Ripple Exec: XRP's 'Killer Use Case' Lies in Institutional Collateral
Ripple product head Jazzi Cooper has pointed out a potentially big use case for XRP, indicating that institutional credit as collateral for the digital asset could be a “killer use case.” Coopers comment stems from the fact that institutional credit has remained largely unexploited despite increased interest in onchain finance. Cooper brought the XRP Ledgers lending infrastructure to the fore as a major enabler, citing XLS-65 and XLS-66 as laying the groundwork for lending functionality on XRPL. Shiba Inu (SHIB), Hyperliquid (HYPE), Binance Coin (BNB) and Zcash (ZEC) Price Analysis for September 12: Sudden Surge Bitcoins Weirdest Trader Yet? Fly Brain Makes a Profit Yes – XRP as collateral for institutional credit is a killer use case (and supported by xls65/66 lending protocol!) — Jazzi Cooper (@jazzicoop) September 11, 2026 XLS-65, which Cooper mentioned, is the Single Asset Vault amendment, which provides a framework for combining assets from multiple depositors. This feature is intended to be used in conjunction with the on-chain Lending Protocol. XLS-66 – Lending Protocol enables on-chain, fixed-term, uncollateralized loans utilizing pooled funds from a Single Asset Vault. This implementation relies on off-chain underwriting and risk management to assess the creditworthiness of borrowers but offers configurable, peer-to-peer loans. The Lending Protocol and Single Asset Vault amendments









