MiCA (EU Crypto Regulations) White Paper for XRP Proves that XRPL Is Decentralized

Anders’s recent X post spotlighted a development that goes well beyond crypto chatter: LCX, a regulated digital-asset exchange based in Liechtenstein, has filed a Markets in Crypto-Assets (MiCA) white paper for XRP. LCX has no formal ties to Ripple or the XRP Ledger (XRPL), making the document an independent, regulator-facing assessment rather than promotional material.

The filing is now listed with the European Securities and Markets Authority (ESMA) and provides a detailed, verifiable account of how the XRPL operates. Independent Regulatory Filing LCX routinely prepares MiCA white papers for various blockchains as part of its exchange-listing process.

Its XRP paper outlines XRPL’s consensus mechanism, governance, and energy profile to meet MiCA’s strict disclosure standards. By describing the network’s validator model in a public, regulator-approved document, LCX has given investors and supervisors a transparent source for evaluating decentralization claims.

Proof that XRP(L) is decentralised! And is it even more decentralised than blockchains with other consensus mechanisms?

LCX released a MiCA (EU crypto regulations) white paper for XRP! Let's take a look at what LCX say and why it's important.

1/6 pic. twitter.

com/oZ5nfNvTEZ — Anders (@X__Anderson) September 18, 2025 Consensus Without Financial Rewards Central to LCX’s analysis is XRPL’s federated consensus protocol, known as the Ripple Protocol Consensus Algorithm (RPCA). Unlike Proof-of-Work (PoW) or Proof-of-Stake (PoS) systems, XRPL validators do not earn block rewards or staking income.

Their incentive is reputational and functional: businesses and services that depend on the ledger run validators to protect their own operations. LCX concludes that the absence of direct monetary incentives “reduces the risk of manipulation” and enhances decentralization by avoiding the economic concentration often seen when validators are paid in native tokens.

How XRPL Compares to Other Networks Debates over decentralization are complex and multi-dimensional. Proof-of-Work (PoW) networks can face challenges such as being slowed down by their high energy requirements and the concentration of mining power in dominant pools.

While PoS systems sometimes concentrate power among large token holders. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Even the Bank for International Settlements has cautioned that certain PoS models may centralize over time.

XRPL’s approach sidesteps these token-based incentives, but independent researchers note that decentralization also depends on validator diversity and governance transparency. Critics often point to the historically small default Unique Node List (UNL) and Ripple’s influence in validator selection as factors that merit ongoing scrutiny.

Evidence, Not a Final Verdict The LCX white paper offers concrete, regulator-level evidence that XRPL was designed to minimize centralizing economic incentives . It reinforces the long-standing argument that the ledger can remain decentralized without mining or staking rewards, while keeping transaction fees low and predictable.

Ultimately, genuine decentralization is determined by the actual distribution of validators and community governance, requiring a consistent assessment that goes beyond a single filing. Anders’s highlight of the LCX MiCA white paper underscores a pivotal point: XRP’s architecture and governance are now documented in a regulatory framework rather than marketing materials.

The paper strengthens the case that the XRP Ledger is decentralized by design, but it also invites ongoing analysis of validator participation and network governance. For anyone tracking the debate over which consensus mechanisms best preserve decentralization, the LCX report provides authoritative evidence—and a reminder that the conversation is far from over.

Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion.

Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk.

Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post MiCA (EU Crypto Regulations) White Paper for XRP Proves that XRPL Is Decentralized appeared first on Times Tabloid .