Ripple shared insight early this week that the XRP Ledger (XRPL) has secured a leading role in institutional decentralized finance (DeFi), surpassing $1 billion in monthly stablecoin transactions and becoming one of the top 10 chains for real-world asset activity. The company presented an institutional roadmap that reflects its long-term vision for blockchain in global markets.

The plan focuses on three strategic pillars: building advanced compliance infrastructure, launching a native lending protocol to expand credit access, and developing privacy tools with zero-knowledge proofs to balance transparency and regulatory needs. Ripple framed these milestones as essential to ensuring XRPL’s position as a settlement layer trusted by both crypto-native enterprises and regulated financial institutions.

“Institutional DeFi has crossed the tipping point from pilot projects to billion-dollar volumes,” Ripple stated, adding:

Over the last year, the XRP Ledger (XRPL) has broken into the top 10 chains for real-world assets (RWAs), reached its first $1B+ month in stablecoin volume, and cemented its role as a settlement layer trusted by both crypto-native firms and regulated financial institutions.

The first phase of the roadmap has already delivered significant features: Credentials, tied to decentralized identifiers, allow issuers to verify KYC and regulatory permissions; Deep Freeze provides token issuers with the ability to restrict flagged accounts; and Simulate gives institutions a secure way to test transactions.

Alongside these compliance tools, protocol upgrades such as permissioned decentralized exchanges, escrow extensions, and the multi-purpose token (MPT) standard are laying the groundwork for tokenized financial instruments, enabling more complex assets like bonds and structured products to trade natively on XRPL.

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