XRPL developers propose fix for loan payment rounding
Key points
- XRPL developers have proposed changes to loan payment calculations under the LendingProtocolV1_2 amendment.
- The update aims to prevent rounding errors from accumulating across scheduled loan payments.
- The proposed fix would align final payments with rounded periodic amounts and adjust outstanding balances after overpayments.
XRPL developers have proposed a code change to prevent rounding errors affecting scheduled loan repayments.
The GitHub pull request, opened on 6 November 2026, targets calculations under the LendingProtocolV1_2 amendment.
The proposed fix moves scheduled-value calculations into a shared function, ensuring loan creation and payments use consistent rounding.
Currently, rounding differences can accumulate across payments, potentially making the final instalment exceed the rounded periodic payment.
Under the proposal, each on-time payment would bring outstanding loan value closer to its scheduled amount.
The change also adjusts outstanding balances after overpayments, keeping subsequent repayments aligned with the revised schedule.
Developers tested the changes across Legacy, CashBasis and FixedPrecision vaults, including scenarios involving existing loans.
The pull request remains open, with reviewer approval required before the changes can merge into XRPL's development branch.
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