Ripple’s XRP Ledger developers propose fix for loan repayment rounding issues

XRP Ledger developers have proposed a new lending protocol update that would correct how loan repayments are rounded, preventing small calculation differences from accumulating across scheduled payments. XRP Ledger developers proposed repayment rounding changes under the planned LendingProtocolV1_2 amendment for native lending. The correction would prevent accumulated rounding differences from making final loan installments exceed scheduled amounts. Developers tested repayment calculations across Legacy, CashBasis and FixedPrecision vaults under several different amendment configurations. Existing loans carrying rounding differences may retain them unless borrowers make qualifying overpayments during repayment. LendingProtocolV1_2 remains under development, with mainnet activation requiring sustained support from trusted XRP Ledger validators. The November 6 GitHub proposal introduces changes under the planned LendingProtocolV1_2 amendment, which would align outstanding loan balances with their repayment schedules.

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