XRP Ledger Developing Lending and Confidential Transfer Features
The XRP Ledger is pushing for an institutional infrastructure expansion that includes lending, vaults, confidential transfers, and permission delegation features. This change is not about providing automatic profits or private transfers to Ripple holders, but rather corresponds to a roadmap that still has validator approvals and implementation procedures pending. According to the official XRP Ledger documentation, features such as LendingProtocolV1_1, SingleAssetVault, ConfidentialTransfer, and PermissionDelegationV1_1 are under development. Credit assessments will be conducted off-chain, while execution will be handled on-chain. Ripple explained that the XRP Ledger lending protocol is a model that assesses credit externally and standardizes the execution and repayment of loans on-chain. The single-asset vault can hold XRP, trustline tokens, and MPT, while the confidential vault must meet specific conditions. Privacy features will only be available to MPT holders and will apply only to direct transfers between accounts. The permission delegation feature is a mechanism that enhances operational convenience and security, allowing delegated accounts to execute only limited permissions. The lending feature is connected to institutional credit infrastructure, and Clearpool has already begun developing a lending protocol based on the XRP Ledger. The expansion of features does not imply risk removal, but signifies an expanded scope of use for XRP holders.
-- Price
This content is provided for general informational purposes only and doesn't constitute financial, investment, legal, or tax advice. Any events, rewards, online promotions, or related information mentioned herein should not be considered a recommendation, solicitation, or invitation to purchase, sell, trade, or otherwise deal in any crypto assets. Crypto assets are highly volatile and may result in loss. The availability of WEEX services, products, and related events may vary by region. You are responsible for ensuring that your participation is in accordance with applicable local laws and regulations.
You may also like

Stablecoin card spending could reach $50B annually by 2028: RedotPay

Las Vegas businessman faces 280 years over $24 million crypto Ponzi scheme

Gemini enables XRP transfers via XRPL in Singapore

Ripple co-founder Chris Larsen faces Flock protest

Ripple Active Addresses Increase by 35%, New Addresses Stagnate

XRP Ledger Node Operators Required to Upgrade to xrpld 3.3.0

Ripple CEO Garlinghouse Discusses CLARITY Act with CFTC, XRP Rises to $1.48

Goldman Sachs Holds 5 XRP Spot ETFs Worth Approximately $86.5 Million

XRP Spot ETF Sees Net Inflow of $39.78 Million Last Week

Wintermute Increases Short Exposure in Cryptocurrency to $191 Million

Federal Reserve Holds $1.62 Trillion in U.S. Treasury Bonds Exceeding 10 Years

Volante Integrates Ripple with FedNow

Transaction Volume on XRP Ledger Increased by 150%, Active User Count Rose by 224%

Shiba Inu Joins Six Approved Crypto Assets in Japan

XRP Price Drops by 20%, Stablecoin Volume on XRPL Increases by 10%

Laser Digital Japan Obtains Cryptocurrency Trading License, Ending Nearly 4-Year Registration Gap

Bitcoin and Ethereum ETFs Attract $2.6 Billion in Largest Week Since October 2025

Ripple AI Payments Reach 1 Million Transactions, Onboarding Physical Consumption

Goldman Sachs Reinvests in XRP ETFs in Q2

XRP Ledger Permission Delegation Amendment Receives 7 Votes, Falls Short of Mainnet Activation Threshold

Ripple CEO backs AI as revenue set to double in 2026

Fidelity names 6 risks to cryptoβs AI agent thesis

Ripple Supports New Credit Fund in Stablecoin RLUSD

Ripple Partners with Clearpool and Cicada to Build Lending and Credit Trading Infrastructure for Institutional Investors on XRPL

Ripple Prioritizes Institutional Financial Infrastructure Strategy Over IPO

Franklin Expands XRP Position to 225 Million, Cardano Sets Upgrade Plan Until 2027

Former Ripple Developer Teases Launch of Ripple Dollar Payment Startup

$2,970 Ripple ETF Reflected in Bank of Montreal Filing

Bitmine Announces BMNP Dividend Plan for This Year, Nvidia Holds $21 Billion Stake in SpaceX











