Ripple bets XRPL lending can give XRP a future beyond payments as price struggles

- Ripple is trying to pivot XRPL from a glorified payment rail to an institutional lending hub, because apparently, cross-border transfers weren’t boring enough. They’re proposing XLS-65 and XLS-66 to let banks borrow against stablecoins like RLUSD without the messy "credit risk" part—just off-chain paperwork and on-chain enforcement. It’s less DeFi, more digital bureaucracy with better uptime. The moonboys want XRP to moon; Ripple wants it to pay network fees while institutions play banker. Silicon Valley Bank says crypto lending is rebounding, so why not add another layer of compliance friction? If this passes, XRPL becomes the place for people who hate smart contracts but love regulatory capture. Where's my cut?