XRP Ledger’s fixes are nearly live. Why is lending still waiting?

An XRPL maintenance amendment is approaching activation on October 23, but the vault and lending proposals remain separate votes. The difference lies in what validators are being asked to authorize, and in the offchain credit judgment that protocol code cannot supply. XRP Ledger validators have moved a maintenance amendment toward October 23 activation while leaving its proposed lending and vault features short of approval. The XRPL amendment rules require more than 80% support from trusted validators for two weeks before a change becomes active.

Source: crypto.news