According to CryptoSlate, the proposed XRPL V1.1 rules will require new lending brokers to use closed native lending vaults, with deposits and withdrawals suspended during the investment period. The lent XRP will be controlled by the borrowers, while depositors will hold vault shares and bear the credit risk. Citing an XRPLWin snapshot from November 12, the report noted that LendingProtocol and V1.1 each received 22 out of 35 votes from trusted validators, and SingleAssetVault received 23 votes—all below the 29-vote threshold shown on the page; native lending had not been activated at the time. Default buffers are optional arrangements, and transferable shares do not guarantee finding a buyer or achieving full recovery. The lock-up of withdrawals during the investment period does not mean that the lent XRP permanently exits circulation, nor does it represent the generation of new market buying pressure.