{"id":181784,"date":"2026-07-06T18:23:00","date_gmt":"2026-07-06T18:23:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/news\/ripple-xrp-ledger-credit-infrastructure-institutional-lending-amendments\/"},"modified":"2026-07-06T14:04:40","modified_gmt":"2026-07-06T14:04:40","slug":"ripple-le-xrp-ledger-vers-un-nouveau-protocole-de-credit","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/ripple-le-xrp-ledger-vers-un-nouveau-protocole-de-credit\/","title":{"rendered":"Ripple : Le XRP Ledger vers un nouveau protocole de cr\u00e9dit"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2026\/07\/02152339\/content-inline-1-5.jpg\" alt=\"\"><\/figure><p class=\"wp-block-paragraph\">Ripple a officiellement propos\u00e9 deux amendements majeurs pour l&rsquo;XRPL, <strong>XLS-65<\/strong> et <strong>XLS-66<\/strong>, visant \u00e0 int\u00e9grer une infrastructure de cr\u00e9dit institutionnel \u00e0 terme fixe directement dans le <strong>XRP Ledger<\/strong>. Suite \u00e0 la sortie de Rippled v3.1.0 fin janvier 2026, le processus de vote des validateurs est d\u00e9sormais actif.<\/p><p class=\"wp-block-paragraph\">Ce cadre structurel cible le pr\u00eat sous-collat\u00e9ralis\u00e9 et audit\u00e9 pour les institutions financi\u00e8res r\u00e9glement\u00e9es, positionnant l&rsquo;XRPL comme une couche de cr\u00e9dit plut\u00f4t que comme un simple rail de paiement. Ce changement de paradigme d\u00e9pend enti\u00e8rement de la capacit\u00e9 des amendements \u00e0 franchir le seuil de consensus de 80 % aupr\u00e8s des validateurs.<\/p><figure class=\"wp-block-embed is-type-rich is-provider-x wp-block-embed-x\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Why Tokenization Alone Fails  And How Doppler Is Fixing It on XRPL<br><br>Tokenized assets are exploding, but without lending they stay passive. Real capital markets need credit.<br>XLS-66 brings native lending primitives to XRPL (pooled vaults, fixed-term loans, onchain tracking).\u2026 <a href=\"https:\/\/t.co\/z29H0TLjrd\">https:\/\/t.co\/z29H0TLjrd<\/a><\/p>&mdash; \ud835\uddd5\ud835\uddee\ud835\uddfb\ud835\uddf8XRP (@BankXRP) <a href=\"https:\/\/x.com\/BankXRP\/status\/2072667432976588992?ref_src=twsrc%5Etfw\">July 2, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.x.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p class=\"wp-block-paragraph\">Ce seuil reste la grande inconnue. Selon les derniers suivis, l&rsquo;amendement XLS-65 a recueilli environ 8 votes favorables, soit 22,86 %, tandis que le XLS-66 stagne autour de 7 votes, soit 20 %. Ces chiffres sont bien en de\u00e7\u00e0 du soutien de 80 % requis sur deux semaines cons\u00e9cutives pour une activation sur le r\u00e9seau principal (mainnet).<\/p><h2 class=\"wp-block-heading\">M\u00e9canique du protocole de pr\u00eat et coffres-forts mono-actif<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Les deux amendements fonctionnent comme un syst\u00e8me interconnect\u00e9. Le <strong>XLS-65<\/strong> introduit les <strong>Single Asset Vaults<\/strong> (coffres-forts \u00e0 actif unique), des pools avec acc\u00e8s restreint o\u00f9 les fournisseurs de liquidit\u00e9 d\u00e9posent un seul type de jeton. Ces structures peuvent h\u00e9berger du <strong>RLUSD<\/strong>, du <strong>XRP<\/strong>, des bons du Tr\u00e9sor am\u00e9ricain tokenis\u00e9s ou d&rsquo;autres actifs num\u00e9riques. La r\u00e9vision XLS-65d a simplifi\u00e9 ce mod\u00e8le en supprimant deux transactions auparavant obligatoires, r\u00e9duisant ainsi les frais op\u00e9rationnels pour les d\u00e9posants et les flux de rachat.<\/p><p class=\"wp-block-paragraph\">Le <strong>XLS-66<\/strong> vient greffer le protocole de pr\u00eat XRPL sur ces coffres-forts. Il d\u00e9finit les m\u00e9caniques on-chain pour l&rsquo;origination des pr\u00eats, l&rsquo;accumulation des int\u00e9r\u00eats, le remboursement amorti et la gestion des d\u00e9fauts de paiement via les transactions LoanSet, LoanPay et LoanDelete. Point crucial : l&rsquo;examen de solvabilit\u00e9 (underwriting) et l&rsquo;\u00e9valuation du cr\u00e9dit de l&#8217;emprunteur restent des processus hors-cha\u00eene (off-chain).<\/p><p class=\"wp-block-paragraph\">Ainsi, les bureaux de cr\u00e9dit institutionnels g\u00e8rent l&rsquo;\u00e9valuation des risques tandis que l&rsquo;XRPL s&rsquo;occupe de l&rsquo;ex\u00e9cution et du cycle de vie du pr\u00eat. Contrairement au mod\u00e8le de pr\u00eat sur-collat\u00e9ralis\u00e9 de type Aave, il s&rsquo;agit ici de cr\u00e9dit \u00e0 terme fixe accord\u00e9 \u00e0 des contreparties certifi\u00e9es.<\/p><p class=\"wp-block-paragraph\">L&rsquo;architecture de conformit\u00e9 s&rsquo;appuie sur les domaines autoris\u00e9s existants de l&rsquo;XRPL, la v\u00e9rification des identifiants, les m\u00e9canismes de r\u00e9cup\u00e9ration (clawback) et les fonctionnalit\u00e9s de gel des avoirs. Les op\u00e9rateurs de coffres-forts peuvent restreindre la participation aux entit\u00e9s conformes aux normes KYC\/AML au niveau du protocole, ce qui distingue nettement cette solution de la DeFi ouverte classique.<\/p><h2 class=\"wp-block-heading\">XRP \u00e0 1,00 $ : les enjeux de l&rsquo;activation<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Le <strong>XRP<\/strong> s&rsquo;\u00e9change actuellement autour du niveau de <strong>1,00 $<\/strong>, un seuil psychologique majeur. Les analystes techniques surveillent de pr\u00e8s une figure en triangle de compression, marqu\u00e9e par des bas de plus en plus hauts face \u00e0 une r\u00e9sistance horizontale stable.<\/p><p class=\"wp-block-paragraph\">L&rsquo;activation de XLS-65 et XLS-66 confirmerait la viabilit\u00e9 de l&rsquo;XRPL en tant qu&rsquo;infrastructure de cr\u00e9dit, mais le signal de demande r\u00e9el capable de faire bouger les prix restera l&rsquo;adoption institutionnelle. L&rsquo;\u00e9volution du cours d\u00e9pendra de la capacit\u00e9 des entit\u00e9s r\u00e9glement\u00e9es \u00e0 d\u00e9ployer massivement des capitaux dans des coffres-forts financ\u00e9s en RLUSD.<\/p><p class=\"wp-block-paragraph\">Pour l&rsquo;heure, les amendements sont testables sur le devnet, permettant aux d\u00e9veloppeurs de s&rsquo;int\u00e9grer \u00e0 la pile technologique de pr\u00eat avant l&rsquo;activation sur le mainnet. \u00c0 court terme, la performance du march\u00e9 du XRP sera davantage dict\u00e9e par la dynamique des votes des validateurs vers le seuil des 80 % que par un simple niveau technique. Le cadre est cr\u00e9dible, mais le chemin vers l&rsquo;activation reste \u00e0 confirmer.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ripple propose les amendements XLS-65 et XLS-66 pour int\u00e9grer le cr\u00e9dit institutionnel au XRP Ledger. Le XRP stabilise autour de 1,00 $ avant le vote.<\/p>\n","protected":false},"author":759,"featured_media":181781,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-181784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","editors-julien-leroy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ripple : Le XRP Ledger vers un nouveau protocole de cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Ripple propose les amendements XLS-65 et XLS-66 pour int\u00e9grer le cr\u00e9dit institutionnel au XRP Ledger. 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