XRP Ledger Upgrades Bring Native Lending and Privacy Tools

The XRP Ledger is set to receive significant upgrades, including native lending and privacy tools. According to Vet, Head of Community at the XRPL Foundation and dUNL validator, these features will allow institutions and retail investors to operate directly on the blockchain without intermediaries or additional fees.

The network's existing DEX infrastructure, including an order book and AMM, as well as tokenization and compliance controls, will be expanded through a built-in DeFi stack. This stack is based on the XLS-0096 amendment and introduces the concept of 'accountable privacy' using the Multi-Purpose Token (MPT) standard.

The technology encrypts balances and transaction amounts from third parties while preserving transparency for issuers and regulators. Permission Delegation, which allows banks and funds to securely delegate trading on private DEXs (pDEXs), will also be implemented.