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We'll introduce the XRP Ledger Lending Protocol, a native On-Chain lending protocol tailored specifically for small and medium-sized borrowers. The protocol minimizes lender risk while ensuring borrowers access various credit options, streamlining their credit access and empowering them in the financial landscape. In addition, the protocol takes into account the broader DeFi ecosystem. It adopts Ethereum's ERC-4626 standard, allowing to streamline development efforts on the XRP Ledger, making integration with existing DeFi frontends easier. This approach enhances interoperability and encourages collaboration and adoption within the larger DeFi community. We'll also explore an alternative approach to protocol design, prioritizing flexibility and extensibility, allowing the creation of protocols that can adapt to evolving needs and requirements while maintaining backwards compatibility. XRP Ledger Apex, hosted by Ripple, is the largest annual summit on the XRPL calendar. It unites developers, businesses, fintechs, VCs and the wider community to learn about major updates, explore networking opportunities and engage directly with key players shaping the future of the XRP Ledger. Visit xrpledgerapex.com to learn more