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XOXNO Stellar Lending is governed by a timelocked admin contract. As a user you interact with XOXNO lending, not governance votes. Governance matters because it controls protocol rules, listed assets, and emergency controls that affect your positions.

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Timelock on mainnet

Most protocol changes go through a ~48 hour timelock on mainnet before they take effect. Proposers schedule a change, the delay passes, then an executor applies it. This gives the community time to review updates to risk settings, oracle wiring, new markets, or contract upgrades before they hit production. Testnet uses a much shorter delay for development only.

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What requires governance

Typical timelocked changes include:
AreaExamples
MarketsListing new assets, editing LTV and liquidation settings
OraclesPrice feed configuration and tolerance bands
InfrastructurePool deployment, controller upgrades, aggregator wiring
MigrationApproving which Blend pools users can migrate from
Your existing positions keep the risk parameters they had when you supplied. New supplies pick up updated values after a change executes.

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Emergency pause

The governance owner can pause or unpause the protocol immediately, without waiting for the timelock. When paused, new supplies, borrows, withdrawals, and strategies are blocked until the protocol is unpaused. Pause protects users during an incident. It does not erase your balances. Your collateral and debt remain on chain.

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Do users vote on chain?

Typically no. Governance roles (proposer, executor, canceller) are held by the protocol team and approved operators, not by everyday lenders. You stay informed by following XOXNO announcements, docs updates, and on-chain timelock activity if you follow protocol governance channels. You do not need to vote to supply, borrow, or migrate.
For developers: Role definitions, propose/execute lifecycle, and the full admin surface are in the governance developer guide.