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Flare co-founder promotes XRP ledger to support RLUSD lending, requiring 6 verification nodes to vot

2026-09-18 04:41:32

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可信验证者正在审议的修正案将为 XRP Ledger 引入重大金融工具

一项正在由可信验证者审议的修正案，有望为 XRP Ledger（XRPL）引入一项重大的新型金融工具，允许用户以 XRP 作为抵押品原生借出 RLUSD 稳定币。这项名为“权限委托”（Permission Delegation）的提案基于 XLS-75 标准建立，将允许 XRP Ledger 账户在不共享签名密钥的情况下委托交易权限。

Flare Network 对 XRPL 上 RLUSD 的愿景

Flare Network 联合创始人 Hugo Philion 概述了一个场景：用户可以直接以持有的 XRP 作为抵押品，借出与美元挂钩的去中心化稳定币 RLUSD。他提议利用 Flare 的智能账户技术，使 RLUSD 直接在 XRP Ledger 上交付，而无需用户将资产转移到其他区块链或交易所。

要使这一功能成为现实，必须激活用于 RLUSD 的 Wormhole 跨链桥，而该过程取决于验证者批准“权限委托”修正案。Flare Network 以促进区块链之间的互操作性而闻名，旨在扩展诸如 XRP Ledger 等网络上的去中心化金融（DeFi）访问权限。

小词典：Wormhole 桥是一种跨链协议，能够实现不同区块链之间的资产转移，允许 RLUSD 等代币在 Flare Network 和 XRP Ledger 之间移动。

Philion highlighted his ambition to allow users to borrow RLUSD directly from their XRP holdings through Flare smart accounts and receive those funds natively on XRP Ledger. He emphasized that to achieve this goal, both the Wormhole Bridge and the "Delegation of Rights" amendment for RLUSD must be in place.

Verifier Voting Progress

With the launch of XRP Ledger version 3.3.0 on August 12, 2026, amendment voting has officially started. XRPScan data as of September 16 showed that 23 of 35 trusted verifiers supported the change, with a consensus rate of close to 66%. The amendment requires at least 29 votes in favor (i.e., approval by more than 80% of the validators) and must remain in this status for two weeks before it can be activated. Therefore, before the amendment is implemented, the support of six additional validators is needed.

The validator voting chart shows a gradual and steady growth in support, rising from zero votes at launch to the current level, and the pace of adoption has accelerated recently. Although the results remain uncertain, trends point to wider acceptance.

Requirements Currently supports Total number of verifiers required for activation Number of verifiers 3535-2329- Consensus rate (%)65.71%+80%-

Potential impact on XRP utility

如果实施，“权限委托”将首次允许 XRP 持有者在不出 XRP Ledger 严格范围的情况下，以其资产为抵押借出 RLUSD。目前，寻求此类流动性的用户需要依赖第三方交易所或外部协议。Flare 的合作以及 Wormhole 桥基础设施的引入旨在解决这一局限性，并促进 XRPL 原生借贷的发展。

启用链上抵押借贷预计将吸引希望高效部署资本的机构，以及寻求流动性而不愿牺牲 XRP 持仓的个人持有者。这种更广泛的流动性获取途径可能会吸引新参与者，并增加在该生态系统内持有 XRP 的吸引力。

将链上 RLUSD 借贷等新金融工具引入 XRP Ledger，增强了其整体效用，并鼓励个人和机构参与者更广泛地采用。通过提高 XRP 作为抵押品的生产性使用，该修正案及配套的基建可能会在网络内创造新的需求。支持者认为，此类发展通常与对基础代币的兴趣增加及潜在的价格上涨相关。

临时解决方案与展望

在完全整合等待验证者达成共识的同时，Philion 指出 Flare 正在致力于一种临时解决方案。在 Wormhole 桥完全运行之前，用户可以将借出的 RLUSD 信用额度存入其交易所账户，而不是直接存入他们的 XRPL 地址。最终目标仍然是让验证者跨越 80% 的批准门槛，从而解锁预期的跨链借贷能力。

目前尚未设定最终投票的时间表，但该修正案的逐步进展正在更广泛的 XRP 和 Flare 社区中受到密切关注。

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