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- Ripple targets institutional trust with a privacy focus, linking Zero-Knowledge Proofs and compliance-ready on-chain credentials.
- Upcoming XLS-66 privacy protocol and smart contract standards mark XRP Ledger’s shift toward secure institutional adoption.
Ripple CEO has identified privacy as the last missing piece for XRP Ledger’s wider institutional adoption. The statement came through a post shared by an XRPL contributor, Vet, who recently spoke with Ripple’s CEO, Brad Garlinghouse, about the network’s future direction.
“I asked Brad here what’s the path to get more institutional adoption on the XRP Ledger, so that institutions are comfortable with sharing tx hashes with us,” Vet wrote. “He said privacy.”
Garlinghouse’s comment aligns with the view of many within the XRP community who believe privacy will complete the ecosystem’s institutional structure. The network already supports decentralized identifiers, on-chain credentials, and permissioned domains built to meet the compliance standards set by major financial institutions.
Alongside this, XRPL has introduced multi-purpose tokens (MPTs) to improve asset tokenization. The network’s decentralized exchange now combines automated market maker (AMM) liquidity with its built-in order book, creating a smoother trading setup across its growing ecosystem.
I asked Brad here what's the path to get more institutional adoption on the XRP Ledger, so that institutions are comfortable with sharing tx hashes with us.
>He said privacy.
Fast forward it all makes sense and fits nicely together.
We passed many compliance amendments like… pic.twitter.com/OfTSBvATEH
— Vet 🏴☠️ (@Vet_X0) October 5, 2025
Privacy Seen as the Bridge to Institutional Entry
Ripple’s leadership and developers point to a privacy layer as the final upgrade before large-scale institutional adoption. Under proposal XLS-66, lending and borrowing features will allow institutions to use tokenized real-world assets as collateral. At the same time, zero-knowledge proofs (ZKPs) will keep their data private and secure.
This privacy framework is not intended to block regulators but to help organizations keep their sensitive data safe from competitors while showing compliance clearly on the blockchain. Such measures can attract large financial institutions that demand data confidentiality without losing transparency required by regulators.
Ripple’s technical plan also includes smart escrows under XLS-100 and smart contracts under XLS-101. These two features work together to make the network secure and improve interoperability within XRPL’s structure.
Ripple’s 2026 Upgrade to Unlock Trillions in RWAs
Ripple’s Senior Director of Engineering, Ayo Akinyele, recently supported this view and said that in the next ten years, trillions of dollars in institutional assets will move to blockchain systems. He stressed that privacy will play a very important role in making this shift happen.
Akinyele confirmed that the confidential multi-purpose tokens project is planned for the first quarter of 2026. This upgrade will let institutions manage private collateral on a large scale. He stated,
In 2026, confidential MPTs will bring privacy-preserving tokenized collateral to market—an essential step for institutional adoption of tokenized RWAs and DeFi.
Ripple’s XRP is currently trading at $2.98, marking a 3.17% gain over the past week. The token recently broke above its falling wedge pattern formed since mid-July, a movement that typically favours bullish trends.
After the breakout, XRP retested the upper boundary of the wedge and held its ground. Analysts now view $3.40 as the next key resistance level if current momentum continues. The RSI stands at 53, suggesting that buying pressure is building.
