Ripple has introduced a new lending protocol on the XRP Ledger (XRPL) with the release of Version 3.0.0, featuring Single-Asset Vaults. This development aims to provide institutional-grade yield opportunities for XRP and RLUSD through fixed-term, fixed-rate credit offerings. The protocol is set to undergo validator voting by January 2026. In conjunction with the launch, Ripple has initiated a $200,000 attackathon in partnership with Immunefi to rigorously test the protocol's security. This initiative marks a significant step in enhancing the XRPL's financial infrastructure, positioning it for broader institutional adoption.