XRP could gain a new institutional use case if lenders and borrowers begin using the asset as collateral without requiring holders to sell their positions. Crypto enthusiast Diana, in a tweet
XRP could gain a new institutional use case if lenders and borrowers begin using the asset as collateral without requiring holders to sell their positions. Crypto enthusiast Diana, in a tweet, highlighted Ripple’s focus on XRP lending and Evernorth’s plans to participate in the upcoming XRP Lending Protocol, XLS-66.
The development centers on the possibility of allowing institutions to access credit against XRP while keeping the asset on the XRP Ledger. Diana presented the development as a potential multi-billion-dollar annual opportunity for the XRP market.
NEW: Ripple REVEALS $3.1 TRILLION $XRP COLLATERAL Opportunity for Institutions — Evernorth CONFIRMED It Plans to Use It
Ripple just highlighted $XRP as COLLATERAL for institutional CREDIT — meaning institutions could potentially put their $XRP to work to ACCESS CREDIT… https://t.co/7MIgWsuprqpic.twitter.com/UlLEN85vLT
— Diana (@InvestWithD) September 13, 2026
Diana pointed to Evernorth’s confirmation that it intends to make XLS-66 a core part of its XRP strategy. The protocol is designed to provide native lending functionality on the XRP Ledger and allow XRP holders to put their assets to work.
Evernorth’s document explains that XRP traditionally lacked a native mechanism for generating yield on idle assets. While XLS-66 aims to address this by allowing lenders to deposit XRP into dedicated Single-Asset Vaults, institutional borrowers can obtain XRP loans for activities such as market making and collateral management.
This structure would allow institutions to borrow XRP without necessarily liquidating their existing positions. For lenders, the protocol could create a potential yield-generating use case while keeping XRP onchain.
Diana connected the development to the scale of the global securities lending market, citing approximately $3.1 trillion in average balances on loan.
The comparison highlights the large opportunity referenced in the post. Diana suggested that if XRP lending grows, the asset could participate in a much larger institutional credit market and potentially support billions of dollars in annual yield.
Evernorth’s material also describes the XRP Lending Protocol as a way to create a more streamlined connection between institutions with capital and those seeking liquidity. The company expects the model to support institutional-grade, fixed-term and fixed-rate loans.
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A major part of Evernorth’s rationale involves keeping XRP on its native network rather than moving it through external lending systems.
The company identifies potential tax and security complications associated with wrapping or bridging XRP to another network. Native lending would allow institutions to retain XRP on the XRP Ledger while accessing lending functionality directly through the protocol.
Evernorth also argues that native infrastructure could simplify institutional operations compared with manual wallet-to-wallet lending. Its material describes off-chain lending as creating reconciliation challenges because multiple records and parties must remain synchronized.
For XRP holders and institutions, the proposed lending system therefore represents a potential expansion of the asset’s utility. Diana’s post places that development alongside the $3.1 trillion securities lending market and Evernorth’s planned use of XLS-66, presenting native XRP lending as a possible route toward a multi-billion-dollar annual yield opportunity.
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.
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