XRP Ledger Repayment Proposal Targets Final Installment Rounding Gap

Tapanito has proposed a change to XRP Ledger loan repayments that would prevent a rounding difference from adding one accounting unit to a future loan’s final installment. The Nov. 6 proposal remains under review. It targets LendingProtocolV1_2, a proposed lending revision still marked unsupported in the development branch. The repayment change is not active on Mainnet. The current calculation works out scheduled installments separately. Small rounding differences can accumulate, leaving the last payment one accounting unit above the rounded periodic payment. That unit is part of the loan calculation; the proposal assigns it no dollar value and does not say every loan is denominated in XRP. Under the proposal, an on-time payment would set the outstanding balance in line with the remaining schedule.

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