XRP (XRP), also known as Ripple, has announced a large-scale network upgrade aimed at attracting institutional capital inflows, raising expectations for a rebound beyond 2026.
According to investment-focused media outlet The Motley Fool on February 16 (local time), Ripple unveiled the development roadmap for the XRP Ledger (XRPL) and said it plans to introduce several key features in the coming months. The upgrade is focused on creating an environment where financial institutions can more easily manage and allocate capital. As of the time of writing, XRP was trading at $1.51, with a market capitalization of approximately $92 billion.
The first change is the introduction of a “permissioned DEX.” While XRPL currently has an on-chain order book-based decentralized exchange (DEX), institutional investors face difficulties trading freely with anonymous wallets due to anti-money laundering (AML) and know-your-customer (KYC) regulations. The permissioned DEX, scheduled for launch in the second quarter, is designed to facilitate trading within a controlled environment where participant identities are verified. This is expected to support the expansion of the real-world asset (RWA) ecosystem, including the tokenization of traditional financial products such as equities. As XRP will be required for transaction fees and account reserves, the move could stimulate demand.
The second upgrade is a protocol-level native lending function. Targeted for release in the first quarter and designed primarily for institutions, borrowers will be responsible for conducting their own due diligence. Nevertheless, the feature is significant in that it creates a structure for generating returns directly within XRPL. Until now, XRP holders have had limited on-chain yield opportunities compared with other major decentralized finance (DeFi) chains. The new lending protocol is structured as unsecured loans with predefined repayment schedules, with possibilities for future expansion.
The third feature is confidential transfers. Institutions typically seek to avoid front-running by competitors during large transactions and to minimize exposure of their asset holdings. XRPL plans to introduce a structure in the first quarter that supports encrypted balances and private transfers, while still enabling regulatory audits.
The outlet assessed that the combination of a permissioned marketplace, on-chain lending, and confidential transfers would enable institutional investors to borrow funds and buy, hold, or liquidate tokenized assets in full compliance with regulations while maintaining privacy. If these features lead to actual adoption, more large players could become active on XRPL, potentially driving increased demand for XRP.
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