Morpho, a popular Modular Lending XRP platform on the Flare Network, has garnered media attention after it amassed over $10 billion in total value locked.
This significant increase was made possible by permissionless lending using the FXRP version of the XRP coin. This has expanded on-demand liquidity and opened up new modular lending markets.
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Yield-Bearing Vaults Opened Up For XRP Enthusiasts
Today, Flare users can transform Ripple coins from just an inactive digital asset into a powerful tool that generates yield, credit, and staking strategies. Previously, advanced DeFi yield options were limited, but cross-chain features arrived this year when the United States government advanced the Clarity Act.
Through the Flare network, FXRP holders can deposit their coins into special yield vaults, borrow digital funds using wrapped XRP as collateral, and integrate lending positions into structured XRP trading strategies. However, Morpho’s system differs from previous platforms because of its close connection to the Mystic front-end.
Big-Time XRP Lending Feature Arrives: Next Leg-Up?
Flare plans to support different lending models and expand the XRPfi ecosystem. This allows users to participate in on-chain finance, integrating existing DeFi tools and smart trading strategies that enhance their yield. The advantage of Flare Network (FLR) is that its infrastructure is advanced and powered by XRP.
Initially, curators like Clearstar will provide staking vaults where assets in FLR, FXRP, and USDT0 can be held. Mystic will be the main access point at launch and will play a key role in the Morpho dApp. Flare previously introduced FXRP on Hyperliquid, a DeFi exchange.
Even during bear markets, XRP liquidity remains with long-term holders speculative buyers have dwindled, and holders are steadily accumulating XRP for the next super-cycle. CNBC has called XRP the ‘best buy of crypto’ in 2026, and whales are still accumulating XRP ahead of the next price jump.
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People Also Ask – Modular Lending XRP:
What is Modular Lending for XRP on Flare?
This is Flare first permissionless lending market where FXRP (Flare’s version of XRP) is actively managed through Morpho integration.
What benefits do XRP holders have?
Holders can earn yield on FXRP or borrow XRP for liquidity. This makes it easier to create capital loops and combine DeFi strategies, increasing XRP utility beyond just transfer and settlement.
When did it launch and what is its status?
Launch: 3 February 2026. Now live FXRP holders can start supplying/borrowing via the Mystic or Morpho interfaces.
