Ripple Engineer says XRPL now focuses on institutional adoption

Ripple cryptographer ￰1￱ Akinyele is spearheading efforts to position the XRP Ledger (XRPL) as the top choice for institutions by prioritizing privacy-first ￰2￱ a recent blog post published on October 2, Akinyele emphasized that the key to meeting institutional demands lies in combining the transparency of public blockchains with ￰3￱ pointed out that privacy on-chain should be a baseline protection for the encryption that secures online ￰4￱ cited zero-knowledge proofs (ZKPs), a type of cryptography that establishes the veracity of a statement without disclosing the underlying information, as a means of facilitating private but law-abiding ￰5￱ suggested Know Your Customer (KYC) as an example of completing the process without disclosing identities to the entire ￰6￱ to Akinyele, organizations will not transfer essential processes to public ledgers unless confidentiality is built into ￰7￱ added that regulators will not approve public ledgers if accountability is not ￰8￱ emphasized that wallet infrastructure, selective disclosure, and ZKPs are designed to close that ￰9￱ drives XRPL’s privacy-first push for institutional DeFi “Without privacy, financial institutions cannot safely use public ￰10￱ accountability, regulators cannot sign ￰11￱ programmable privacy, we can have both.” ￰0￱ Meet ￰12￱ Akinyele @ja_akinyele , cryptographer and RippleX Senior Director of… — RippleX (@RippleXDev) October 2, 2025 Akinyele stated that he is committed to making XRPL the go-to option for organizations seeking trust and innovation throughout the upcoming year ￰13￱ to Akinyele, zero-knowledge proofs (ZKPs) will be essential for enhancing scalability and facilitating private, legal ￰14￱ stated that the Multi-Purpose Token (MPT) standard, activated on the XRP Ledger (XRPL) mainnet on October 1, 2025, will represent a significant advancement in the on-chain representation of complex financial ￰15￱ Ripple Engineer confirmed that Confidential MPTs will introduce privacy-preserving tokenized collateral to the market in ￰16￱ confirmed that confidential MPTs will be a necessary step for institutional adoption of DeFi and tokenized RWAs.

“The future of blockchains belongs to builders who remove unnecessary ￰17￱ we can prove correctness, prevent misuse, and give users confidence that their assets and data are safe, then blockchain tech won’t just scale, it will transform finance.” ~ Ayo Akinyele, Senior Director of Engineering at Ripple Institutional DeFi has reached a transaction volume of $1 billion, marking a significant milestone in its transition from pilot initiatives, including tokenized real-world assets (RWAs), stablecoin transactions, and lending ￰18￱ the past year, the XRP Ledger (XRPL) has established itself as a settlement layer that both regulated financial institutions and crypto-native businesses trust, and broken into the Top 10 chains for real-world assets (RWAs).

According to Akinyele, the introduction of XRPL Version 3.0, a protocol-level lending system that permits pooled lending and underwritten credit, is a key component of this approach. Ripple’s team claimed that XRPL version 3.0 aims to establish its position in the upcoming stage of institutional finance by utilizing XRP as a utility token for collateral management and ￰19￱ Ripple engineer confirmed that the capacity of XRPL to tokenize real-world assets (RWAs) and expedite cross-border payments is driving its institutional ￰20￱ champions XRPL’s bridge for institutional assets Akinyele thinks that scalability must not come at the expense of security or ￰21￱ mitigate market-structure risks without reverting to intermediaries, Akinyele emphasized the use of trusted execution environments (TEEs).

The (TEEs) will help in equitable transaction sequencing to prevent front-running and confidential computing for executing sensitive functionality off-chain, while producing verifiable ￰22￱ Ripple engineer also positioned XRPL as “uniquely positioned to bridge” what he described as “many trillions of dollars in assets set to move on-chain over the coming decade,” citing the ledger’s decade-long operating history, built-in decentralized exchange, escrow, and payment channels as finance-oriented primitives already at the protocol ￰23￱ a premium crypto trading community free for 30 days - normally $100/mo.