New XRPL Amendment Aims to Supercharge On‑Chain Lending

TL;DR:

• The RippleD v3.1.0 update introduces critical fixes for signature validation.
• The “fixBatchInnerSigs” amendment guarantees security in institutional lending operations.
• Node operators must upgrade their versions to maintain connectivity with the network.

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The XRP Ledger continues its technical evolution in pursuit of operational efficiency. This Wednesday, a new XRPL amendment for lending was announced; an update integrated into RippleD version 3.1.0, which industry experts categorize as an essential step for the network.

In his analysis, Krippenreiter noted that the update includes critical improvements and follow-up functionalities following the deployment of version 3.0.0. Among the new features, the “fixBatchInnerSigs” amendment stands out, as it resolves issues detected in signature validation.

RippleD (xrplD) v3.1.0 just got released! 🔥

The one amendment that everyone needs to keep an eye on is this one: fixBatchInnerSigs

All eyes on batch! Update your nodes! 🥳 pic.twitter.com/bhXkqorWok

— Krippenreiter (@krippenreiter) January 28, 2026

This fix is fundamental for lending protocols, where a single atomic operation must verify collateral and transfer funds simultaneously. Without a reliable batch system, the risk of partial executions drove institutional investors away from the network.

Security and Scalability in the XRP Ledger Ecosystem

With the implementation of “fixBatchInnerSigs,” batch processing will become safer and more reliable for decentralized finance. Thanks to this, the new XRPL amendment for lending enables robust scalability that meets the security demands of large entities.

On the other hand, the network recently incorporated other improvements, including “fixPriceOracleOrder” and “fixTokenEscrowV1.” These tools ensure that asset pairs follow a canonical order and correct accounting errors in token escrows.

Furthermore, developers such as validator Vet confirm that a large portion of these updates are nearing their final activation. This constant technical effort seeks to maintain all network features at their most optimal performance level.

In summary, it is mandatory for node operators on versions prior to 3.0 to upgrade to v3.1.0 immediately. Those who do not make the change will lose the ability to communicate with the mainnet.