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2h ago

Ripple Maps XRPL 3.0 for Institutional DeFi With Native Lending Later This Year

Compliance features roll out to ready the ledger for regulated use.

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

  • Ripple and RippleX published an updated XRPL roadmap that schedules a native lending protocol for Version 3.0.0 later in 2025, with validators urged to upgrade and developers asked to test on the devnet.
  • The lending design uses Single-Asset Vaults for pooled liquidity and transferable shares, enabling fixed-term loans with on-ledger issuance, repayment tracking, and reconciliation while underwriting stays off-chain.
  • Immediate compliance tools include Credentials for KYC attestations, Deep Freeze to halt transfers from flagged addresses, and transaction simulation to reduce operational risk.
  • Permissioned Domains and a Permissioned DEX are in validator voting to enable gated market participation based on credential verification.
  • Zero-knowledge work targets confidential Multi-Purpose Tokens in Q1 2026 to support privacy-preserving collateral and proofs, with the MPT standard set for October to encode instrument metadata and integrate with the DEX.