Particle.news
Download on the App Store
7 ARTICLES
·
3h ago

RippleX Details XRPL v3.0 With Native Lending in Institutional DeFi Push

The update outlines protocol-level credit markets under XRPL v3.0 to attract regulated capital.

Ripple unveils XRPL's updated roadmap with plans to launch a native lending protocol
Image
Source: Shutterstock

Overview

  • XRPL Version 3.0.0 is slated for later this year with a native lending protocol using Single-Asset Vaults to pool liquidity, issue transferable shares, and manage fixed-term loans on-chain while underwriting stays off-chain.
  • The Multi-Purpose Token standard is set to launch in October to represent bonds, funds, and structured products natively without smart contracts.
  • Zero-knowledge integrations are in development, with confidential Multi-Purpose Tokens targeted for Q1 2026 to enable privacy-preserving collateral and proofs with regulator-facing auditability.
  • Compliance tooling is live, including Credentials for DID-linked KYC attestations, Deep Freeze to halt flagged transfers, and Simulate for pre-commit transaction testing.
  • Ripple is urging validators to upgrade and vote on features and is directing developers to test lending and tokenization on the devnet, citing over $1 billion in monthly stablecoin settlement and top‑10 RWA activity as momentum.