Ripple announced a new roadmap with a native lending protocol on the XRP Ledger. Allowing lending and underwritten credit on the ledger tier. Single-Asset Vaults allow institutions to have asset pools and sell negligently transferrable vault shares. Issuing, tracking and repayment of loans is automated on-chain and risk assessment is institution-driven off-chain.
ZKPs Support Privatized Compliance.
One of the outstanding ones is the zero knowledge proof (ZKP) integration. The Confidential Multi-Purpose Tokens that are to be released in Q1. 2026 will serve the purposes of collateral use in privacy and remain compliant. ZKPs enable institutions to present KYC and reserves without exposing wallet data or identity information-enhancing privacy without affecting auditability.
Multi-purpose Tokens/ Compliance Tools.
In October, Ripple will implement the MPT standard. Furthermore enable financial instruments such as bonds and structured funds to store metadata such as tranches. Maturity dates and transfer rules- without smart contracts. Such assets will be sold on the DEX of XRPL. Above all, Other compliance tools are Credentialed IDs, Deep Freeze transfer blocking, as well as, transaction simulation.
Authorized Markets and Institutionalized Use.
Pending validators voting, the roadmap proposes such features as Permissioned Domains and DEX access. These tools are used to provide access based on credentials and preserve the decentralized nature of XRPL. Together with XRP and RLUSD, Ripple is a payments protocol that will enable stablecoin payments. As a result, collateral lending, and tokensized asset trading on top of the protocol, making XRPL a complete DeFi protocol stack.
