The XRP Ledger (XRPL) has unveiled an updated roadmap emphasizing compliance, tokenization, and privacy, marking a significant step toward becoming a leading blockchain for institutional finance.
🔹 Among the key initiatives are:
- Native lending protocol (XLS-65/66 / XRPL 3.0.0): Enables liquidity pools, fixed-term loans, and fully automated borrowing cycles without intermediaries, all while adhering to KYC/AML standards.
- Zero-Knowledge Proof (ZKP) integration: Launching confidential multi-purpose tokens (MPTs) in Q1 2026, allowing private collateral management with full auditability.
- Stablecoin growth: XRPL surpassed $1 billion in monthly stablecoin volume in July, entering the top ten blockchains for real-world assets (RWA).
💡 Additional tools already live include decentralized identifiers (Credentials) for KYC verification, Deep Freeze to block suspicious accounts, and Simulate, a sandbox feature for pre-testing transactions.
📈 The new roadmap positions XRPL as an infrastructure that balances privacy with accountability and compliance with confidentiality, aiming to support tokenized assets, institutional DeFi, and real-world financial instruments without complex smart contracts.
“As the institutional DeFi sector crosses the billion-dollar mark, XRPL is building the foundation for the next decade, combining lending, tokenization, and compliance at the protocol level,” the roadmap states.
