The XRP Ledger (XRPL) blockchain plans to expand institutional solutions for privacy and decentralized lending, as well as broaden the integration of the Ripple USD (RLUSD) stablecoin and tokenized funds.
The Ripple team announced the next stage of institutional development for the XRP Ledger (XRPL) blockchain ecosystem. The key focus areas include the launch of a native lending protocol, the introduction of compliance tools, and preparations for adopting zero-knowledge proof (ZKP) technologies. In addition, devs plan to enhance tokenization tools, advance privacy technologies for financial institutions, and expand the use of RLUSD.
Among the recently introduced features supporting institutional adoption of XRP Ledger are:
- Credentials. Accounts linked to decentralized identifiers (DID) that allow trusted issuers to verify KYC status, accreditation, regulatory licenses, and other legal aspects, providing a safer and more private way to meet compliance requirements.
- Deep Freeze. An asset-freezing tool enabling token issuers to prevent misuse, which is critical for sanctions enforcement and other regulatory needs.
- Simulate. A new transaction method that lets developers test transactions before they’re finalized on-chain, reducing risks and improving reliability for high-value or complex operations.
In the coming months, XRPL will roll out version 3.0.0 with a native lending protocol (XLS-65/66). This will enable pooled and fixed-term loans directly at the blockchain level, ensuring transparency, cost reduction, and compliance with KYC/AML standards.
The next strategic focus will be the implementation of zero-knowledge proofs. The first products based on ZKPs will be confidential multi-purpose tokens (MPT), scheduled for launch in Q1 2026. This technology will allow institutional market participants to combine transaction privacy with regulatory requirements.
The XRPL team emphasizes that the project’s mission remains unchanged — to create a reliable, secure, and regulation-ready platform for institutional finance, where tokenization, lending, and compliance converge at the protocol level.
According to the press release, over the past year, monthly stablecoin transaction volumes on XRPL reached $1 billion. Moreover, the project entered the top 10 blockchains by activity in real-world asset (RWA) tokenization.
Another step toward institutional adoption was Ripple’s announcement, in partnership with RWA platform Securitize, of a smart contract enabling investors in BlackRock and VanEck tokenized funds to exchange BUIDL and VBILL tokens for the RLUSD stablecoin around the clock. This provides asset holders with instant access to liquidity while maintaining yields and expanding opportunities for DeFi use.
Jack McDonald, Ripple’s Senior Vice President of Stablecoins, noted that adding RLUSD as an exchange instrument for tokenized funds is a natural step toward bridging traditional finance and crypto infrastructure.
In April 2025, Ripple acquired prime broker Hidden Road with the goal of making XRP Ledger (XRPL) a key platform for real-world asset (RWA) tokenization and expanding RLUSD usage in the institutional space.
