From c121d3d720ea4d0be11a28457cfbdfa96fe0d4e8 Mon Sep 17 00:00:00 2001
From: Ed Hennis <ed@ripple.com>
Date: Wed, 4 Feb 2026 20:46:33 -0500
Subject: [PATCH] Verify and log LoanPay fund conservation in all builds

- A warning will be logged if there's a mismatch.
---
 src/xrpld/app/tx/detail/LoanPay.cpp | 20 +++++++++++---------
 1 file changed, 11 insertions(+), 9 deletions(-)

diff --git a/src/xrpld/app/tx/detail/LoanPay.cpp b/src/xrpld/app/tx/detail/LoanPay.cpp
index 7ba93bef06..0dac53edc9 100644
--- a/src/xrpld/app/tx/detail/LoanPay.cpp
+++ b/src/xrpld/app/tx/detail/LoanPay.cpp
@@ -502,7 +502,7 @@ LoanPay::doApply()
         // LCOV_EXCL_STOP
     }
 
-#if !NDEBUG
+    // These three values are used to check that funds are conserved after the transfers
     auto const accountBalanceBefore =
         accountHolds(view, account_, asset, fhIGNORE_FREEZE, ahIGNORE_AUTH, j_, SpendableHandling::shFULL_BALANCE);
     auto const vaultBalanceBefore = account_ == vaultPseudoAccount
@@ -512,7 +512,6 @@ LoanPay::doApply()
     auto const brokerBalanceBefore = account_ == brokerPayee
         ? STAmount{asset, 0}
         : accountHolds(view, brokerPayee, asset, fhIGNORE_FREEZE, ahIGNORE_AUTH, j_, SpendableHandling::shFULL_BALANCE);
-#endif
 
     if (totalPaidToVaultRounded != beast::zero)
     {
@@ -546,13 +545,17 @@ LoanPay::doApply()
         return ter;
 
 #if !NDEBUG
-    Number const pseudoAccountBalanceAfter =
-        accountHolds(view, vaultPseudoAccount, asset, FreezeHandling::fhIGNORE_FREEZE, AuthHandling::ahIGNORE_AUTH, j_);
-    XRPL_ASSERT_PARTS(
-        assetsAvailableAfter == pseudoAccountBalanceAfter,
-        "xrpl::LoanPay::doApply",
-        "vault pseudo balance agrees after");
+    {
+        Number const pseudoAccountBalanceAfter = accountHolds(
+            view, vaultPseudoAccount, asset, FreezeHandling::fhIGNORE_FREEZE, AuthHandling::ahIGNORE_AUTH, j_);
+        XRPL_ASSERT_PARTS(
+            assetsAvailableAfter == pseudoAccountBalanceAfter,
+            "xrpl::LoanPay::doApply",
+            "vault pseudo balance agrees after");
+    }
+#endif
 
+    // Check that funds are conserved
     auto const accountBalanceAfter =
         accountHolds(view, account_, asset, fhIGNORE_FREEZE, ahIGNORE_AUTH, j_, SpendableHandling::shFULL_BALANCE);
     auto const vaultBalanceAfter = account_ == vaultPseudoAccount
@@ -663,7 +666,6 @@ LoanPay::doApply()
         vaultBalanceAfter > vaultBalanceBefore || brokerBalanceAfter > brokerBalanceBefore,
         "xrpl::LoanPay::doApply",
         "vault and/or broker balance increased");
-#endif
 
     return tesSUCCESS;
 }