Swiss payments lender Arf said on Thursday, October 22, that it is partnering with Ripple to lend the RLUSD stablecoin to licensed cross-border payment companies on the XRP Ledger, giving them working capital while their payments settle. It was the week\u2019s biggest XRP news, yet XRP fell 4% that day, and the onchain lending tools Arf plans to use still lack the validator votes to switch on.<\/p>\n
XRP<\/a> trades at $1.32 on Friday, down 0.9% in 24 hours and 17% in a month. So what does Arf actually bring, and when will the XRP Ledger\u2019s lending protocol arrive?<\/p>\n Arf is bringing settlement liquidity to the @XRP<\/a> Ledger.<\/p>\n Cross-border payments move trillions of dollars every year, but the capital needed to move that money often remains tied up across markets.<\/p>\n That\u2019s why we\u2019re partnering with @Ripple<\/a> to bring RLUSD-powered settlement\u2026 pic.twitter.com\/M9RQqdITse<\/a><\/p>\n \u2014 Arf (@arf_one) October 22, 2026<\/a><\/p>\n\n Short-term loans for payment companies. A remittance or card company sending money abroad often has to pay out at the destination before the sender\u2019s funds arrive. That gap needs cash on hand in every market, and bank credit lines can take months to set up.<\/p>\n Arf\u2019s settlement liquidity<\/a> fills that gap with stablecoin loans that are usually repaid in one to five days, once the payment settles. The Zug-based firm, a Swiss-regulated financial institution, handles about $10 billion a year in settlement volume, with its capital turning over four times a month.<\/p>\n In the first phase, Arf will lend RLUSD directly on the XRP Ledger. The payment companies don\u2019t need to touch a blockchain: Arf converts between fiat and stablecoins through its own bank accounts.<\/p>\n They are the XRP Ledger\u2019s native lending tools. XLS-65 creates Single Asset Vaults, where lenders pool one asset such as RLUSD. XLS-66, the Lending Protocol, lets that pooled money go out as fixed-term loans. Arf would keep doing the credit checks offchain, while the money itself would be held and lent onchain.<\/p>\n XRP Ledger commentator Vet called it \u201cXRP Ledger powering cross-border payments with on-chain credit,\u201d adding that it \u201cfixes tradFi inefficiencies.\u201d<\/p>\n Pay attention.<\/p>\n XRP Ledger powering cross border payments with on chain credit! It brings everything together and fixes tradFi inefficiencies.<\/p>\n What is the settlement liquidity Arf is bringing and what does this mean for XRP, XRP Ledger and RLUSD. Especially for XLS-66 and\u2026 https:\/\/t.co\/gTp5p4dyIg<\/a> pic.twitter.com\/zbu3gFi2L2<\/a><\/p>\n \u2014 Vet (@Vet_X0) October 22, 2026<\/a><\/p>\n\n Neither tool is live yet. An amendment needs the support of 80% of trusted validators for two weeks before it activates. On the XRP Ledger amendment tracker<\/a>, the Lending Protocol has 17 of 32 validator votes and Single Asset Vaults have 19, short of the 25 needed.<\/p>\n Until then, Arf will run the program with direct loans and move it onto the native protocol once XLS-65 and XLS-66 activate on mainnet.<\/p>\n How is this beneficial for XRP? RLUSD gains the most. It becomes the currency of every loan, from payout to repayment, and it needs the help of its home chain. RLUSD\u2019s supply on the XRP Ledger<\/a> has fallen to about $939.82 million from $1.05 billion a week ago, while its supply on Ethereum has grown to $1.46 billion.<\/p>\n Ripple USD\u00a0DeFiLlama<\/a><\/p>\n For XRP, the link is indirect. Every XRP Ledger transaction pays a small fee in XRP, and accounts and objects such as vaults and loans lock up XRP reserves. Loans repaid every few days mean repeated transactions. But fees on the XRP Ledger are fractions of a cent, so the effect on demand stays small unless volumes become very large. Arf itself describes XRP\u2019s role as supporting \u201cthe underlying network activity.\u201d<\/p>\n DISCOVER: XRP Traders Cut Binance Leverage by a Quarter in Under a Month, and the Ones Left Are Leaning Long<\/a><\/strong><\/p>\n The news didn\u2019t lift the price. XRP climbed to $1.3992 on Wednesday, a one-week high, then dropped 4.1% on Thursday as Arf\u2019s announcement went out, closing at $1.3094. It is now back near $1.32, inside the range it has traded in since mid-October.<\/p>\n XRPUSDT Chart 1D\u00a0TradingView<\/a><\/p>\n Overhead, $1.332 to $1.353 is the first test, where the 4-hour 50 EMA meets the area Thursday\u2019s drop broke through. Above that sits the bigger barrier: the daily 50 and 200 EMAs, bunched together between $1.371 and $1.374. XRP has closed both below every day since October 12, and Wednesday\u2019s push above them failed within hours.<\/p>\n Below, $1.30 to $1.31 has held through Thursday and Friday. Losing it would put the October 18 low of $1.2562 back in play, the level that marked the bottom of this month\u2019s slide. A daily close above $1.374 would open the way to Wednesday\u2019s $1.3992 high and then $1.43.<\/p>\n The Arf deal is XRP news that matters beyond one day\u2019s price: it gives the XRP Ledger a real lending customer with real payment volume. How much of that business actually runs onchain now depends on eight more validator votes.<\/p>\n EXPLORE:\u00a0Best Crypto Presales With Asymmetric Upside in the Current Market<\/a><\/strong><\/p>\n Follow\u00a099Bitcoins on X<\/a>\u00a0For the Latest Market Updates and\u00a0Subscribe on YouTube<\/a>\u00a0For Daily Expert Market Analysis.<\/strong><\/p>\n The post Ripple Partner Arf Brings Its $10 Billion Payments Lending Business to the XRP Ledger<\/a> appeared first on 99Bitcoins<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Swiss payments lender Arf said on Thursday, October 22, that it is partnering with Ripple to lend the RLUSD stablecoin to licensed cross-border payment companies on the XRP Ledger, giving them working capital while their payments settle. It was the week\u2019s biggest XRP news, yet XRP fell 4% that day, and the onchain lending tools […]<\/p>\n","protected":false},"author":0,"featured_media":243046,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-243045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-discovery"],"_links":{"self":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/243045"}],"collection":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=243045"}],"version-history":[{"count":0,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/243045\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/media\/243046"}],"wp:attachment":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=243045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=243045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=243045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}XRP News: What Is Arf Bringing to the XRP Ledger?<\/h2>\n
What Are XLS-65 and XLS-66, and When Do They Go Live?<\/h2>\n
XRP Price Analysis: Can XRP Hold $1.30?<\/h2>\n