XRP Ledger developers patch lending protocol before launch, add follow-up amendment

XRP Ledger developers are patching its new lending protocol before it goes live, adding a follow-up amendment LendingProtocolV1_1 to fix the original code while it remains in the network's voting queue. The protocol enables on-chain, fixed-term, uncollateralized loans using pooled funds and "first-loss capital" to absorb defaults, relying on off-chain underwriting rather than automated collateral. Amendments require 80% validator support over two weeks to activate.