has reached 71.4%. That's still short of the 80% consensus required to activate the change, and the amendment remains in the governance process, according to Livenet.
What XLS-66d would bring
The amendment introduces uncollateralized lending primitives directly onto the XRPL. Unlike collateralized loans, these rely on credit systems, trust assumptions, identity checks, underwriting, or other risk controls. That added complexity is a big reason the proposal has drawn careful scrutiny from validators.
If activated, the feature would let users lend and borrow without locking up assets as collateral. But it also means the network must handle default risk and creditworthiness in a decentralized way, which is a significant departure from the ledger's current design.
Why the 80% threshold matters
XRPL's amendment process is built to avoid sudden protocol changes. A proposal only goes live after 80% of validators agree and keep that support for 14 consecutive days. The two-week window ensures the consensus is genuine, not a fleeting spike.
Validators can change their positions at any time. Support can rise or fall during the activation period, so hitting 71.4% today doesn't guarantee the amendment will pass. It simply puts the proposal within striking distance of the required threshold.
The road to activation
XLS-66d is not yet active on mainnet. It's still in the governance phase, with validators weighing the trade-offs. The complexity of uncollateralized lending means some may hold out until they see clearer answers on how risk will be managed.
The next milestone is reaching 80% and holding it for two weeks. Whether that happens depends on whether enough validators shift their stance in the coming days. Livenet's data will show if the momentum continues or stalls.
