Overview
- Ripple and XRPL contributors detailed a buildout that elevates the ledger for regulated finance, highlighting XRP’s role in settlement, FX, collateral and on‑chain credit.
- Live components include permissioned domains, credential‑backed access, multi‑purpose tokens, token escrows and batch transactions for delivery‑versus‑payment workflows.
- The roadmap schedules confidential transfers for MPTs in Q1, smart escrows and a permissioned DEX starting in Q2, and the XLS‑65/66 lending protocol later in 2026.
- The lending design centers on single‑asset vaults, fixed‑term loans and optional permissioning with underwriting kept off‑chain, and Evernorth signals plans to participate.
- To address limited smart‑contract programmability, contributors plan an Axelar‑bridged EVM sidechain so Solidity developers can tap XRPL liquidity and identity features.