The XRP Ledger (XRPL) ecosystem has unveiled a new roadmap, highlighting its strengthening position in the institutional finance sector. In particular, the key areas of development include the launch of a native credit protocol, the introduction of zero-knowledge proofs (ZKP) to balance privacy and compliance, and the expansion of tokenization tools.
As noted in the roadmap, in July, the network exceeded $1 billion in monthly stablecoin volume for the first time and entered the top ten real-world asset (RWA) blockchains.
“The institutional [decentralized finance sector] DeFi has crossed a critical point, from pilot projects to billions of dollars in volume,” XRPL’s updated roadmap says.
Among the launched tools:
- Credentials — decentralized identifiers (DIDs) that allow you to confirm the status of the “know your customer” (KYC) procedure or regulatory approvals, opening the way to credit markets and tokenized assets;
- Deep Freeze — a mechanism for blocking suspicious accounts to comply with sanctions and regulations;
- Simulate — a new method of preliminary testing of transactions without entering them into the blockchain.
The key stage of development will be the launch of the native credit protocol (XLS-65/66) in XRPL 3.0.0, which will allow creating liquidity pools, issuing loans with fixed terms and conditions, and automating the entire loan cycle without intermediaries. This will provide access to low-cost capital in compliance with KYC/AML standards, while simplifying the work of institutions and providing a transparent audit trail.
The next phase of development is related to the integration of ZKP. The first application will be confidential Multi-Purpose Tokens (MPT), scheduled for the first quarter of 2026. They will allow collateral to be managed privately while maintaining auditability.
“For institutions, XRPL should become an infrastructure that combines privacy with responsibility and compliance with confidentiality,” the roadmap says.
According to the statement, the MPT standard, which will be launched in October, will allow the representation of complex financial instruments (bonds, money market funds, structured products) without complex smart contracts. This will form the basis for the full cycle of asset management — from issuance to trading and clearing — directly in XRPL.
Ripple noted:
“XRPL is increasingly positioned as the leading blockchain for institutional finance. We will build the next decade on the foundation of tokenization, lending, and compliance integrated at the protocol level.”
As a reminder, in June, Ripple announced its intention to carry out a number of new mergers and acquisitions to modernize the XRPL blockchain.