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4h ago

Ripple Centers Institutional DeFi in XRPL Roadmap, Sets Native Lending for Version 3.0

Ripple positions the ledger for regulated use by emphasizing compliance-first controls with privacy-preserving token designs.

Ripple unveils XRPL's updated roadmap with plans to launch a native lending protocol
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Overview

  • Version 3.0.0 is scheduled to introduce a protocol-level lending system using Single-Asset Vaults that pool liquidity and issue transferable vault shares.
  • Loan issuance, repayment tracking, and reconciliation will be automated on-ledger while underwriting and risk management stay off-chain for institutional workflows.
  • Compliance features including Credentials, Deep Freeze, and Simulate are live to support KYC/AML controls, sanctions handling, and pre-commit transaction testing.
  • The Multi-Purpose Token standard is slated for October launch, with zero-knowledge–backed Confidential MPTs targeted for Q1 2026 to enable selective disclosure without exposing sensitive data.
  • Ripple cites more than $1 billion in monthly stablecoin volume and top‑10 real‑world‑asset activity as it urges validator upgrades to 3.0.0, developer testing on devnet, and votes on Permissioned Domains and a Permissioned DEX.