diff --git a/cfg/xrpld-example.cfg b/cfg/xrpld-example.cfg
index 54b56524d1..06baed9d7a 100644
--- a/cfg/xrpld-example.cfg
+++ b/cfg/xrpld-example.cfg
@@ -953,6 +953,21 @@
 #
 #   Optional keys for NuDB and RocksDB:
 #
+#       cache_size          Size of cache for database records. Default is 16384.
+#                           Setting this value to 0 will use the default value.
+#
+#       cache_age           Length of time in minutes to keep database records
+#                           cached. Default is 5 minutes. Setting this value to
+#                           0 will use the default value.
+#
+#                           Note: if cache_size or cache_age is not specified,
+#                           default values will be used for the unspecified
+#                           parameter.
+#
+#                           Note: the cache will not be created if online_delete
+#                           is specified, because the rotating NodeStore does
+#                           not use this cache).
+#
 #       fast_load           Boolean. If set, load the last persisted ledger
 #                           from disk upon process start before syncing to
 #                           the network. This is likely to improve performance
diff --git a/include/xrpl/basics/Number.h b/include/xrpl/basics/Number.h
index 3aeb4b5bcd..93bef82a8c 100644
--- a/include/xrpl/basics/Number.h
+++ b/include/xrpl/basics/Number.h
@@ -2,12 +2,14 @@
 
 #include <xrpl/beast/utility/instrumentation.h>
 
+#include <array>
 #include <cstdint>
 #include <functional>
 #include <limits>
 #include <optional>
 #include <ostream>
 #include <set>
+#include <stdexcept>
 #include <string>
 #include <unordered_map>
 
@@ -40,6 +42,47 @@ isPowerOfTen(T value)
     return logTen(value).has_value();
 }
 
+namespace detail {
+
+/** Builds a table of the powers of 10
+ *
+ * This function is marked consteval, so it can only be run in
+ * a constexpr context. This assures that it is and can only be run at
+ * compile time. Doing it at runtime would be pretty wasteful and
+ * inefficient.
+ */
+constexpr std::size_t kInt64Digits = 20;
+consteval std::array<std::uint64_t, kInt64Digits>
+buildPowersOfTen()
+{
+    std::array<std::uint64_t, kInt64Digits> result{};
+
+    std::uint64_t power = 1;
+    std::size_t exponent = 0;
+    // end the loop early so it doesn't overflow;
+    for (; exponent < result.size() - 1; ++exponent, power *= 10)
+    {
+        result[exponent] = power;
+        if (power > std::numeric_limits<std::uint64_t>::max() / 10)
+            throw std::logic_error("Power of 10 table is too big");
+    }
+    result[exponent] = power;
+    if (power < std::numeric_limits<std::uint64_t>::max() / 10)
+        throw std::logic_error("Power of 10 table is not big enough for the uint64_t type");
+
+    return result;
+}
+
+}  // namespace detail
+
+constexpr std::array<std::uint64_t, detail::kInt64Digits> kPowerOfTen = detail::buildPowersOfTen();
+
+static_assert(kPowerOfTen[0] == 1);
+static_assert(kPowerOfTen[1] == 10);
+static_assert(kPowerOfTen[10] == 10'000'000'000);
+static_assert(
+    isPowerOfTen(kPowerOfTen.back()) && *logTen(kPowerOfTen.back()) == detail::kInt64Digits - 1);
+
 /** MantissaRange defines a range for the mantissa of a normalized Number.
  *
  * The mantissa is in the range [min, max], where
@@ -76,6 +119,7 @@ isPowerOfTen(T value)
 struct MantissaRange final
 {
     using rep = std::uint64_t;
+
     enum class MantissaScale {
         Small,
         // LargeLegacy can be removed when fixCleanup3_2_0 is retired
@@ -89,19 +133,15 @@ struct MantissaRange final
         Enabled = true,
     };
 
-    explicit constexpr MantissaRange(MantissaScale scale)
-        : min(getMin(scale))
-        , cuspRoundingFixEnabled(isCuspFixEnabled(scale))
-        , log(logTen(min).value_or(-1))
-        , scale(scale)
+    explicit constexpr MantissaRange(MantissaScale sc) : scale(sc)
     {
     }
 
-    rep min;
-    rep max{(min * 10) - 1};
-    CuspRoundingFix cuspRoundingFixEnabled;
-    int log;
-    MantissaScale scale;
+    MantissaScale const scale;
+    int const log{getExponent(scale)};
+    rep const min{getMin(scale, log)};
+    rep const max{(min * 10) - 1};
+    CuspRoundingFix const cuspRoundingFixEnabled{isCuspFixEnabled(scale)};
 
     static MantissaRange const&
     getMantissaRange(MantissaScale scale);
@@ -110,23 +150,35 @@ struct MantissaRange final
     getAllScales();
 
 private:
-    static constexpr rep
-    getMin(MantissaScale scale)
+    static constexpr int
+    getExponent(MantissaScale scale)
     {
         switch (scale)
         {
             case MantissaScale::Small:
-                return 1'000'000'000'000'000ULL;
+                return 15;
             case MantissaScale::LargeLegacy:
             case MantissaScale::Large:
-                return 1'000'000'000'000'000'000ULL;
+                return 18;
+            // LCOV_EXCL_START
             default:
                 // If called in a constexpr context, this throw assures that the build fails if an
                 // invalid scale is used.
-                throw std::runtime_error("Unknown mantissa scale");  // LCOV_EXCL_LINE
+                throw std::runtime_error("Unknown mantissa scale");
+                // LCOV_EXCL_STOP
         }
     }
 
+    // Keep this function for future use with different ways to compute
+    // the ranges.
+    static constexpr rep
+    getMin(MantissaScale scale, int exponent)
+    {
+        if (exponent < 0 || exponent >= kPowerOfTen.size())
+            throw std::runtime_error("Invalid exponent");  // LCOV_EXCL_LINE
+        return kPowerOfTen[exponent];
+    }
+
     static constexpr CuspRoundingFix
     isCuspFixEnabled(MantissaScale scale)
     {
@@ -477,8 +529,7 @@ public:
     template <
         auto MinMantissa,
         auto MaxMantissa,
-        Integral64 T = std::decay_t<decltype(MinMantissa)>,
-        Integral64 TMax = std::decay_t<decltype(MaxMantissa)>>
+        Integral64 T = std::decay_t<decltype(MinMantissa)>>
     [[nodiscard]]
     std::pair<T, int>
     normalizeToRange() const;
@@ -519,7 +570,8 @@ private:
         int& exponent,
         MantissaRange::rep const& minMantissa,
         MantissaRange::rep const& maxMantissa,
-        MantissaRange::CuspRoundingFix cuspRoundingFixEnabled);
+        MantissaRange::CuspRoundingFix cuspRoundingFixEnabled,
+        bool dropped);
 
     [[nodiscard]] bool
     isnormal() const noexcept;
@@ -725,16 +777,18 @@ Number::isnormal() const noexcept
          kMinExponent <= exponent_ && exponent_ <= kMaxExponent);
 }
 
-template <auto MinMantissa, auto MaxMantissa, Integral64 T, Integral64 TMax>
+template <auto MinMantissa, auto MaxMantissa, Integral64 T>
 std::pair<T, int>
 Number::normalizeToRange() const
 {
     static_assert(std::is_same_v<T, std::uint64_t> || std::is_same_v<T, std::int64_t>);
-    static_assert(std::is_same_v<T, TMax>);
+    static_assert(std::is_same_v<T, std::decay_t<decltype(MinMantissa)>>);
+    static_assert(std::is_same_v<T, std::decay_t<decltype(MaxMantissa)>>);
     auto constexpr kMIN = static_cast<T>(MinMantissa);
     auto constexpr kMAX = static_cast<T>(MaxMantissa);
     static_assert(kMIN > 0);
     static_assert(kMIN % 10 == 0);
+    static_assert(isPowerOfTen(kMIN));
     static_assert(kMAX % 10 == 9);
     static_assert((kMAX + 1) / 10 == kMIN);
 
diff --git a/include/xrpl/ledger/helpers/LendingHelpers.h b/include/xrpl/ledger/helpers/LendingHelpers.h
index b7a1ed6bf2..32f94ee277 100644
--- a/include/xrpl/ledger/helpers/LendingHelpers.h
+++ b/include/xrpl/ledger/helpers/LendingHelpers.h
@@ -461,6 +461,7 @@ loanAccruedInterest(
 
 ExtendedPaymentComponents
 computeOverpaymentComponents(
+    Rules const& rules,
     Asset const& asset,
     int32_t const loanScale,
     Number const& overpayment,
diff --git a/include/xrpl/nodestore/Database.h b/include/xrpl/nodestore/Database.h
index ca2dde560c..438a3cc7fc 100644
--- a/include/xrpl/nodestore/Database.h
+++ b/include/xrpl/nodestore/Database.h
@@ -131,6 +131,10 @@ public:
         std::uint32_t ledgerSeq,
         std::function<void(std::shared_ptr<NodeObject> const&)>&& callback);
 
+    /** Remove expired entries from the positive and negative caches. */
+    virtual void
+    sweep() = 0;
+
     /** Gather statistics pertaining to read and write activities.
      *
      * @param obj Json object reference into which to place counters.
diff --git a/include/xrpl/nodestore/detail/DatabaseNodeImp.h b/include/xrpl/nodestore/detail/DatabaseNodeImp.h
index dd94b27075..951c60c8c7 100644
--- a/include/xrpl/nodestore/detail/DatabaseNodeImp.h
+++ b/include/xrpl/nodestore/detail/DatabaseNodeImp.h
@@ -22,6 +22,32 @@ public:
         beast::Journal j)
         : Database(scheduler, readThreads, config, j), backend_(std::move(backend))
     {
+        std::optional<int> cacheSize, cacheAge;
+
+        if (config.exists("cache_size"))
+        {
+            cacheSize = get<int>(config, "cache_size");
+            if (cacheSize.value() < 0)
+                Throw<std::runtime_error>("Specified negative value for cache_size");
+        }
+
+        if (config.exists("cache_age"))
+        {
+            cacheAge = get<int>(config, "cache_age");
+            if (cacheAge.value() < 0)
+                Throw<std::runtime_error>("Specified negative value for cache_age");
+        }
+
+        if (cacheSize.has_value() || cacheAge.has_value())
+        {
+            cache_ = std::make_shared<TaggedCache<uint256, NodeObject>>(
+                "DatabaseNodeImp",
+                cacheSize.value_or(0),
+                std::chrono::minutes(cacheAge.value_or(0)),
+                stopwatch(),
+                j);
+        }
+
         XRPL_ASSERT(
             backend_,
             "xrpl::NodeStore::DatabaseNodeImp::DatabaseNodeImp : non-null "
@@ -73,7 +99,13 @@ public:
         std::uint32_t ledgerSeq,
         std::function<void(std::shared_ptr<NodeObject> const&)>&& callback) override;
 
+    void
+    sweep() override;
+
 private:
+    // Cache for database objects. This cache is not always initialized. Check
+    // for null before using.
+    std::shared_ptr<TaggedCache<uint256, NodeObject>> cache_;
     // Persistent key/value storage
     std::shared_ptr<Backend> backend_;
 
diff --git a/include/xrpl/nodestore/detail/DatabaseRotatingImp.h b/include/xrpl/nodestore/detail/DatabaseRotatingImp.h
index 39441ef4d8..1ba9435a5f 100644
--- a/include/xrpl/nodestore/detail/DatabaseRotatingImp.h
+++ b/include/xrpl/nodestore/detail/DatabaseRotatingImp.h
@@ -55,6 +55,9 @@ public:
     void
     sync() override;
 
+    void
+    sweep() override;
+
 private:
     std::shared_ptr<Backend> writableBackend_;
     std::shared_ptr<Backend> archiveBackend_;
diff --git a/package/debian/rules b/package/debian/rules
index cd94da7e5b..612fe1b1a9 100644
--- a/package/debian/rules
+++ b/package/debian/rules
@@ -10,7 +10,7 @@ override_dh_auto_configure override_dh_auto_build override_dh_auto_test:
 
 override_dh_installsystemd:
 	dh_installsystemd --no-stop-on-upgrade xrpld.service
-	dh_installsystemd --name=update-xrpld --no-start update-xrpld.service update-xrpld.timer
+	dh_installsystemd --name=update-xrpld --no-enable --no-start update-xrpld.service update-xrpld.timer
 
 execute_before_dh_installtmpfiles:
 	dh_installsysusers
diff --git a/package/shared/update-xrpld.timer b/package/shared/update-xrpld.timer
index 21dabf1400..9fba09d30a 100644
--- a/package/shared/update-xrpld.timer
+++ b/package/shared/update-xrpld.timer
@@ -3,7 +3,7 @@ Description=Daily xrpld update check
 
 [Timer]
 OnCalendar=*-*-* 00:00:00
-RandomizedDelaySec=24h
+RandomizedDelaySec=4h
 Persistent=true
 
 [Install]
diff --git a/package/shared/xrpld.service b/package/shared/xrpld.service
index 72b6cc9938..8e10ed2eee 100644
--- a/package/shared/xrpld.service
+++ b/package/shared/xrpld.service
@@ -2,14 +2,15 @@
 Description=XRP Ledger Daemon
 After=network-online.target
 Wants=network-online.target
-StartLimitIntervalSec=300
+StartLimitIntervalSec=5min
 StartLimitBurst=5
 
 [Service]
 Type=simple
 ExecStart=/usr/bin/xrpld --net --silent --conf /etc/xrpld/xrpld.cfg
-Restart=always
+Restart=on-failure
 RestartSec=5s
+TimeoutStopSec=5min
 NoNewPrivileges=true
 ProtectSystem=full
 ProtectHome=true
diff --git a/src/libxrpl/basics/Number.cpp b/src/libxrpl/basics/Number.cpp
index 11f5934b04..275d82d8c9 100644
--- a/src/libxrpl/basics/Number.cpp
+++ b/src/libxrpl/basics/Number.cpp
@@ -178,6 +178,10 @@ public:
     setPositive() noexcept;
     void
     setNegative() noexcept;
+    // Should only be called by doNormalize, and then only for division
+    // operations with remainders.
+    void
+    setDropped() noexcept;
     [[nodiscard]] bool
     isNegative() const noexcept;
 
@@ -250,6 +254,12 @@ Number::Guard::setNegative() noexcept
     sbit_ = 1;
 }
 
+inline void
+Number::Guard::setDropped() noexcept
+{
+    xbit_ = 1;
+}
+
 inline bool
 Number::Guard::isNegative() const noexcept
 {
@@ -398,7 +408,7 @@ Number::Guard::doRoundUp(
                 // _don't_ increment the mantissa. Instead, divide and round recursively. It should
                 // be impossible to recurse more than once, because once the mantissa is divided by
                 // 10, it will be _well_ under maxMantissa and kMaxRep, so adding 1 will have no
-                // change of bringing it back over.
+                // chance of bringing it back over.
                 doDropDigit(mantissa, exponent);
                 XRPL_ASSERT_PARTS(
                     safeToIncrement(mantissa),
@@ -512,8 +522,6 @@ Number::one()
     return Number{false, range.min, -range.log, Number::Unchecked{}};
 }
 
-// Use the member names in this static function for now so the diff is cleaner
-// TODO: Rename the function parameters to get rid of the "_" suffix
 template <class T>
 void
 doNormalize(
@@ -522,7 +530,8 @@ doNormalize(
     int& exponent,
     MantissaRange::rep const& minMantissa,
     MantissaRange::rep const& maxMantissa,
-    MantissaRange::CuspRoundingFix cuspRoundingFixEnabled)
+    MantissaRange::CuspRoundingFix cuspRoundingFixEnabled,
+    bool dropped)
 {
     static constexpr auto kMinExponent = Number::kMinExponent;
     static constexpr auto kMaxExponent = Number::kMaxExponent;
@@ -547,6 +556,8 @@ doNormalize(
     Guard g;
     if (negative)
         g.setNegative();
+    if (dropped)
+        g.setDropped();
     while (m > maxMantissa)
     {
         if (exponent >= kMaxExponent)
@@ -611,7 +622,12 @@ Number::normalize<uint128_t>(
     internalrep const& maxMantissa,
     MantissaRange::CuspRoundingFix cuspRoundingFixEnabled)
 {
-    doNormalize(negative, mantissa, exponent, minMantissa, maxMantissa, cuspRoundingFixEnabled);
+    // Not used by every compiler version, and thus not necessarily
+    // counted by coverage build
+    // LCOV_EXCL_START
+    doNormalize(
+        negative, mantissa, exponent, minMantissa, maxMantissa, cuspRoundingFixEnabled, false);
+    // LCOV_EXCL_STOP
 }
 
 template <>
@@ -624,7 +640,12 @@ Number::normalize<unsigned long long>(
     internalrep const& maxMantissa,
     MantissaRange::CuspRoundingFix cuspRoundingFixEnabled)
 {
-    doNormalize(negative, mantissa, exponent, minMantissa, maxMantissa, cuspRoundingFixEnabled);
+    // Not used by every compiler version, and thus not necessarily
+    // counted by coverage build
+    // LCOV_EXCL_START
+    doNormalize(
+        negative, mantissa, exponent, minMantissa, maxMantissa, cuspRoundingFixEnabled, false);
+    // LCOV_EXCL_STOP
 }
 
 template <>
@@ -637,7 +658,8 @@ Number::normalize<unsigned long>(
     internalrep const& maxMantissa,
     MantissaRange::CuspRoundingFix cuspRoundingFixEnabled)
 {
-    doNormalize(negative, mantissa, exponent, minMantissa, maxMantissa, cuspRoundingFixEnabled);
+    doNormalize(
+        negative, mantissa, exponent, minMantissa, maxMantissa, cuspRoundingFixEnabled, false);
 }
 
 void
@@ -838,7 +860,9 @@ Number::operator/=(Number const& y)
         return *this;
     // n* = numerator
     // d* = denominator
-    // *p = negative (positive?)
+    // z* = result (quotient)
+    // *p = negative (p for positive, even though the value means not
+    //      positive?)
     // *s = sign
     // *m = mantissa
     // *e = exponent
@@ -850,71 +874,155 @@ Number::operator/=(Number const& y)
 
     bool const dp = y.negative_;
     int const ds = (dp ? -1 : 1);
-    auto dm = y.mantissa_;
-    auto de = y.exponent_;
+    // Create the denominator as 128-bit unsigned, since that's what we
+    // need to work with.
+    uint128_t const dm = static_cast<uint128_t>(y.mantissa_);
+    auto const de = y.exponent_;
 
     auto const& range = kRange.get();
     auto const& minMantissa = range.min;
     auto const& maxMantissa = range.max;
     auto const cuspRoundingFixEnabled = range.cuspRoundingFixEnabled;
 
-    // Shift by 10^17 gives greatest precision while not overflowing
-    // uint128_t or the cast back to int64_t
-    // TODO: Can/should this be made bigger for largeRange?
-    // log(2^128,10) ~ 38.5
-    // largeRange.log = 18, fits in 10^19
-    // f can be up to 10^(38-19) = 10^19 safely
-    bool const small = Number::getMantissaScale() == MantissaRange::MantissaScale::Small;
-    uint128_t const f = small ? 100'000'000'000'000'000 : 10'000'000'000'000'000'000ULL;
-    XRPL_ASSERT_PARTS(f >= minMantissa * 10, "Number::operator/=", "factor expected size");
+    // Division operates on two large integers (16-digit for small
+    // mantissas, 19-digit for large) using integer math. If the values
+    // were just divided directly, the result would be only ever be one
+    // digit or zero - not very useful.
+    // e.g. 9'876'543'210'987'654 / 1'234'567'890'123'456 = 8
+    //      1'234'567'890'123'456 / 9'876'543'210'987'654 = 0
+    // Introduce a power-of-ten multiplication factor for the numerator
+    // which will ensure the result has a meaningful number of digits.
+    //
+    // Consider numbers with a 2-digit mantissa:
+    // * Assume both numbers have an exponent of 0, using "ToNearest" rounding
+    // * 23 / 67 = 0
+    // * Use a factor of 10^4
+    // * 230'000 / 67 = 3432 with an exponent of -4
+    // * The normalized result will be 34, exponent -2, or 0.34
+    //
+    // The most extreme results are 10/99 and 99/10
+    // * 100'000 / 99 =  1'010e-4 = 10e-2 or 0.10
+    // * 990'000 / 10 = 99'000e-4 = 99e-1 or 9.9
+    //
+    // Note that the computations give 2 or 3 digits after the
+    // decimal point to determine which way to round for most scenarios.
+    //
+    // For small mantissas (where the MantissaRange.log == 15), shifting by 10^17 gives sufficient
+    // precision while not overflowing uint128_t or the cast back to int64_t. (This is legacy
+    // behavior, which must not be changed.)
+    //
+    // For large mantissas (where the MantissaRange.log == 18), a shift by 10^20 would be optimal
+    // for most scenarios. However, larger mantissa values would overflow 2^128.
+    //
+    // * log(2^128,10) ~ 38.5
+    // * largeRange.log = 18, fits in 10^19
+    // * The expanded numerator must fit in 10^38
+    // * f not be more than 10^(38-19) = 10^19 safely
+    //
+    // So, we do the division into stages:
+    //
+    // Stage 1: Use the same factor of 10^17, for the initial division. This
+    // will frequently not result in a whole number quotient.
+    //
+    // Stage 2: If there is a remainder from the first step, repeat the
+    // process with a "correction" factor of 10^5. Shift the
+    // result of Stage 1 over by 5 places, and add the second result to it.
+    // This is equivalent to if we had used an initial factor of 10^22,
+    // a couple digits more than we actually need.
+    //
+    // Stage 3: If there is still a remainder, and the CuspRoundingFix
+    // is enabled, pass a flag indicating such to doNormalize. The Guard
+    // in doNormalize will treat that flag as if non-zero digits had
+    // been dropped from the mantissa when shrinking it into range.
+    // This is only relevant when rounding away from zero (Upward for
+    // positive numbers, Downward for negative), or if the "regular"
+    // remainder is exactly 0.5 for "ToNearest". This will give the
+    // rounding the most accurate result possible, as if infinite
+    // precision was used in the initial calculation.
 
-    // unsigned denominator
-    auto const dmu = static_cast<uint128_t>(dm);
-    // correctionFactor can be anything between 10 and f, depending on how much
-    // extra precision we want to only use for rounding with the
-    // largeRange. Three digits seems like plenty, and is more than
-    // the smallRange uses.
-    uint128_t const correctionFactor = 1'000;
+    // Stage 1: Do the initial division with a factor of 10^17.
+    auto constexpr factorExponent = 17;
+
+    uint128_t constexpr f = kPowerOfTen[factorExponent];
 
     auto const numerator = uint128_t(nm) * f;
 
-    auto zm = numerator / dmu;
-    auto ze = ne - de - (small ? 17 : 19);
-    bool zn = (ns * ds) < 0;
-    if (!small)
+    auto zm = numerator / dm;
+    auto ze = ne - de - factorExponent;
+    bool zp = (ns * ds) < 0;
+    // dropped is used in the same way as Guard::xbit_. In the case of
+    // division, it indicates if there's any remainder left over after
+    // we have been as precise as reasonable. If there is, it would be as
+    // if we were using infinite precision math, and a non-zero digit
+    // had been shifted off the end of the result when normalizing.
+    bool dropped = false;
+
+    if (range.scale != MantissaRange::MantissaScale::Small)
     {
-        // Virtually multiply numerator by correctionFactor. Since that would
-        // overflow in the existing uint128_t, we'll do that part separately.
+        // Stage 2
+        //
+        // If there is a remainder, treat it as a secondary numerator.
+        // Multiply by correctionFactor separately from stage 1.
         // The math for this would work for small mantissas, but we need to
-        // preserve existing behavior.
+        // preserve legacy behavior.
         //
         // Consider:
-        // ((numerator * correctionFactor) / dmu) / correctionFactor
-        // = ((numerator / dmu) * correctionFactor) / correctionFactor)
+        // ((numerator * correctionFactor) / dm) / correctionFactor
+        // = ((numerator / dm) * correctionFactor) / correctionFactor)
         //
         // But that assumes infinite precision. With integer math, this is
         // equivalent to
         //
-        // = ((numerator / dmu * correctionFactor)
-        //   + ((numerator % dmu) * correctionFactor) / dmu) / correctionFactor
+        // = ((numerator / dm * correctionFactor)
+        //   + ((numerator % dm) * correctionFactor) / dm) / correctionFactor
+        // = ((zm * correctionFactor)
+        //   + (remainder * correctionFactor) / dm) / correctionFactor
         //
-        // We have already set `mantissa_ = numerator / dmu`. Now we
-        // compute `remainder = numerator % dmu`, and if it is
-        // nonzero, we do the rest of the arithmetic. If it's zero, we can skip
-        // it.
-        auto const remainder = (numerator % dmu);
+        // The trick is that multiplication by correctionFactor is done on the mantissa, but
+        // division by correctionFactor is done by modifying the exponent, so no precision is lost
+        // until we normalize.
+        //
+        // If remainder is zero, we can skip this stage entirely because
+        // the first stage gave an exact answer.
+        auto constexpr correctionExponent = 5;
+        uint128_t constexpr correctionFactor = kPowerOfTen[correctionExponent];
+        static_assert(factorExponent + correctionExponent == 22);
+
+        auto const remainder = (numerator % dm);
         if (remainder != 0)
         {
-            zm *= correctionFactor;
-            auto const correction = remainder * correctionFactor / dmu;
-            zm += correction;
-            // divide by 1000 by moving the exponent, so we don't lose the
-            // integer value we just computed
-            ze -= 3;
+            auto const partialNumerator = remainder * correctionFactor;
+            auto const correction = partialNumerator / dm;
+
+            // If the correction is zero, we do not have to make any
+            // modifications to z*, because it will not have any
+            // effect on the final result. (We'd be adding a bunch of
+            // zeros to the end of zm that would just be removed in
+            // normalize.) However, if that is the case, then Stage 3 is
+            // even more important for accuracy.
+            if (correction != 0)
+            {
+                zm *= correctionFactor;
+                // divide by the correctionFactor by moving the exponent, so we don't lose the
+                // integer value we just computed
+                ze -= correctionExponent;
+
+                zm += correction;
+            }
+
+            // Stage 3: If there's still anything left, and the cusp
+            // rounding fix is enabled, flag if there is still
+            // a remainder from stage 2.
+            bool const useTrailingRemainder =
+                cuspRoundingFixEnabled == MantissaRange::CuspRoundingFix::Enabled;
+            if (useTrailingRemainder)
+            {
+                dropped = partialNumerator % dm != 0;
+            }
         }
     }
-    normalize(zn, zm, ze, minMantissa, maxMantissa, cuspRoundingFixEnabled);
-    negative_ = zn;
+    doNormalize(zp, zm, ze, minMantissa, maxMantissa, cuspRoundingFixEnabled, dropped);
+    negative_ = zp;
     mantissa_ = static_cast<internalrep>(zm);
     exponent_ = ze;
     XRPL_ASSERT_PARTS(isnormal(), "xrpl::Number::operator/=", "result is normalized");
diff --git a/src/libxrpl/ledger/helpers/LendingHelpers.cpp b/src/libxrpl/ledger/helpers/LendingHelpers.cpp
index 9cda5905c9..15ebf33e46 100644
--- a/src/libxrpl/ledger/helpers/LendingHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/LendingHelpers.cpp
@@ -559,15 +559,34 @@ tryOverpayment(
                     << ", new total value: " << newLoanProperties.loanState.valueOutstanding
                     << ", first payment principal: " << newLoanProperties.firstPaymentPrincipal;
 
-    // Calculate what the new loan state should be with the new periodic payment
-    // including rounding errors
-    auto const newTheoreticalState = computeTheoreticalLoanState(
-                                         rules,
-                                         newLoanProperties.periodicPayment,
-                                         periodicRate,
-                                         paymentRemaining,
-                                         managementFeeRate) +
-        errors;
+    // Calculate what the new loan state should be with the new periodic payment,
+    // including the preserved rounding errors.
+
+    auto const newTheoreticalState = [&]() {
+        auto const state = computeTheoreticalLoanState(
+                               rules,
+                               newLoanProperties.periodicPayment,
+                               periodicRate,
+                               paymentRemaining,
+                               managementFeeRate) +
+            errors;
+
+        if (!rules.enabled(fixCleanup3_2_0))
+            return state;
+
+        // The new principal is known exactly: it is reduced by the overpayment's
+        // principal portion. computeTheoreticalLoanState instead derives the
+        // principal -- and, from it, the management fee and interest -- via a
+        // lossy (P * factor) / factor round-trip. Pin the principal to the exact
+        // value and re-derive the management fee from the exact interest gross
+        // (value - principal), so the intermediate state is fully consistent with
+        // the exact principal rather than the one-scale-unit-high round-trip.
+        Number const principal =
+            roundedOldState.principalOutstanding - overpaymentComponents.trackedPrincipalDelta;
+        Number const managementFee =
+            tenthBipsOfValue(state.valueOutstanding - principal, managementFeeRate);
+        return constructLoanState(state.valueOutstanding, principal, managementFee);
+    }();
 
     JLOG(j.debug()) << "new theoretical value: " << newTheoreticalState.valueOutstanding
                     << ", principal: " << newTheoreticalState.principalOutstanding
@@ -762,13 +781,6 @@ doOverpayment(
     // The proxies still hold the original (pre-overpayment) values, which
     // allows us to compute deltas and verify they match what we expect
     // from the overpaymentComponents and loanPaymentParts.
-
-    XRPL_ASSERT_PARTS(
-        overpaymentComponents.trackedPrincipalDelta ==
-            principalOutstandingProxy - newRoundedLoanState.principalOutstanding,
-        "xrpl::detail::doOverpayment",
-        "principal change agrees");
-
     JLOG(j.debug()) << "valueChange: " << loanPaymentParts.valueChange
                     << ", totalValue before: " << *totalValueOutstandingProxy
                     << ", totalValue after: " << newRoundedLoanState.valueOutstanding
@@ -780,35 +792,50 @@ doOverpayment(
                     << overpaymentComponents.trackedPrincipalDelta -
             (totalValueOutstandingProxy - newRoundedLoanState.valueOutstanding);
 
-    // The valueChange returned by tryOverpayment satisfies
-    //   valueChange = (newInterestDue - oldInterestDue) + untrackedInterest.
-    // Using the loan-state identity v = p + i + m and the adjacent
-    // `principal change agrees` assertion (dp = oldP - newP), this
-    // rearranges into three independently-computable terms:
-    //
-    //   1. TVO change beyond what principal repayment alone explains:
-    //        newTVO - (oldTVO - dp)
-    //   2. Management fee released by re-amortization (positive when
-    //      mfee decreased; zero when managementFeeRate == 0):
-    //        oldMfee - newMfee
-    //   3. The overpayment's penalty interest part (= untrackedInterest
-    //      for the overpayment path; see computeOverpaymentComponents):
-    //        trackedInterestPart()
-    [[maybe_unused]] Number const tvoChange = newRoundedLoanState.valueOutstanding -
-        (totalValueOutstandingProxy - overpaymentComponents.trackedPrincipalDelta);
-    [[maybe_unused]] Number const managementFeeReleased =
-        managementFeeOutstandingProxy - newRoundedLoanState.managementFeeDue;
-    [[maybe_unused]] Number const interestPart = overpaymentComponents.trackedInterestPart();
+    // The three assertions below are invariants that only hold once
+    // fixCleanup3_2_0 pins the new principal to the exact reduction
+    // (oldPrincipal - trackedPrincipalDelta). Before the amendment, the lossy
+    // (P * factor) / factor round-trip can leave the new principal one
+    // scale-unit high, so these equalities do not hold on the pre-amendment
+    // code path and must be gated to match the fix they verify.
+    if (rules.enabled(fixCleanup3_2_0))
+    {
+        // The valueChange returned by tryOverpayment satisfies
+        //   valueChange = (newInterestDue - oldInterestDue) + untrackedInterest.
+        // Using the loan-state identity v = p + i + m and the adjacent
+        // `principal change agrees` assertion (dp = oldP - newP), this
+        // rearranges into three independently-computable terms:
+        //
+        //   1. TVO change beyond what principal repayment alone explains:
+        //        newTVO - (oldTVO - dp)
+        //   2. Management fee released by re-amortization (positive when
+        //      mfee decreased; zero when managementFeeRate == 0):
+        //        oldMfee - newMfee
+        //   3. The overpayment's penalty interest part (= untrackedInterest
+        //      for the overpayment path; see computeOverpaymentComponents):
+        //        trackedInterestPart()
+        [[maybe_unused]] Number const tvoChange = newRoundedLoanState.valueOutstanding -
+            (totalValueOutstandingProxy - overpaymentComponents.trackedPrincipalDelta);
+        [[maybe_unused]] Number const managementFeeReleased =
+            managementFeeOutstandingProxy - newRoundedLoanState.managementFeeDue;
+        [[maybe_unused]] Number const interestPart = overpaymentComponents.trackedInterestPart();
 
-    XRPL_ASSERT_PARTS(
-        loanPaymentParts.valueChange == tvoChange + managementFeeReleased + interestPart,
-        "xrpl::detail::doOverpayment",
-        "interest paid agrees");
+        XRPL_ASSERT_PARTS(
+            overpaymentComponents.trackedPrincipalDelta ==
+                principalOutstandingProxy - newRoundedLoanState.principalOutstanding,
+            "xrpl::detail::doOverpayment",
+            "principal change agrees");
 
-    XRPL_ASSERT_PARTS(
-        overpaymentComponents.trackedPrincipalDelta == loanPaymentParts.principalPaid,
-        "xrpl::detail::doOverpayment",
-        "principal payment matches");
+        XRPL_ASSERT_PARTS(
+            loanPaymentParts.valueChange == tvoChange + managementFeeReleased + interestPart,
+            "xrpl::detail::doOverpayment",
+            "interest paid agrees");
+
+        XRPL_ASSERT_PARTS(
+            overpaymentComponents.trackedPrincipalDelta == loanPaymentParts.principalPaid,
+            "xrpl::detail::doOverpayment",
+            "principal payment matches");
+    }
 
     // All validations passed, so update the proxy objects (which will
     // modify the actual Loan ledger object)
@@ -1144,11 +1171,13 @@ computePaymentComponents(
     // Cap each component to never exceed what's actually outstanding
     deltas.principal = std::min(deltas.principal, currentLedgerState.principalOutstanding);
 
-    XRPL_ASSERT_PARTS(
-        deltas.interest <= currentLedgerState.interestDue,
-        "xrpl::detail::computePaymentComponents",
-        "interest due delta not greater than outstanding");
-
+    if (fixCleanup320Enabled)
+    {
+        XRPL_ASSERT_PARTS(
+            deltas.interest <= currentLedgerState.interestDue,
+            "xrpl::detail::computePaymentComponents",
+            "interest due delta not greater than outstanding");
+    }
     // Cap interest to both the outstanding amount AND what's left of the
     // periodic payment after principal is paid
     deltas.interest = std::min(
@@ -1289,6 +1318,7 @@ computePaymentComponents(
  */
 ExtendedPaymentComponents
 computeOverpaymentComponents(
+    Rules const& rules,
     Asset const& asset,
     int32_t const loanScale,
     Number const& overpayment,
@@ -1296,10 +1326,13 @@ computeOverpaymentComponents(
     TenthBips32 const overpaymentFeeRate,
     TenthBips16 const managementFeeRate)
 {
-    XRPL_ASSERT(
-        overpayment > 0 && isRounded(asset, overpayment, loanScale),
-        "xrpl::detail::computeOverpaymentComponents : valid overpayment "
-        "amount");
+    if (rules.enabled(fixCleanup3_2_0))
+    {
+        XRPL_ASSERT(
+            overpayment > 0 && isRounded(asset, overpayment, loanScale),
+            "xrpl::detail::computeOverpaymentComponents : valid overpayment "
+            "amount");
+    }
 
     // First, deduct the fixed overpayment fee from the total amount.
     // This reduces the effective payment that will be applied to the loan.
@@ -2055,6 +2088,7 @@ loanMakePayment(
         {
             detail::ExtendedPaymentComponents const overpaymentComponents =
                 detail::computeOverpaymentComponents(
+                    view.rules(),
                     asset,
                     loanScale,
                     overpayment,
diff --git a/src/libxrpl/ledger/helpers/PermissionedDEXHelpers.cpp b/src/libxrpl/ledger/helpers/PermissionedDEXHelpers.cpp
index 0151c5b2df..f8653f7111 100644
--- a/src/libxrpl/ledger/helpers/PermissionedDEXHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/PermissionedDEXHelpers.cpp
@@ -3,6 +3,8 @@
 #include <xrpl/basics/Log.h>
 #include <xrpl/basics/base_uint.h>
 #include <xrpl/beast/utility/Journal.h>
+#include <xrpl/beast/utility/Zero.h>
+#include <xrpl/beast/utility/instrumentation.h>
 #include <xrpl/ledger/ReadView.h>
 #include <xrpl/ledger/helpers/CredentialHelpers.h>
 #include <xrpl/protocol/AccountID.h>
@@ -19,6 +21,16 @@ namespace xrpl::permissioned_dex {
 bool
 accountInDomain(ReadView const& view, AccountID const& account, Domain const& domainID)
 {
+    // Avoid constructing a zero-key PermissionedDomain keylet.
+    // keylet::permissionedDomain(uint256) uses the DomainID as the ledger key.
+    if (view.rules().enabled(fixCleanup3_2_0) && domainID == beast::kZero)
+    {
+        // LCOV_EXCL_START
+        UNREACHABLE("xrpl::permissioned_dex::accountInDomain : domainID is zero");
+        return false;
+        // LCOV_EXCL_STOP
+    }
+
     auto const sleDomain = view.read(keylet::permissionedDomain(domainID));
     if (!sleDomain)
         return false;
diff --git a/src/libxrpl/nodestore/DatabaseNodeImp.cpp b/src/libxrpl/nodestore/DatabaseNodeImp.cpp
index a51c34079b..9323d69131 100644
--- a/src/libxrpl/nodestore/DatabaseNodeImp.cpp
+++ b/src/libxrpl/nodestore/DatabaseNodeImp.cpp
@@ -24,6 +24,13 @@ DatabaseNodeImp::store(NodeObjectType type, Blob&& data, uint256 const& hash, st
 
     auto obj = NodeObject::createObject(type, std::move(data), hash);
     backend_->store(obj);
+    if (cache_)
+    {
+        // After the store, replace a negative cache entry if there is one
+        cache_->canonicalize(hash, obj, [](std::shared_ptr<NodeObject> const& n) {
+            return n->getType() == NodeObjectType::Dummy;
+        });
+    }
 }
 
 void
@@ -32,9 +39,25 @@ DatabaseNodeImp::asyncFetch(
     std::uint32_t ledgerSeq,
     std::function<void(std::shared_ptr<NodeObject> const&)>&& callback)
 {
+    if (cache_)
+    {
+        std::shared_ptr<NodeObject> const obj = cache_->fetch(hash);
+        if (obj)
+        {
+            callback(obj->getType() == NodeObjectType::Dummy ? nullptr : obj);
+            return;
+        }
+    }
     Database::asyncFetch(hash, ledgerSeq, std::move(callback));
 }
 
+void
+DatabaseNodeImp::sweep()
+{
+    if (cache_)
+        cache_->sweep();
+}
+
 std::shared_ptr<NodeObject>
 DatabaseNodeImp::fetchNodeObject(
     uint256 const& hash,
@@ -42,32 +65,58 @@ DatabaseNodeImp::fetchNodeObject(
     FetchReport& fetchReport,
     bool duplicate)
 {
-    std::shared_ptr<NodeObject> nodeObject = nullptr;
-    Status status = Status::Ok;
+    std::shared_ptr<NodeObject> nodeObject = cache_ ? cache_->fetch(hash) : nullptr;
+    if (!nodeObject)
+    {
+        JLOG(j_.trace()) << "fetchNodeObject " << hash << ": record not "
+                         << (cache_ ? "cached" : "found");
 
-    try
-    {
-        status = backend_->fetch(hash, &nodeObject);
-    }
-    catch (std::exception const& e)
-    {
-        JLOG(j_.fatal()) << "fetchNodeObject " << hash
-                         << ": Exception fetching from backend: " << e.what();
-        rethrow();
-    }
+        Status status = Status::Ok;
+        try
+        {
+            status = backend_->fetch(hash, &nodeObject);
+        }
+        catch (std::exception const& e)
+        {
+            JLOG(j_.fatal()) << "fetchNodeObject " << hash
+                             << ": Exception fetching from backend: " << e.what();
+            rethrow();
+        }
 
-    switch (status)
+        switch (status)
+        {
+            case Status::Ok:
+                if (cache_)
+                {
+                    if (nodeObject)
+                    {
+                        cache_->canonicalizeReplaceClient(hash, nodeObject);
+                    }
+                    else
+                    {
+                        auto notFound = NodeObject::createObject(NodeObjectType::Dummy, {}, hash);
+                        cache_->canonicalizeReplaceClient(hash, notFound);
+                        if (notFound->getType() != NodeObjectType::Dummy)
+                            nodeObject = notFound;
+                    }
+                }
+                break;
+            case Status::NotFound:
+                break;
+            case Status::DataCorrupt:
+                JLOG(j_.fatal()) << "fetchNodeObject " << hash << ": nodestore data is corrupted";
+                break;
+            default:
+                JLOG(j_.warn()) << "fetchNodeObject " << hash << ": backend returns unknown result "
+                                << static_cast<int>(status);
+                break;
+        }
+    }
+    else
     {
-        case Status::Ok:
-        case Status::NotFound:
-            break;
-        case Status::DataCorrupt:
-            JLOG(j_.fatal()) << "fetchNodeObject " << hash << ": nodestore data is corrupted";
-            break;
-        default:
-            JLOG(j_.warn()) << "fetchNodeObject " << hash << ": backend returns unknown result "
-                            << static_cast<int>(status);
-            break;
+        JLOG(j_.trace()) << "fetchNodeObject " << hash << ": record found in cache";
+        if (nodeObject->getType() == NodeObjectType::Dummy)
+            nodeObject.reset();
     }
 
     if (nodeObject)
diff --git a/src/libxrpl/nodestore/DatabaseRotatingImp.cpp b/src/libxrpl/nodestore/DatabaseRotatingImp.cpp
index 24b0e2de2e..1de6a83b4c 100644
--- a/src/libxrpl/nodestore/DatabaseRotatingImp.cpp
+++ b/src/libxrpl/nodestore/DatabaseRotatingImp.cpp
@@ -113,6 +113,12 @@ DatabaseRotatingImp::store(NodeObjectType type, Blob&& data, uint256 const& hash
     storeStats(1, nObj->getData().size());
 }
 
+void
+DatabaseRotatingImp::sweep()
+{
+    // Nothing to do.
+}
+
 std::shared_ptr<NodeObject>
 DatabaseRotatingImp::fetchNodeObject(
     uint256 const& hash,
diff --git a/src/libxrpl/protocol/BuildInfo.cpp b/src/libxrpl/protocol/BuildInfo.cpp
index 2e33d03088..7de1862dfc 100644
--- a/src/libxrpl/protocol/BuildInfo.cpp
+++ b/src/libxrpl/protocol/BuildInfo.cpp
@@ -23,7 +23,7 @@ namespace {
 //------------------------------------------------------------------------------
 // clang-format off
 // NOLINTNEXTLINE(readability-identifier-naming)
-char const* const versionString = "3.2.0-rc2"
+char const* const versionString = "3.2.0-rc3"
     // clang-format on
     ;
 
diff --git a/src/libxrpl/telemetry/NullTelemetry.cpp b/src/libxrpl/telemetry/NullTelemetry.cpp
index 812220acdb..41d7aed635 100644
--- a/src/libxrpl/telemetry/NullTelemetry.cpp
+++ b/src/libxrpl/telemetry/NullTelemetry.cpp
@@ -10,14 +10,18 @@
     its own factory that can return the real TelemetryImpl.
 */
 
-#include <xrpl/beast/utility/Journal.h>
 #include <xrpl/telemetry/Telemetry.h>
 
 #include <memory>
 #include <utility>
 
 #ifdef XRPL_ENABLE_TELEMETRY
+#include <opentelemetry/context/context.h>
+#include <opentelemetry/nostd/shared_ptr.h>
 #include <opentelemetry/trace/noop.h>
+#include <opentelemetry/trace/span.h>
+#include <opentelemetry/trace/span_metadata.h>
+#include <opentelemetry/trace/tracer.h>
 
 #include <string_view>
 #endif
diff --git a/src/libxrpl/telemetry/SpanGuard.cpp b/src/libxrpl/telemetry/SpanGuard.cpp
index c189c0ec99..4fd4c3e4a3 100644
--- a/src/libxrpl/telemetry/SpanGuard.cpp
+++ b/src/libxrpl/telemetry/SpanGuard.cpp
@@ -34,7 +34,6 @@
 #include <opentelemetry/trace/span.h>
 #include <opentelemetry/trace/span_metadata.h>
 #include <opentelemetry/trace/span_startoptions.h>
-#include <opentelemetry/trace/tracer.h>
 
 #include <cstdint>
 #include <exception>
diff --git a/src/libxrpl/tx/transactors/dex/OfferCreate.cpp b/src/libxrpl/tx/transactors/dex/OfferCreate.cpp
index 8bf69d25c0..f982837c5e 100644
--- a/src/libxrpl/tx/transactors/dex/OfferCreate.cpp
+++ b/src/libxrpl/tx/transactors/dex/OfferCreate.cpp
@@ -94,6 +94,12 @@ OfferCreate::preflight(PreflightContext const& ctx)
     if (tx.isFlag(tfHybrid) && !tx.isFieldPresent(sfDomainID))
         return temINVALID_FLAG;
 
+    // A zero DomainID is invalid for a PermissionedDomain ledger entry because
+    // keylet::permissionedDomain(uint256) uses the DomainID as the ledger key.
+    if (auto const domainID = tx[~sfDomainID];
+        ctx.rules.enabled(fixCleanup3_2_0) && domainID && *domainID == beast::kZero)
+        return temMALFORMED;
+
     bool const bImmediateOrCancel(tx.isFlag(tfImmediateOrCancel));
     bool const bFillOrKill(tx.isFlag(tfFillOrKill));
 
diff --git a/src/libxrpl/tx/transactors/payment/Payment.cpp b/src/libxrpl/tx/transactors/payment/Payment.cpp
index 1848d34786..d7ad5d3b3c 100644
--- a/src/libxrpl/tx/transactors/payment/Payment.cpp
+++ b/src/libxrpl/tx/transactors/payment/Payment.cpp
@@ -125,6 +125,12 @@ Payment::preflight(PreflightContext const& ctx)
     if (!mpTokensV2 && isDstMPT && ctx.tx.isFieldPresent(sfPaths))
         return temMALFORMED;
 
+    // A zero DomainID is invalid for a PermissionedDomain ledger entry because
+    // keylet::permissionedDomain(uint256) uses the DomainID as the ledger key.
+    if (auto const domainID = tx[~sfDomainID];
+        ctx.rules.enabled(fixCleanup3_2_0) && domainID && *domainID == beast::kZero)
+        return temMALFORMED;
+
     bool const partialPaymentAllowed = tx.isFlag(tfPartialPayment);
     bool const limitQuality = tx.isFlag(tfLimitQuality);
     bool const defaultPathsAllowed = !tx.isFlag(tfNoRippleDirect);
diff --git a/src/test/app/LendingHelpers_test.cpp b/src/test/app/LendingHelpers_test.cpp
index af46dd2e0f..ac8e0764fc 100644
--- a/src/test/app/LendingHelpers_test.cpp
+++ b/src/test/app/LendingHelpers_test.cpp
@@ -17,6 +17,7 @@
 
 #include <cstdint>
 #include <memory>
+#include <optional>
 #include <string>
 #include <vector>
 
@@ -513,7 +514,9 @@ class LendingHelpers_test : public beast::unit_test::Suite
         auto const expectedOverpaymentManagementFee = Number{10};   // 10% of 100
         auto const expectedPrincipalPortion = Number{400};          // 1,000 - 100 - 500
 
+        Env const env{*this};
         auto const components = xrpl::detail::computeOverpaymentComponents(
+            env.current()->rules(),
             iou,
             loanScale,
             overpayment,
@@ -854,7 +857,13 @@ class LendingHelpers_test : public beast::unit_test::Suite
         Number const overpaymentAmount{50};
 
         auto const overpaymentComponents = computeOverpaymentComponents(
-            asset, loanScale, overpaymentAmount, TenthBips32(0), TenthBips32(0), managementFeeRate);
+            env.current()->rules(),
+            asset,
+            loanScale,
+            overpaymentAmount,
+            TenthBips32(0),
+            TenthBips32(0),
+            managementFeeRate);
 
         auto const loanProperties = computeLoanProperties(
             env.current()->rules(),
@@ -942,6 +951,7 @@ class LendingHelpers_test : public beast::unit_test::Suite
         auto const periodicRate = loanPeriodicRate(loanInterestRate, paymentInterval);
 
         auto const overpaymentComponents = computeOverpaymentComponents(
+            env.current()->rules(),
             asset,
             loanScale,
             Number{50, 0},
@@ -1037,6 +1047,7 @@ class LendingHelpers_test : public beast::unit_test::Suite
         auto const periodicRate = loanPeriodicRate(loanInterestRate, paymentInterval);
 
         auto const overpaymentComponents = computeOverpaymentComponents(
+            env.current()->rules(),
             asset,
             loanScale,
             Number{50, 0},
@@ -1138,6 +1149,7 @@ class LendingHelpers_test : public beast::unit_test::Suite
         auto const periodicRate = loanPeriodicRate(loanInterestRate, paymentInterval);
 
         auto const overpaymentComponents = computeOverpaymentComponents(
+            env.current()->rules(),
             asset,
             loanScale,
             Number{50, 0},
@@ -1247,6 +1259,7 @@ class LendingHelpers_test : public beast::unit_test::Suite
         auto const periodicRate = loanPeriodicRate(loanInterestRate, paymentInterval);
 
         auto const overpaymentComponents = computeOverpaymentComponents(
+            env.current()->rules(),
             asset,
             loanScale,
             Number{50, 0},
@@ -1344,7 +1357,6 @@ class LendingHelpers_test : public beast::unit_test::Suite
         using namespace jtx;
         using namespace xrpl::detail;
 
-        Env const env{*this};
         Account const issuer{"issuer"};
         PrettyAsset const asset = issuer["USD"];
         std::int32_t const loanScale = -5;
@@ -1355,7 +1367,9 @@ class LendingHelpers_test : public beast::unit_test::Suite
         std::uint32_t const paymentsRemaining = 10;
         auto const periodicRate = loanPeriodicRate(loanInterestRate, paymentInterval);
 
+        Env const env{*this};
         auto const overpaymentComponents = computeOverpaymentComponents(
+            env.current()->rules(),
             asset,
             loanScale,
             Number{50, 0},
@@ -1363,87 +1377,97 @@ class LendingHelpers_test : public beast::unit_test::Suite
             TenthBips32(10'000),  // 10% overpayment fee
             managementFeeRate);
 
-        auto const loanProperties = computeLoanProperties(
-            env.current()->rules(),
-            asset,
-            loanPrincipal,
-            loanInterestRate,
-            paymentInterval,
-            paymentsRemaining,
-            managementFeeRate,
-            loanScale);
+        struct Outcome
+        {
+            LoanPaymentParts parts;
+            LoanState oldState;
+            LoanState newState;
+        };
 
-        auto const ret = tryOverpayment(
-            env.current()->rules(),
-            asset,
-            loanScale,
-            overpaymentComponents,
-            loanProperties.loanState,
-            loanProperties.periodicPayment,
-            periodicRate,
-            paymentsRemaining,
-            managementFeeRate,
-            env.journal);
+        // Run tryOverpayment under a given amendment set. At this (non-near-zero)
+        // rate computeLoanProperties is amendment-independent, so the loan state
+        // is identical across the amendment; only tryOverpayment's fixCleanup3_2_0
+        // behaviour (the exact-principal pin and the management-fee re-derivation
+        // from that principal) differs.
+        auto run = [&](FeatureBitset features) -> std::optional<Outcome> {
+            Env const env{*this, features};
+            auto const loanProperties = computeLoanProperties(
+                env.current()->rules(),
+                asset,
+                loanPrincipal,
+                loanInterestRate,
+                paymentInterval,
+                paymentsRemaining,
+                managementFeeRate,
+                loanScale);
+            auto const ret = tryOverpayment(
+                env.current()->rules(),
+                asset,
+                loanScale,
+                overpaymentComponents,
+                loanProperties.loanState,
+                loanProperties.periodicPayment,
+                periodicRate,
+                paymentsRemaining,
+                managementFeeRate,
+                env.journal);
+            if (!BEAST_EXPECT(ret))
+                return std::nullopt;
+            return Outcome{
+                .parts = ret->first,
+                .oldState = loanProperties.loanState,
+                .newState = ret->second.loanState};
+        };
 
-        BEAST_EXPECT(ret);
+        auto const fixedOpt = run(testableAmendments());
+        auto const legacyOpt = run(testableAmendments() - fixCleanup3_2_0);
+        if (!fixedOpt || !legacyOpt)
+        {
+            BEAST_EXPECT(fixedOpt.has_value());
+            BEAST_EXPECT(legacyOpt.has_value());
+            return;
+        }
+        Outcome const& fixed = *fixedOpt;
+        Outcome const& legacy = *legacyOpt;
 
-        auto const& [actualPaymentParts, newLoanProperties] = *ret;
-        auto const& newState = newLoanProperties.loanState;
+        // Components that the amendment does not change. The management fee is
+        // charged against the overpayment interest portion first, so interest
+        // paid stays 4.5 and fee paid 5.5; the principal repaid is 40 in both.
+        auto checkCommon = [&](Outcome const& o, char const* tag) {
+            BEAST_EXPECTS(
+                (o.parts.interestPaid == Number{45, -1}),
+                std::string(tag) + " interestPaid " + to_string(o.parts.interestPaid));
+            BEAST_EXPECTS(
+                (o.parts.feePaid == Number{55, -1}),
+                std::string(tag) + " feePaid " + to_string(o.parts.feePaid));
+            BEAST_EXPECTS(
+                o.parts.principalPaid == 40,
+                std::string(tag) + " principalPaid " + to_string(o.parts.principalPaid));
+            BEAST_EXPECT(
+                o.parts.principalPaid ==
+                o.oldState.principalOutstanding - o.newState.principalOutstanding);
+            // v = p + i + m identity: the non-interest part of valueChange equals
+            // the interest-due change.
+            BEAST_EXPECT(
+                o.parts.valueChange - o.parts.interestPaid ==
+                o.newState.interestDue - o.oldState.interestDue);
+        };
+        checkCommon(fixed, "fixed");
+        checkCommon(legacy, "legacy");
 
-        // =========== VALIDATE PAYMENT PARTS ===========
-
-        // Since there is loan management fee, the fee is charged against
-        // overpayment interest portion first, so interest paid remains 4.5
-        BEAST_EXPECTS(
-            (actualPaymentParts.interestPaid == Number{45, -1}),
-            " interestPaid mismatch: expected 4.5, got " +
-                to_string(actualPaymentParts.interestPaid));
-
-        // With overpayment interest portion, value change should equal the
-        // interest decrease plus overpayment interest portion
-        BEAST_EXPECTS(
-            (actualPaymentParts.valueChange ==
-             Number{-164737, -5} + actualPaymentParts.interestPaid),
-            " valueChange mismatch: expected " +
-                to_string(Number{-164737, -5} + actualPaymentParts.interestPaid) + ", got " +
-                to_string(actualPaymentParts.valueChange));
-
-        // While there is no overpayment fee, fee paid should equal the
-        // management fee charged against the overpayment interest portion
-        BEAST_EXPECTS(
-            (actualPaymentParts.feePaid == Number{55, -1}),
-            " feePaid mismatch: expected 5.5, got " + to_string(actualPaymentParts.feePaid));
-
-        BEAST_EXPECTS(
-            actualPaymentParts.principalPaid == 40,
-            " principalPaid mismatch: expected 40, got `" +
-                to_string(actualPaymentParts.principalPaid));
-
-        // =========== VALIDATE STATE CHANGES ===========
-
-        BEAST_EXPECTS(
-            actualPaymentParts.principalPaid ==
-                loanProperties.loanState.principalOutstanding - newState.principalOutstanding,
-            " principalPaid mismatch: expected " +
-                to_string(
-                    loanProperties.loanState.principalOutstanding - newState.principalOutstanding) +
-                ", got " + to_string(actualPaymentParts.principalPaid));
-
-        // Note that the management fee value change is not captured, as this
-        // value is not needed to correctly update the Vault state.
-        BEAST_EXPECTS(
-            (newState.managementFeeDue - loanProperties.loanState.managementFeeDue ==
-             Number{-18304, -5}),
-            " management fee change mismatch: expected " + to_string(Number{-18304, -5}) +
-                ", got " +
-                to_string(newState.managementFeeDue - loanProperties.loanState.managementFeeDue));
-
-        BEAST_EXPECTS(
-            actualPaymentParts.valueChange - actualPaymentParts.interestPaid ==
-                newState.interestDue - loanProperties.loanState.interestDue,
-            " valueChange mismatch: expected " +
-                to_string(newState.interestDue - loanProperties.loanState.interestDue) + ", got " +
-                to_string(actualPaymentParts.valueChange - actualPaymentParts.interestPaid));
+        // With fixCleanup3_2_0 the management fee is re-derived from the exact
+        // principal; without it, from the one-scale-unit-high round-trip
+        // principal. So the management fee outstanding (and hence the value
+        // change, via v = p + i + m) differ by exactly one scale-unit (1e-5 at
+        // loanScale -5) between the two paths.
+        BEAST_EXPECT((fixed.parts.valueChange == Number{-164738, -5} + fixed.parts.interestPaid));
+        BEAST_EXPECT(
+            (fixed.newState.managementFeeDue - fixed.oldState.managementFeeDue ==
+             Number{-18303, -5}));
+        BEAST_EXPECT((legacy.parts.valueChange == Number{-164737, -5} + legacy.parts.interestPaid));
+        BEAST_EXPECT(
+            (legacy.newState.managementFeeDue - legacy.oldState.managementFeeDue ==
+             Number{-18304, -5}));
     }
 
 public:
diff --git a/src/test/app/Loan_test.cpp b/src/test/app/Loan_test.cpp
index c380655563..c3b5850231 100644
--- a/src/test/app/Loan_test.cpp
+++ b/src/test/app/Loan_test.cpp
@@ -7580,6 +7580,366 @@ protected:
         attemptWithdrawShares(depositorB, sharesLpB, tesSUCCESS);
     }
 
+    // A residual overpayment can reduce the stored principal by one scale-unit
+    // *less* than computeOverpaymentComponents predicts, firing the
+    // "principal change agrees" XRPL_ASSERT_PARTS in doOverpayment:
+    //
+    //   trackedPrincipalDelta == principalOutstanding - newPrincipalOutstanding
+    //
+    // tryOverpayment re-amortizes the loan at the reduced principal, then
+    // re-derives the theoretical principal from the new periodic payment via
+    // (P * paymentFactor) / paymentFactor. That round-trip is not exact in
+    // Number's 19-digit arithmetic; a positive residual pushes the recomputed
+    // principal a hair above the exact grid point `oldPrincipal - delta`, and
+    // the Upward rounding in tryOverpayment then bumps it a full scale-unit
+    // higher. The principal therefore drops by `delta - 1 unit`, not `delta`.
+    //
+    // Concrete case (isolated, at the tryOverpayment level):
+    // A 100 USD loan at the minimum non-zero rate, 3 payments, loanScale -10.
+    // After one regular payment (principalOutstanding 66.6666666674) a residual overpayment of
+    // 0.049999998 yields trackedPrincipalDelta 0.048999998 but only reduces the principal by
+    // 0.0489999979 (newPrincipal 66.6176666695) — short by 1e-10.
+    //
+    // With fixCleanup3_2_0, tryOverpayment pins the new principal to the exact,
+    // on-grid reduction (oldPrincipal - trackedPrincipalDelta) instead of the
+    // lossy (P*factor)/factor round-trip, so the assertion holds and the
+    // overpayment applies cleanly. The three "principal change agrees" /
+    // "interest paid agrees" / "principal payment matches" assertions are
+    // gated behind the same amendment, so without it they are disabled (the
+    // server does not abort) and the loan keeps the pre-amendment computation.
+    //
+    // The test runs the same scenario under both amendment settings and checks
+    // the stored principal against a ground-truth value derived independently of
+    // the loan-state computation under test.
+    void
+    testBugOverpaymentPrincipalChange()
+    {
+        testcase("bug: doOverpayment asserts 'principal change agrees'");
+
+        using namespace jtx;
+        using namespace loan;
+        using namespace xrpl::detail;
+
+        struct Params
+        {
+            TenthBips32 interestRate;
+            TenthBips16 managementFeeRate;
+            std::uint32_t paymentTotal;
+            std::uint32_t paymentInterval;
+            std::int64_t principal;
+            Number overpayment;
+            TenthBips32 overpaymentInterestRate;
+            TenthBips32 overpaymentFeeRate;
+            std::optional<int> vaultScale;
+        };
+
+        struct Result
+        {
+            Number principalOutstanding;  // stored principal after the LoanPay
+            Number expectedNewPrincipal;  // ground truth, independent of the fix
+            Number managementFeeChange;   // managementFeeOutstanding after - before
+            Number unit;                  // one scale-unit at the loan scale
+        };
+
+        auto runScenario = [this](FeatureBitset features, Params const& p) -> Result {
+            Env env(*this, features);
+
+            Account const issuer{"issuer"};
+            Account const lender{"vaultOwner"};
+            Account const borrower{"borrower"};
+
+            env.fund(XRP(1'000'000), issuer, lender, borrower);
+            env(fset(issuer, asfDefaultRipple));
+            env.close();
+
+            PrettyAsset const iouAsset = issuer["USD"];
+            Asset const asset = iouAsset.raw();
+            STAmount const iouLimit{asset, Number{9'999'999'999'999'999LL}};
+            env(trust(lender, iouLimit));
+            env(trust(borrower, iouLimit));
+            env(pay(issuer, lender, iouAsset(1'000'000)));
+            env(pay(issuer, borrower, iouAsset(1'000'000)));
+            env.close();
+
+            auto const broker = createVaultAndBroker(
+                env,
+                iouAsset,
+                lender,
+                {.vaultDeposit = 900'000,
+                 .debtMax = 0,
+                 .managementFeeRate = p.managementFeeRate,
+                 .vaultScale = p.vaultScale});
+
+            auto const brokerSle = env.le(broker.brokerKeylet());
+            BEAST_EXPECT(brokerSle);
+            auto const loanSequence = brokerSle ? brokerSle->at(sfLoanSequence) : 0;
+            auto const loanKeylet = keylet::loan(broker.brokerID, loanSequence);
+
+            env(set(borrower, broker.brokerID, Number{p.principal}, tfLoanOverpayment),
+                Sig(sfCounterpartySignature, lender),
+                kInterestRate(p.interestRate),
+                kPaymentTotal(p.paymentTotal),
+                kPaymentInterval(p.paymentInterval),
+                kGracePeriod(p.paymentInterval),
+                kOverpaymentFee(p.overpaymentFeeRate),
+                kOverpaymentInterestRate(p.overpaymentInterestRate),
+                Fee(env.current()->fees().base * 2),
+                Ter(tesSUCCESS));
+            env.close();
+
+            // The single LoanPay below makes one regular payment (the overpayment
+            // is smaller than one period) and leaves the residual as an
+            // overpayment.
+            auto const s = getCurrentState(env, broker, loanKeylet);
+            auto const periodicRate = loanPeriodicRate(s.interestRate, s.paymentInterval);
+            auto const onePeriod = computePaymentComponents(
+                env.current()->rules(),
+                asset,
+                s.loanScale,
+                s.totalValue,
+                s.principalOutstanding,
+                s.managementFeeOutstanding,
+                s.periodicPayment,
+                periodicRate,
+                s.paymentRemaining,
+                p.managementFeeRate);
+
+            // Ground truth: the stored principal must drop by exactly the regular
+            // payment's principal portion plus the overpayment's principal
+            // portion. computeOverpaymentComponents depends only on the
+            // overpayment amount and rates (not on the loan-state computation
+            // under test), so it is an independent oracle. Both components are
+            // computed under the same rules as the env so the payment factor
+            // matches.
+            auto const overpaymentComponents = computeOverpaymentComponents(
+                env.current()->rules(),
+                asset,
+                s.loanScale,
+                p.overpayment,
+                p.overpaymentInterestRate,
+                p.overpaymentFeeRate,
+                p.managementFeeRate);
+            Number const expectedNewPrincipal = s.principalOutstanding -
+                onePeriod.trackedPrincipalDelta - overpaymentComponents.trackedPrincipalDelta;
+
+            Number const managementFeeBefore = s.managementFeeOutstanding;
+
+            STAmount const payAmount{asset, onePeriod.trackedValueDelta + p.overpayment};
+            env(pay(borrower, loanKeylet.key, payAmount),
+                Txflags(tfLoanOverpayment),
+                Ter(tesSUCCESS));
+            env.close();
+
+            auto const loanSle = env.le(loanKeylet);
+            BEAST_EXPECT(loanSle);
+
+            return Result{
+                .principalOutstanding = loanSle ? Number{loanSle->at(sfPrincipalOutstanding)} : 0,
+                .expectedNewPrincipal = expectedNewPrincipal,
+                .managementFeeChange =
+                    (loanSle ? Number{loanSle->at(sfManagementFeeOutstanding)} : Number{0}) -
+                    managementFeeBefore,
+                .unit = Number{1, s.loanScale}};
+        };
+
+        // Scenario 1: the original near-zero-rate principal reproduction
+        // (loanScale -10, no management fee). 0.049999998 is smaller than one
+        // period, so it stays a residual overpayment.
+        Params const principalCase{
+            .interestRate = TenthBips32{1},
+            .managementFeeRate = TenthBips16{0},
+            .paymentTotal = 3,
+            .paymentInterval = 60,
+            .principal = 100,
+            .overpayment = Number{49999998, -9},
+            .overpaymentInterestRate = TenthBips32{1000},
+            .overpaymentFeeRate = TenthBips32{1000},
+            .vaultScale = 1};
+
+        // With fixCleanup3_2_0 the stored principal lands exactly on the
+        // ground-truth grid point: it is reduced by exactly the overpayment's
+        // principal portion. This is the key correctness check: if the principal
+        // pin were removed (even with the assertions still gated off), the lossy
+        // (P * factor) / factor round-trip would leave the principal one
+        // scale-unit high and this would fail.
+        Result const fixed = runScenario(all_, principalCase);
+        BEAST_EXPECTS(
+            fixed.principalOutstanding == fixed.expectedNewPrincipal,
+            "fixed principal " + to_string(fixed.principalOutstanding) + " != expected " +
+                to_string(fixed.expectedNewPrincipal));
+
+        // Without the amendment the loan amortizes with the catastrophically
+        // cancelling near-zero payment factor, so its schedule (and ground truth)
+        // differ from the fixed case; the gated assertions keep the server from
+        // aborting and the overpayment still lands exactly on that schedule.
+        Result const legacy = runScenario(all_ - fixCleanup3_2_0, principalCase);
+        BEAST_EXPECTS(
+            legacy.principalOutstanding == legacy.expectedNewPrincipal,
+            "legacy principal " + to_string(legacy.principalOutstanding) + " != expected " +
+                to_string(legacy.expectedNewPrincipal));
+
+        // Scenario 2: a normal-rate loan with a 10% management fee. At a normal
+        // rate the payment factor is identical across the amendment, so toggling
+        // fixCleanup3_2_0 isolates the fix. This overpayment (found by search)
+        // lands on a state where both the principal and the management fee differ
+        // by one scale-unit between the fixed and legacy paths.
+        Params const feeCase{
+            .interestRate = TenthBips32{10000},
+            .managementFeeRate = TenthBips16{10000},
+            .paymentTotal = 6,
+            .paymentInterval = 30u * 24 * 60 * 60,
+            .principal = 1000,
+            .overpayment = Number{214367363, -10},
+            .overpaymentInterestRate = TenthBips32{0},
+            .overpaymentFeeRate = TenthBips32{0},
+            .vaultScale = std::nullopt};
+
+        Result const feeFixed = runScenario(all_, feeCase);
+        Result const feeLegacy = runScenario(all_ - fixCleanup3_2_0, feeCase);
+
+        // With the fix the principal is the exact reduction; without it the lossy
+        // (P * factor) / factor round-trip leaves it one scale-unit high.
+        BEAST_EXPECTS(
+            feeFixed.principalOutstanding == feeFixed.expectedNewPrincipal,
+            "fee-case fixed principal " + to_string(feeFixed.principalOutstanding) +
+                " != expected " + to_string(feeFixed.expectedNewPrincipal));
+        BEAST_EXPECTS(
+            feeLegacy.principalOutstanding == feeLegacy.expectedNewPrincipal + feeLegacy.unit,
+            "fee-case legacy principal " + to_string(feeLegacy.principalOutstanding) +
+                " != expected " + to_string(feeLegacy.expectedNewPrincipal + feeLegacy.unit));
+
+        // Management fee: the overpayment re-amortizes a fee-bearing loan, so the management fee
+        // outstanding drops.
+        //
+        // Unlike the principal that is already at the correct precision, the re-amortized
+        // management fee  is tenthBipsOfValue of the new schedule's gross interest, which depends
+        // on the recomputed periodic payment. So the expected change below is a pinned constant
+        // captured from a passing run a magic value only because there is nothing simpler to
+        // compare against.
+        //
+        // At the integration level, toggling the amendment also changes the regular payment's
+        // rounding so a fixed-vs-legacy comparison cannot isolate the overpayment management-fee
+        // fix.
+        BEAST_EXPECT(feeFixed.managementFeeChange == feeLegacy.managementFeeChange);
+        BEAST_EXPECTS(
+            (feeFixed.managementFeeChange == Number{-8219709543, -10}),
+            "fee-case mgmt fee change " + to_string(feeFixed.managementFeeChange));
+    }
+
+    // A LoanSet with InterestRate = 1 (0.001% annualized, the minimum non-zero
+    // rate). At such a near-zero rate the closed-form payment factor
+    // (1 + r)^n - 1 cancels catastrophically.
+    //
+    // Without fixCleanup3_2_0 the resulting amortization is degenerate and the
+    // LoanSet is rejected with tecPRECISION_LOSS (no loan created). With the
+    // amendment, computePowerMinusOneHybrid uses a numerically-stable series
+    // expansion, so the loan is created and the scheduled payments
+    // (2 * periodicPayment) cover the principal — no economic underpayment
+    // (yield theft).
+    //
+    // The test runs the same LoanSet under both amendment settings and pins the
+    // exact outcome for each.
+    void
+    testLoanSetNearZeroInterestRateSucceeds()
+    {
+        testcase("LoanSet near-zero interest rate covers principal");
+
+        using namespace jtx;
+        using namespace loan;
+
+        Number const principalRequested{1000};
+
+        struct Result
+        {
+            TER ter = tesSUCCESS;
+            bool created = false;
+            std::int32_t loanScale = 0;
+            Number principal;
+            Number totalValue;
+            Number managementFee;
+            Number periodicPayment;
+        };
+
+        auto runScenario = [&](FeatureBitset features, TER expectedTer) -> Result {
+            Env env(*this, features);
+
+            Account const issuer{"issuer"};
+            Account const lender{"vaultOwner"};
+            Account const borrower{"borrower"};
+
+            env.fund(XRP(1'000'000), issuer, lender, borrower);
+            env(fset(issuer, asfDefaultRipple));
+            env.close();
+
+            PrettyAsset const iouAsset = issuer["USD"];
+            STAmount const iouLimit{iouAsset.raw(), Number{9'999'999'999'999'999LL}};
+            env(trust(lender, iouLimit));
+            env(trust(borrower, iouLimit));
+            env(pay(issuer, lender, iouAsset(1'000'000)));
+            env(pay(issuer, borrower, iouAsset(1'000'000)));
+            env.close();
+
+            auto const broker = createVaultAndBroker(
+                env,
+                iouAsset,
+                lender,
+                {.vaultDeposit = 100'000, .debtMax = 0, .managementFeeRate = TenthBips16{0}});
+
+            auto const brokerSle = env.le(broker.brokerKeylet());
+            BEAST_EXPECT(brokerSle);
+            auto const loanSequence = brokerSle ? brokerSle->at(sfLoanSequence) : 0;
+            auto const loanKeylet = keylet::loan(broker.brokerID, loanSequence);
+
+            env(set(borrower, broker.brokerID, principalRequested),
+                Sig(sfCounterpartySignature, lender),
+                kInterestRate(TenthBips32{1}),
+                kPaymentTotal(2),
+                kPaymentInterval(400),
+                Fee(env.current()->fees().base * 2),
+                Ter(expectedTer));
+            env.close();
+
+            Result r;
+            r.ter = env.ter();
+            if (auto const loanSle = env.le(loanKeylet))
+            {
+                r.created = true;
+                r.loanScale = loanSle->at(sfLoanScale);
+                r.principal = loanSle->at(sfPrincipalOutstanding);
+                r.totalValue = loanSle->at(sfTotalValueOutstanding);
+                r.managementFee = loanSle->at(sfManagementFeeOutstanding);
+                r.periodicPayment = loanSle->at(sfPeriodicPayment);
+            }
+            return r;
+        };
+
+        Result const fixed = runScenario(all_, tesSUCCESS);
+        Result const legacy = runScenario(all_ - fixCleanup3_2_0, tecPRECISION_LOSS);
+
+        // Without the amendment, the catastrophically-cancelling closed-form
+        // payment factor produces a degenerate amortization that fails
+        // checkLoanGuards: the LoanSet is rejected with tecPRECISION_LOSS and no
+        // loan is created.
+        BEAST_EXPECT(legacy.ter == tecPRECISION_LOSS);
+        BEAST_EXPECT(!legacy.created);
+
+        // With the amendment the stable series expansion produces a valid loan
+        // at loanScale -10.
+        BEAST_EXPECT(fixed.ter == tesSUCCESS);
+        BEAST_EXPECT(fixed.created);
+        BEAST_EXPECT(fixed.loanScale == -10);
+        BEAST_EXPECT(fixed.principal == principalRequested);
+        BEAST_EXPECT((fixed.totalValue == Number{10000000001903, -10}));
+        BEAST_EXPECT(fixed.managementFee == beast::kZero);
+
+        // Periodic payment from the numerically-stable series expansion, and the
+        // scheduled total (2 * periodicPayment) which exceeds the 1000 principal
+        // — no economic underpayment / yield theft.
+        BEAST_EXPECT((fixed.periodicPayment == Number{5000000000951293762, -16}));
+        BEAST_EXPECT((fixed.periodicPayment * 2 == Number{1000000000190258752, -15}));
+        BEAST_EXPECT(fixed.periodicPayment * 2 > principalRequested);
+    }
+
     // An overpayment whose residual amount has more precision than loanScale
     // fires the isRounded(asset, overpayment, loanScale) assertion in
     // computeOverpaymentComponents (and a downstream "interest paid agrees"
@@ -8358,12 +8718,14 @@ protected:
         testLimitExceeded();
         testLoanSetBlockedLoanPayAllowedWhenCanTransferCleared();
         testLendingCanTradeClearedNoImpact();
+        testBugOverpaymentPrincipalChange();
         testBugOverpayUnroundedAmount();
 
         for (auto const flags : {0u, tfLoanOverpayment})
             testYieldTheftRounding(flags);
         testBugInterestDueDeltaCrash();
         testFullLifecycleVaultPnLNearZeroRate();
+        testLoanSetNearZeroInterestRateSucceeds();
     }
 
     // Tests run under each entry in amendmentCombinations().
diff --git a/src/test/app/PermissionedDEX_test.cpp b/src/test/app/PermissionedDEX_test.cpp
index c6e94d7994..a88cbaa868 100644
--- a/src/test/app/PermissionedDEX_test.cpp
+++ b/src/test/app/PermissionedDEX_test.cpp
@@ -197,6 +197,20 @@ class PermissionedDEX_test : public beast::unit_test::Suite
             env.close();
         }
 
+        // test preflight - malformed DomainID being zero
+        // Only test this with fixCleanup3_2_0 enabled. Without the fix,
+        // an assert-enabled build can crash when Ledger::read() receives
+        // a zero-key PermissionedDomain keylet.
+        if (features[fixCleanup3_2_0])
+        {
+            Env env(*this, features);
+            auto const& [gw_, domainOwner, alice_, bob_, carol_, USD, domainID, credType] =
+                PermissionedDEX(env);
+
+            env(offer(bob_, XRP(10), USD(10)), Domain(uint256{}), Ter(temMALFORMED));
+            env.close();
+        }
+
         // preclaim - someone outside of the domain cannot create domain offer
         {
             Env env(*this, features);
@@ -396,6 +410,24 @@ class PermissionedDEX_test : public beast::unit_test::Suite
             env.close();
         }
 
+        // test preflight - malformed DomainID being zero
+        // Only test this with fixCleanup3_2_0 enabled. Without the fix,
+        // an assert-enabled build can crash when Ledger::read() receives
+        // a zero-key PermissionedDomain keylet.
+        if (features[fixCleanup3_2_0])
+        {
+            Env env(*this, features);
+            auto const& [gw_, domainOwner, alice_, bob_, carol_, USD, domainID, credType] =
+                PermissionedDEX(env);
+
+            env(pay(bob_, alice_, USD(10)),
+                Path(~USD),
+                Sendmax(XRP(10)),
+                Domain(uint256{}),
+                Ter(temMALFORMED));
+            env.close();
+        }
+
         // preclaim - cannot send payment with non existent domain
         {
             Env env(*this, features);
@@ -1772,7 +1804,9 @@ public:
 
         // Test domain offer (w/o hybrid)
         testOfferCreate(all);
+        testOfferCreate(all - fixCleanup3_2_0);
         testPayment(all);
+        testPayment(all - fixCleanup3_2_0);
         testBookStep(all);
         testRippling(all);
         testOfferTokenIssuerInDomain(all);
diff --git a/src/test/app/SHAMapStore_test.cpp b/src/test/app/SHAMapStore_test.cpp
index fc5ef02465..6e279eadb2 100644
--- a/src/test/app/SHAMapStore_test.cpp
+++ b/src/test/app/SHAMapStore_test.cpp
@@ -520,6 +520,25 @@ public:
         /////////////////////////////////////////////////////////////
         // Create NodeStore with two backends to allow online deletion of data.
         // Normally, SHAMapStoreImp handles all these details.
+        auto nscfg = env.app().config().section(ConfigSection::nodeDatabase());
+
+        // Provide default values.
+        if (!nscfg.exists("cache_size"))
+        {
+            nscfg.set(
+                "cache_size",
+                std::to_string(
+                    env.app().config().getValueFor(SizedItem::TreeCacheSize, std::nullopt)));
+        }
+
+        if (!nscfg.exists("cache_age"))
+        {
+            nscfg.set(
+                "cache_age",
+                std::to_string(
+                    env.app().config().getValueFor(SizedItem::TreeCacheAge, std::nullopt)));
+        }
+
         NodeStoreScheduler scheduler(env.app().getJobQueue());
 
         std::string const writableDb = "write";
@@ -528,7 +547,6 @@ public:
         auto archiveBackend = makeBackendRotating(env, scheduler, archiveDb);
 
         static constexpr int kReadThreads = 4;
-        auto nscfg = env.app().config().section(ConfigSection::nodeDatabase());
         auto dbr = std::make_unique<NodeStore::DatabaseRotatingImp>(
             scheduler,
             kReadThreads,
diff --git a/src/test/basics/Number_test.cpp b/src/test/basics/Number_test.cpp
index 26060c70e9..81019970ad 100644
--- a/src/test/basics/Number_test.cpp
+++ b/src/test/basics/Number_test.cpp
@@ -6,11 +6,14 @@
 #include <xrpl/protocol/SystemParameters.h>
 #include <xrpl/protocol/XRPAmount.h>
 
+// NOLINTNEXTLINE(misc-include-cleaner)
+#include <boost/multiprecision/cpp_dec_float.hpp>
 #include <boost/multiprecision/number.hpp>
 
 #include <array>
 #include <cctype>
 #include <cstdint>
+#include <iomanip>
 #include <limits>
 #include <map>
 #include <sstream>
@@ -40,6 +43,40 @@ class Number_test : public beast::unit_test::Suite
         return out;
     }
 
+    using dec = boost::multiprecision::cpp_dec_float_50;
+
+    template <class T = dec>
+    static T
+    pow10(int n)
+    {
+        if (n == 0)
+            return 1;
+        if (n == 1)
+            return 10;
+
+        if (n > 1)
+        {
+            auto r = pow10<T>(n / 2);
+            r *= r;
+            if (n % 2 != 0)
+                r *= 10;
+            return r;
+        }
+
+        // n < 0
+        T p = 1;
+        p /= pow10<T>(-n);
+        return p;
+    }
+
+    static std::string
+    fmt(dec const& v)
+    {
+        std::ostringstream os;
+        os << std::setprecision(40) << v;
+        return os.str();
+    }
+
 public:
     void
     testZero()
@@ -1589,39 +1626,249 @@ public:
     void
     testUpwardRoundsDown()
     {
-        testcase << "upward rounding produces a value below exact at kMaxRep cusp";
+        auto const scale = Number::getMantissaScale();
+        {
+            testcase << "upward rounding produces a value below exact at kMaxRep cusp "
+                     << to_string(scale);
 
-        NumberMantissaScaleGuard const mg{MantissaRange::MantissaScale::Large};
-        NumberRoundModeGuard const rg{Number::RoundingMode::Upward};
+            NumberRoundModeGuard const rg{Number::RoundingMode::Upward};
 
-        constexpr std::int64_t kAValue = 1'000'000'000'000'049'863LL;
-        constexpr std::int64_t kBValue = 9'223'372'036'854'315'903LL;
+            constexpr std::int64_t kAValue = 1'000'000'000'000'049'863LL;
+            constexpr std::int64_t kBValue = 9'223'372'036'854'315'903LL;
 
-        Number const a = kAValue;
-        Number const b = kBValue;
-        Number const product = a * b;
+            Number const a = kAValue;
+            Number const b = kBValue;
+            Number const product = a * b;
 
-        // Exact reference in BigInt.
-        BigInt const exactProduct = BigInt(kAValue) * BigInt(kBValue);
+            // Exact reference in BigInt.
+            BigInt const exactProduct = BigInt(kAValue) * BigInt(kBValue);
 
-        // What Number actually stored.
-        BigInt storedValue = BigInt(product.mantissa());
-        for (int i = 0; i < product.exponent(); ++i)
-            storedValue *= 10;
+            // What Number actually stored.
+            BigInt storedValue = BigInt(product.mantissa());
+            for (int i = 0; i < product.exponent(); ++i)
+                storedValue *= 10;
 
-        BigInt const signedDifference = storedValue - exactProduct;
+            BigInt const signedDifference = storedValue - exactProduct;
 
-        log << "\n"
-            << "  a              = " << fmt(BigInt(kAValue)) << "\n"
-            << "  b              = " << fmt(BigInt(kBValue)) << "\n"
-            << "  exact a*b      = " << fmt(exactProduct) << "\n"
-            << "  stored         = " << fmt(storedValue) << "\n"
-            << "  stored - exact = " << fmt(signedDifference) << "\n"
-            << "  upward         = " << (signedDifference >= 0 ? "held" : "VIOLATED") << "\n";
+            log << "\n"
+                << "  a              = " << fmt(BigInt(kAValue)) << "\n"
+                << "  b              = " << fmt(BigInt(kBValue)) << "\n"
+                << "  exact a*b      = " << fmt(exactProduct) << "\n"
+                << "  stored         = " << fmt(storedValue) << "\n"
+                << "  stored - exact = " << fmt(signedDifference) << "\n"
+                << "  upward         = " << (signedDifference >= 0 ? "held" : "VIOLATED") << "\n"
+                << " stored.mantissa = " << product.mantissa() << "\n"
+                << " stored.exponent = " << product.exponent() << "\n";
+            log.flush();
 
-        BEAST_EXPECT(signedDifference >= 0);
-        BEAST_EXPECT(product.mantissa() == (std::numeric_limits<std::int64_t>::max() / 10) + 1);
-        BEAST_EXPECT(product.exponent() == 19);
+            switch (scale)
+            {
+                case MantissaRange::MantissaScale::Large:
+                    BEAST_EXPECT(signedDifference >= 0);
+                    BEAST_EXPECT(signedDifference < pow10<BigInt>(product.exponent()));
+                    BEAST_EXPECT(
+                        product.mantissa() == (std::numeric_limits<std::int64_t>::max() / 10) + 1);
+                    BEAST_EXPECT(product.exponent() == 19);
+                    break;
+
+                case MantissaRange::MantissaScale::LargeLegacy:
+                    BEAST_EXPECT(signedDifference < 0);
+                    BEAST_EXPECT(
+                        product.mantissa() ==
+                        (std::numeric_limits<std::int64_t>::max() / 100) * 100);
+                    BEAST_EXPECT(product.exponent() == 18);
+                    break;
+
+                case MantissaRange::MantissaScale::Small:
+                    // The seemingly weird rounding here is because
+                    // a & b are both normalized, and both round up when
+                    // being converted to Number, so you're really
+                    // getting 1_000_000_000_000_050 * 9_223_372_036_854_316
+                    BEAST_EXPECT(signedDifference >= 0);
+                    BEAST_EXPECT(
+                        product.mantissa() ==
+                        (std::numeric_limits<std::int64_t>::max() / 1000) + 3);
+                    BEAST_EXPECT(product.exponent() == 21);
+                    break;
+            }
+        }
+
+        {
+            /* Companion regression for the kMaxRep cusp behavior, but for
+             * `operator/=` on the cusp-fix-ENABLED `Large` scale.
+             *
+             * Before the dropped-remainder fix, `operator/=` with Upward
+             * rounding could return a value STRICTLY LESS than the exact quotient,
+             * violating Upward's directional invariant.
+             *
+             * Mechanism (fix-enabled path):
+             *   1. `operator/=` computes `numerator = nm * 10^17` and
+             *      `zm = numerator / dm` (integer division, truncates remainder).
+             *   2. If `remainder != 0`, the correction block runs:
+             *        zm *= 100000
+             *        correction = (remainder * 100000) / dm  // also truncates
+             *        zm += correction
+             *        ze -= 5
+             *      The truncation in `correction` discards a sub-1/100000 residual.
+             *   3. `normalize`'s shift loop reduces zm to fit, but the discarded
+             *      residual is BELOW the Guard's visibility, so the Guard sees fraction = 0.
+             *   4. Under Upward + positive, `round()` returns -1 (no round-up), and
+             *      the algorithm returns the truncated zm
+             */
+            testcase << "operator/= Upward on Large returns value < truth " << to_string(scale);
+
+            NumberRoundModeGuard const roundGuard{Number::RoundingMode::Upward};
+
+            constexpr std::int64_t aValue = 2LL;
+            constexpr std::int64_t bValue = 1'000'000'000'000'000'007LL;
+            // bValue = 10^18 + 7 (prime, in [minMantissa, kMaxRep]).
+
+            Number const a{aValue, 0};
+            Number const b{bValue, 0};
+            Number const quotient = a / b;
+
+            dec const exact = dec(aValue) / dec(bValue);
+            dec const stored = dec(quotient.mantissa()) * pow10(quotient.exponent());
+            dec const diff = stored - exact;
+
+            log << "\n"
+                << "  a                 = " << aValue << "\n"
+                << "  b                 = " << bValue << "\n"
+                << "  exact a/b         = " << fmt(exact) << "\n"
+                << "  stored a/b        = " << fmt(stored) << "\n"
+                << "  stored - exact    = " << fmt(diff)
+                << "    (negative => Upward gave value BELOW truth)\n"
+                << "  quotient.mantissa = " << quotient.mantissa() << "\n"
+                << "  quotient.exponent = " << quotient.exponent() << "\n";
+            log.flush();
+
+            // Upward invariant: stored >= exact. Bug: stored < exact.
+            switch (scale)
+            {
+                case MantissaRange::MantissaScale::Large:
+                    BEAST_EXPECT(stored >= exact);
+                    BEAST_EXPECT(diff < pow10(quotient.exponent()));
+                    break;
+
+                case MantissaRange::MantissaScale::LargeLegacy:
+                    BEAST_EXPECT(stored < exact);
+                    BEAST_EXPECT(diff >= -pow10(quotient.exponent()));
+                    break;
+
+                case MantissaRange::MantissaScale::Small:
+                    // Small mantissa doesn't have the correction for
+                    // dropped remainders
+                    BEAST_EXPECT(stored < exact);
+                    break;
+            }
+        }
+        {
+            /* Companion test case for Upward positive operator/=: Downward negative
+             */
+            testcase << "operator/= Downward on Large returns value < truth " << to_string(scale);
+
+            NumberRoundModeGuard const roundGuard{Number::RoundingMode::Downward};
+
+            constexpr std::int64_t aValue = -2LL;
+            constexpr std::int64_t bValue = 1'000'000'000'000'000'007LL;
+            // bValue = 10^18 + 7 (prime, in [minMantissa, kMaxRep]).
+
+            Number const a{aValue, 0};
+            Number const b{bValue, 0};
+            Number const quotient = a / b;
+
+            dec const exact = dec(aValue) / dec(bValue);
+            dec const stored = dec(quotient.mantissa()) * pow10(quotient.exponent());
+            dec const diff = stored - exact;
+
+            log << "\n"
+                << "  a                 = " << aValue << "\n"
+                << "  b                 = " << bValue << "\n"
+                << "  exact a/b         = " << fmt(exact) << "\n"
+                << "  stored a/b        = " << fmt(stored) << "\n"
+                << "  stored - exact    = " << fmt(diff)
+                << "    (positive => Downward gave value ABOVE truth)\n"
+                << "  quotient.mantissa = " << quotient.mantissa() << "\n"
+                << "  quotient.exponent = " << quotient.exponent() << "\n";
+            log.flush();
+
+            // invariant: stored <= exact. Bug: stored > exact.
+            switch (scale)
+            {
+                case MantissaRange::MantissaScale::Large:
+                    BEAST_EXPECT(stored <= exact);
+                    BEAST_EXPECT(diff > -pow10(quotient.exponent()));
+                    break;
+
+                case MantissaRange::MantissaScale::LargeLegacy:
+                    BEAST_EXPECT(stored > exact);
+                    BEAST_EXPECT(diff <= pow10(quotient.exponent()));
+                    break;
+
+                case MantissaRange::MantissaScale::Small:
+                    // Small mantissa doesn't have the correction for
+                    // dropped remainders
+                    BEAST_EXPECT(stored < exact);
+                    break;
+            }
+        }
+        {
+            /* Companion test case for Upward positive operator/=: ToNearest
+             *
+             * With ToNearest, if the dropped digits are exactly "5", then the mantissa will be
+             * rounded to even. The numbers below result in a value where the unrounded mantissa
+             * ends in an even digit, and "infinite precision" would drop
+             * "500000000000000000145...", but doNormalize only sees "5". Without the rounding fix,
+             * doNormalize rounds down to the even value. With the rounding fix, doNormalize knows
+             * there are more digits beyond "5", and so rounds _up_ to the odd value.
+             */
+            testcase << "operator/= ToNearest on Large returns value < truth " << to_string(scale);
+
+            NumberRoundModeGuard const roundGuard{Number::RoundingMode::ToNearest};
+
+            constexpr std::int64_t aValue = 1'269'917'268'816'087'809LL;
+            constexpr std::int64_t bValue = 3'458'525'013'821'685'511LL;
+            // bValue = 10^18 + 7 (prime, in [minMantissa, kMaxRep]).
+
+            Number const a{aValue, 0};
+            Number const b{bValue, 0};
+            Number const quotient = a / b;
+
+            dec const exact = dec(aValue) / dec(bValue);
+            dec const stored = dec(quotient.mantissa()) * pow10(quotient.exponent());
+            dec const diff = stored - exact;
+
+            log << "\n"
+                << "  a                 = " << aValue << "\n"
+                << "  b                 = " << bValue << "\n"
+                << "  exact a/b         = " << fmt(exact) << "\n"
+                << "  stored a/b        = " << fmt(stored) << "\n"
+                << "  stored - exact    = " << fmt(diff)
+                << "    (negative => ToNearest gave value BELOW truth)\n"
+                << "  quotient.mantissa = " << quotient.mantissa() << "\n"
+                << "  quotient.exponent = " << quotient.exponent() << "\n";
+            log.flush();
+
+            // invariant: stored >= exact. Bug: stored < exact.
+            switch (scale)
+            {
+                case MantissaRange::MantissaScale::Large:
+                    BEAST_EXPECT(stored >= exact);
+                    BEAST_EXPECT(diff < pow10(quotient.exponent()));
+                    break;
+
+                case MantissaRange::MantissaScale::LargeLegacy:
+                    BEAST_EXPECT(stored < exact);
+                    BEAST_EXPECT(diff >= -pow10(quotient.exponent()));
+                    break;
+
+                case MantissaRange::MantissaScale::Small:
+                    // Small mantissa doesn't have the correction for
+                    // dropped remainders
+                    BEAST_EXPECT(stored < exact);
+                    break;
+            }
+        }
     }
 
     void
@@ -1651,9 +1898,9 @@ public:
             testTruncate();
             testRounding();
             testInt64();
+
+            testUpwardRoundsDown();
         }
-        // This test sets its own number range
-        testUpwardRoundsDown();
     }
 };
 
diff --git a/src/xrpld/app/main/Application.cpp b/src/xrpld/app/main/Application.cpp
index ac90fe6c96..b641f1bc75 100644
--- a/src/xrpld/app/main/Application.cpp
+++ b/src/xrpld/app/main/Application.cpp
@@ -1017,6 +1017,10 @@ public:
             JLOG(journal_.debug()) << "MasterTransaction sweep.  Size before: " << oldMasterTxSize
                                    << "; size after: " << masterTxCache.size();
         }
+        {
+            // Sweep NodeStore database cache(s), if enabled.
+            getNodeStore().sweep();
+        }
         {
             std::size_t const oldLedgerMasterCacheSize = getLedgerMaster().getFetchPackCacheSize();
 
diff --git a/src/xrpld/app/misc/SHAMapStoreImp.cpp b/src/xrpld/app/misc/SHAMapStoreImp.cpp
index fc3f71c0cc..3f4bd6280f 100644
--- a/src/xrpld/app/misc/SHAMapStoreImp.cpp
+++ b/src/xrpld/app/misc/SHAMapStoreImp.cpp
@@ -165,6 +165,22 @@ std::unique_ptr<NodeStore::Database>
 SHAMapStoreImp::makeNodeStore(int readThreads)
 {
     auto nscfg = app_.config().section(ConfigSection::nodeDatabase());
+
+    // Provide default values.
+    if (!nscfg.exists("cache_size"))
+    {
+        nscfg.set(
+            "cache_size",
+            std::to_string(app_.config().getValueFor(SizedItem::TreeCacheSize, std::nullopt)));
+    }
+
+    if (!nscfg.exists("cache_age"))
+    {
+        nscfg.set(
+            "cache_age",
+            std::to_string(app_.config().getValueFor(SizedItem::TreeCacheAge, std::nullopt)));
+    }
+
     std::unique_ptr<NodeStore::Database> db;
 
     if (deleteInterval_ != 0u)
@@ -254,6 +270,8 @@ SHAMapStoreImp::run()
     LedgerIndex lastRotated = stateDb_.getState().lastRotated;
     netOPs_ = &app_.getOPs();
     ledgerMaster_ = &app_.getLedgerMaster();
+    fullBelowCache_ = &(*app_.getNodeFamily().getFullBelowCache());
+    treeNodeCache_ = &(*app_.getNodeFamily().getTreeNodeCache());
 
     if (advisoryDelete_)
         canDelete_ = stateDb_.getCanDelete();
@@ -542,16 +560,16 @@ SHAMapStoreImp::clearCaches(LedgerIndex validatedSeq)
     // Also clear the FullBelowCache so its generation counter is bumped.
     // This prevents stale "full below" markers from persisting across
     // backend rotation/online deletion and interfering with SHAMap sync.
-    app_.getNodeFamily().getFullBelowCache()->clear();
+    fullBelowCache_->clear();
 }
 
 void
 SHAMapStoreImp::freshenCaches()
 {
-    if (freshenCache(*app_.getNodeFamily().getTreeNodeCache()))
+    if (freshenCache(*treeNodeCache_))
+        return;
+    if (freshenCache(app_.getMasterTransaction().getCache()))
         return;
-
-    freshenCache(app_.getMasterTransaction().getCache());
 }
 
 void
diff --git a/src/xrpld/app/misc/SHAMapStoreImp.h b/src/xrpld/app/misc/SHAMapStoreImp.h
index 4f0ce04e0d..1803c15e71 100644
--- a/src/xrpld/app/misc/SHAMapStoreImp.h
+++ b/src/xrpld/app/misc/SHAMapStoreImp.h
@@ -7,6 +7,8 @@
 #include <xrpl/nodestore/Scheduler.h>
 #include <xrpl/rdb/DatabaseCon.h>
 #include <xrpl/server/State.h>
+#include <xrpl/shamap/FullBelowCache.h>
+#include <xrpl/shamap/TreeNodeCache.h>
 
 #include <atomic>
 #include <chrono>
@@ -93,6 +95,8 @@ private:
     // as of run() or before
     NetworkOPs* netOPs_ = nullptr;
     LedgerMaster* ledgerMaster_ = nullptr;
+    FullBelowCache* fullBelowCache_ = nullptr;
+    TreeNodeCache* treeNodeCache_ = nullptr;
 
     static constexpr auto kNodeStoreName = "NodeStore";