XRP
Ripple Outlines Plans for XRP-Backed Payment Loans Starting in 2027
The firm is testing a credit service that requires locking tokens as collateral for cross-border payment providers.
Ripple plans to introduce a lending service in 2027 that will use XRP as collateral for short-term corporate loans, company president Monica Long announced at the XRP Seoul conference. The offering is designed for payment providers and money transfer firms requiring working capital before receiving incoming settlement transfers, enabling continuous liquidity access through tokenized lending pools.
Unlike Ripple's standard cross-border payment structure—where XRP is bought and quickly converted without being held long-term—the credit model requires locking tokens in liquidity pools for the duration of the loan. This arrangement temporarily removes collateral assets from open circulation while borrowers settle obligations over weeks or months.
Ripple conducted initial credit tests on the XRP Ledger's native exchange in 2026 and expects to expand operations next year. Specific operational details remain unannounced, including participating lenders, pool capacities, interest rate structures, and approved repayment currencies.
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