A proposed XRPL upgrade would let banks and fintechs pay customers’ XRP reserves and transaction fees while users keep control of their accounts. That could make onboarding easier, but it would also shift XRP ownership toward institutions carrying those costs on their own balance sheets. https://cryptoslate.com/a-new-xrpl-upgrade-could-concentrate-xrp-ownership-inside-banks-instead-of-retail-wallets/