Ripple Announces Major Privacy Upgrade For XRP Ledger – What To Know

Ripple’s Senior Director of Engineering, ￰0￱ Akinyele, has announced a significant privacy upgrade for the XRP Ledger (XRPL) . In a blog post published in October 2025, Akinyele explained that the goal is to protect sensitive transaction details while still following global ￰1￱ shared the full roadmap in the official blog post, describing how the upgrade will help users protect sensitive data while staying within regulatory ￰2￱ Introduces Zero-Knowledge Proof Roadmap For Enhanced Privacy In his October 2025 blog post, ￰3￱ Akinyele outlined Ripple’s new zero-knowledge proof (ZKP) roadmap for the XRP ￰4￱ to the roadmap, there are two main steps in this latest ￰5￱ first step, planned for the next 12 months, will add private and compliant transactions to XRPL using zero-knowledge ￰6￱ this upgrade on the XRP ledger , businesses can conduct transactions privately while still complying with financial ￰7￱ second step, set for 2026, will introduce Confidential Multi-Purpose Tokens (MPTs).

These MPTs will enable the representation of real-world assets, such as real estate, commodities, or company shares, to be stored on the XRPL while maintaining the confidentiality of sensitive ownership details. A bank, for example, could confirm a transaction is valid without revealing its complete information to competitors or the ￰8￱ upgrades, described by Ripple as essential features for “ programmable privacy, ” would allow users to choose how, when, and with whom they share their ￰9￱ flexible design could raise the standard for how digital ledgers can balance openness with security and meet the growing need for secure and regulation-friendly blockchain ￰10￱ Adoption And XRPL 3.0: Setting New Standards For Compliance Ripple’s engineers say the goal of the upgrade is to make XRPL a stronger and more compliant platform for financial institutions.

A significant part of this effort is the Multi-Purpose Token (MPT) standard , which Akinyele confirmed officially went live on the XRPL mainnet in October ￰11￱ current version enables tokenized assets, such as property or commodities, to exist natively on the ￰12￱ next version, expected in 2026, will extend this framework into fully confidential tokens, supporting private asset trading and ￰13￱ with these privacy tools, Akinyele also noted that Ripple’s engineering team is preparing a native lending protocol for XRPL Version 3.0.0, which will support decentralized credit and liquidity ￰14￱ new lending protocol will bring borrowing, lending, and trading directly onto the XRP ￰15￱ roadmap reflects Ripple’s plan to strengthen XRPL’s appeal to institutions by building a secure and regulation-ready network for the years ￰16￱ the privacy and tokenization upgrades on the XRP Ledger, Ripple moves closer to building an enterprise-grade blockchain that strikes a balance between privacy, compliance, and real-world functionality.