Si el apoyo disminuye por debajo del umbral durante ese tiempo, el cuenta atrás se reinicia cuando la propuesta vuelve al nivel requerido para ser aprobada.
Como se informó anteriormente en relación con las votaciones de LendingProtocolV1_1 (), RippleX abrió el proceso de votación para la tercera enmienda relativa al préstamo en septiembre. Esta enmienda introduce «bóvedas de préstamo» (closed-ended vaults) y modifica la forma en que los ingresos derivados de los préstamos se registran en los libros contables de la red.
Según la documentación oficial de XRPL, existen tres etapas en el funcionamiento de estas bóvedas: suscripción, inversión y redención. Las nuevas reglas permiten que las bóvedas reconozcan los ingresos en concepto de intereses en cuanto el prestatario los paga.
A medida que los validadores continúan revisando las enmiendas relacionadas con los préstamos, los datos de las transacciones ofrecen una perspectiva diferente de la actividad en el registro de transacciones de XRP (XRP Ledger).
Según los datos de la cadena, el 11 de noviembre el XRP Ledger había procesado un total de 3.9 millones de transacciones, de las cuales 659.300 eran pagos y 42.400 eran direcciones emisoras.
Fuente: Bithomp (XRP Explorer y herramientas para el registro de transacciones)
Además, la red procesó 956.300 transacciones de intercambio descentralizado y 153.800 operaciones de tipo swap, con un volumen total de negociaciones de aproximadamente 1.100 millones de dólares.
Según el rastreador de enmiendas de Bithomp, LendingProtocol recibió el 63% del apoyo de los validadores; LendingProtocolV1_1, el 66%, y SingleAssetVault, también el 66%.
La propuesta de préstamos del libro mayor de XRP apoyaría préstamos a plazo fijo.
La especificación XLS-66 de Ripple indica que los préstamos a plazo fijo se financiarían a través de bóvedas de activos compartidos, donde se almacenarían XRP o tokens compatibles.
El intermediario de préstamos evaluaría a los prestatarios fuera de la cadena y el libro mayor registraría la creación de los préstamos, los pagos y los incumplimientos. El diseño incluye un componente de capital destinado a cubrir las primeras pérdidas, que los intermediarios pueden utilizar en caso de incumplimientos por parte de los prestatarios.
Anteriormente, Clearpool reveló sus planes de utilizar la infraestructura de préstamos de XRPL para servicios de crédito institucionales, basándose en las especificaciones XLS-65 y XLS-66.
Mientras tanto, el 4 de noviembre, los desarrolladores introdujeron cambios adicionales en el código de XRPL, proponiendo almacenar los datos de los préstamos directamente en las entradas del libro mayor y agregar una comprobación de secuencia opcional al crear préstamos.
Estos cambios no afectan las enmiendas que actualmente están en vigor en el proceso de votación de los validadores. A la fecha de publicación, el precio de XRP era de 1,04 dólares, lo que representa una disminución del 1,21% en las últimas 24 horas.
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