RippleX, the development arm of Ripple, continues to build institutional-grade features for the XRP Ledger (XRPL). The latest updates focus on compliance, with ongoing research into lending and privacy solutions. Compliance tools are live. RippleX has introduced Deep Freeze , which allows issuers to freeze assets when required, and Credentials , which provide identity checks to support regulatory standards. These features are aimed at enabling regulated participants to operate on XRPL. The roadmap outlines additional areas of development but without fixed timelines. A native lending protocol has been discussed, but its inclusion in a future XRPL release is not yet confirmed. Work is also underway on zero-knowledge proof (ZKP) integrations to support confidential transactions, though no launch date is available. RippleX promotes XRPL as a platform for stablecoin payments and collateral management , with tokenization as a core layer. Deep Freeze and Credentials extend the compliance-first direction seen in earlier initiatives such as Ripple’s permissioned decentralized exchange. Adoption remains the central challenge. Ethereum and its layer 2 networks continue to dominate decentralized finance. Solana and Avalanche also compete in tokenization and institutional markets. RippleX must demonstrate that a compliance-heavy approach can secure liquidity and institutional participation. The compliance features are operational today. However, other elements of the roadmap, including lending and confidential token standards, remain at the proposal and research stage. The extent to which these will attract institutional capital is not yet clear.
