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Project Overview
XRP Ledger is a decentralized public blockchain. Anyone can connect their computer to the peer-to-peer network that manages the ledger. Ripple is a contributor to this network. With the XRPL, developers are building innovative projects and applications across various blockchain use cases, such as tokenizing assets, online gaming, asset custody, NFTs, and DeFi.
Ripple plans to introduce an institutional-grade lending protocol on XRPL, allowing tokenized assets to be used as collateral for financing.
Ripple is advancing the addition of a lending infrastructure layer on the XRP Ledger (XRPL), enabling institutions to raise funds using on-chain tokenized assets as collateral. The protocol will automatically execute loan terms, while credit evaluation and lending decisions remain handled by off-chain institutions.According to disclosures, the proposal is named the XRPL Lending Protocol (corresponding to XLS-65 and XLS-66 standards). It is currently in the technical draft stage and will require approval through validator voting before launching on the mainnet, but developer testing has already been opened on the test network.The protocol’s design splits the lending process into two parts: on-chain management of liquidity pools, interest calculation, repayment execution, and default handling; while borrower credit assessment and loan term setting remain with traditional financial institutions to meet compliance requirements across different jurisdictions.Ripple states that the mechanism is primarily aimed at institutional short-term liquidity needs. For example, in cross-border payment scenarios, temporary financing through stablecoins or collateral assets can be obtained before settlement is completed, thereby improving capital efficiency.Analysts believe that while the plan attempts to introduce a “rule-enforced lending infrastructure” similar to traditional finance while maintaining XRPL's open network attributes, it will still face competition from established on-chain lending protocols such as Aave, Compound, and Maple. (CoinDesk)
Bitget Wallet Launches May Day QR Code Payment Campaign with Cashback up to 1,000 RLUSD per Transaction
Bitget Wallet has launched a Labor Day QR code payment campaign, running from April 28 to May 7, further driving the adoption of stablecoin payments in everyday consumption and travel scenarios across the Asia-Pacific (APAC) region. During the campaign, users who complete offline QR code payments using USDT or USDC will receive RLUSD cashback for each transaction. From May 1 to May 7, Bitget Wallet will randomly select one paying user per day to receive an additional 1,000 RLUSD cashback. To lower the barrier to first-time usage, Bitget Wallet will also airdrop XRP to eligible participants—serving as the account reserve required to activate RLUSD withdrawals. RLUSD is a compliant U.S. dollar-pegged stablecoin issued by Ripple and regulated by the New York State Department of Financial Services (NYDFS). This campaign marks Bitget Wallet’s first real-world consumer application following its integration of the XRP Ledger (XRPL) mainnet and onboarding of the RLUSD payment ecosystem at the end of March—and represents a key milestone in advancing Bitget Wallet’s Everyday Finance strategy.
Ripple Unveils Quantum-Resistant Phased Roadmap: Aims to Upgrade XRP Ledger by 2028
Odaily News Ripple has announced a phased roadmap, planning to advance the XRP Ledger towards a quantum-resistant upgrade by 2028. The plan includes formulating a "Quantum-Day" contingency plan to address potential sudden threats from quantum computing and will involve preliminary testing and validation in collaboration with Project Eleven. Ripple stated that this initiative aims to prepare in advance for the transition to post-quantum security, with the entire plan to be implemented in four phases:Phase 1: Q-Day Emergency Preparedness (Initiated). Establish a Quantum Day (Q-Day) emergency response mechanism. If existing classical cryptographic systems are suddenly compromised, the network will immediately stop accepting traditional public key signatures and enforce a mandatory migration to quantum-safe accounts.Phase 2: Risk Assessment & Algorithm Testing (First Half of 2026). Conduct a comprehensive assessment of the impact of post-quantum cryptography on the XRP Ledger's network performance, storage, and bandwidth. Collaborate with Project Eleven to perform validator-level testing and Devnet benchmarking, deploy the NIST-standardized ML-DSA quantum-safe signature scheme, and develop a prototype for a post-quantum custody wallet.Phase 3: Devnet Hybrid Integration (Second Half of 2026). Integrate candidate post-quantum signature schemes in parallel with existing elliptic curve signatures on the Developer Network (Devnet), allowing developers to test performance and system impact without affecting the mainnet. Simultaneously explore post-quantum zero-knowledge proof primitives and homomorphic encryption technologies for Confidential Transfers, to advance the privacy and compliance capabilities for tokenized real-world assets on the XRPL.Phase 4: Mainnet Full Upgrade (Target 2028). Submit a formal protocol Amendment. Upon approval through validator voting, natively enable full post-quantum cryptography on the mainnet. (Cointelegraph)
XRP Ledger Integrates Boundless Zero-Knowledge Technology to Enhance Bank-Grade On-Chain Privacy Compliance
According to Cointelegraph, the blockchain payment network XRP Ledger (XRPL) has partnered with zero-knowledge infrastructure provider Boundless to integrate its zero-knowledge technology into the underlying network, aiming to enable confidential and compliant on-chain transactions for banks and asset management firms. Shiv Shankar, CEO of Boundless, stated that the solution protects sensitive information—including transaction size, frequency, and counterparty details—through selective disclosure and role-based access control, while ensuring regulatory authorities can audit related activities. This integration is expected to drive adoption across multiple institutional use cases on public blockchains, including cross-border corporate payments, treasury management, over-the-counter (OTC) trading, tokenized asset issuance, and decentralized finance (DeFi). Industry observers believe that striking a balance between privacy and compliance is becoming a key factor in driving institutional adoption of public blockchains.
Next week's release: XRP Ledger's new version, xrpld 3.3.0, will feature five new capabilities
Odaily News: Jazzi Cooper, RippleX Product Lead, announced on X that the next version of XRP Ledger, xrpld 3.3.0, is set to launch next week. Upon release, it will introduce five new features to validators: confidential MPT, batch transactions, delegated permissions, fee sponsorship and reserves, and dynamic MPT. Among these, the amendments for batch transactions and delegated permissions were previously urgently withdrawn after security researchers discovered severe vulnerabilities. She noted that XRP Ledger already has the capacity to support tokenized assets at scale, and this upgrade will further drive the adoption of these assets in global transfers, trading, collateralization, and settlement scenarios.
Bybit RLUSD Interest Earn Major Launch: Enjoy 7% Fixed APY
It is reported that Bybit has officially launched the RLUSD holdings interest campaign. Holding a minimum of 1 RLUSD earns a fixed 7% APY, with no subscription required and no locking period. RLUSD is a USD-backed stablecoin issued by Ripple, natively issued on blockchains such as XRP Ledger and Ethereum. It is fully backed by independently custodied cash and cash equivalent reserves and can be redeemed for USD at a 1:1 ratio. Campaign Highlights: • No threshold to participate, earn simply by holding, and enjoy exclusive hidden benefits for long-term holdings • 7% fixed APY, automatically distributed daily • 50,000 RLUSD Trading Competition launched simultaneously: Participate in the ranking by trading with RLUSD as UTA margin This campaign stacks holding yields + trading competition prize pool + long-term benefits, enabling users to enjoy triple benefits simultaneously. Trading Competition: https://www.bybit.com/promo/campaign/RLUSD_Trading_Competition
Ripple: Joins x402 Foundation as Premier Member, XRP and RLUSD Support x402 Transactions
Ripple announced on July 14, 2026, that it has joined the x402 Foundation under the Linux Foundation as a Premier Member, participating in the technical and governance development of the protocol. The x402 Foundation, initiated by 40 member organizations, aims to develop an open payment standard based on HTTP for AI agents, APIs, and applications. Coinbase has contributed x402 to the Linux Foundation, supporting AI agents, APIs, and applications in sending and receiving payments directly during network interactions. Ripple stated that the XRP Ledger already supports agent payments via x402, including transactions using XRP and the Ripple USD stablecoin RLUSD. (Bitcoin.com News).
Ripple reveals eight RLUSD developments involving payments, exchanges, and cross-chain infrastructure
Jack McDonald, Senior Vice President of Ripple's stablecoin business, disclosed eight recent developments regarding RLUSD in a post on X on June 29, covering settlement, regional access, on-chain liquidity, cross-border payments, multi-chain support, exchange listings, charity, and the Japanese market. Mastercard has expanded its settlement capabilities to support RLUSD across eight blockchain networks, including the XRP Ledger. Ripple has also expanded RLUSD's availability in Turkey through partnerships with BiLira, Bitexen, and Bitlo, and collaborated with Bitso to enable RLUSD and MXNB to support liquidity and cross-border transactions via the XRP Ledger's Permissioned DEX. RLUSD has also achieved multi-chain support through Wormhole Native Token Transfers and entered the Japanese market via SBI VC Trade after receiving approval from the Japan Financial Services Agency. Additionally, RLUSD has been listed on exchanges such as Gate and Floq, integrated with the cross-chain infrastructure provider Squid Router, and Ripple has joined Water's GetBlue campaign as its exclusive digital asset and payment partner.
Ripple plans to introduce an institutional-grade lending protocol on XRPL, allowing tokenized assets to be used as collateral for financing.
Ripple is advancing the addition of a lending infrastructure layer on the XRP Ledger (XRPL), enabling institutions to raise funds using on-chain tokenized assets as collateral. The protocol will automatically execute loan terms, while credit evaluation and lending decisions remain handled by off-chain institutions.According to disclosures, the proposal is named the XRPL Lending Protocol (corresponding to XLS-65 and XLS-66 standards). It is currently in the technical draft stage and will require approval through validator voting before launching on the mainnet, but developer testing has already been opened on the test network.The protocol’s design splits the lending process into two parts: on-chain management of liquidity pools, interest calculation, repayment execution, and default handling; while borrower credit assessment and loan term setting remain with traditional financial institutions to meet compliance requirements across different jurisdictions.Ripple states that the mechanism is primarily aimed at institutional short-term liquidity needs. For example, in cross-border payment scenarios, temporary financing through stablecoins or collateral assets can be obtained before settlement is completed, thereby improving capital efficiency.Analysts believe that while the plan attempts to introduce a “rule-enforced lending infrastructure” similar to traditional finance while maintaining XRPL's open network attributes, it will still face competition from established on-chain lending protocols such as Aave, Compound, and Maple. (CoinDesk)
Squid Integrates Ripple's Stablecoin RLUSD, Enabling One-Click Cross-Chain Swaps
Squid, a cross-chain infrastructure platform, has announced the integration of RLUSD, the stablecoin issued by Ripple. Users can now swap into or out of RLUSD in a single transaction across different blockchains and digital assets.Through this integration, RLUSD will gain access to over 100 blockchains and more than 20,000 tokens supported by Squid. Users can directly exchange assets such as USDC, USDT, ETH, and XRP for RLUSD without needing to manually bridge chains, wrap tokens, or execute multiple transactions.RLUSD is natively issued on the XRP Ledger and Ethereum, and has been extended to Ethereum Layer 2 networks such as the XRPL EVM Sidechain, Optimism, Base, Ink, and Unichain via Wormhole's Native Token Transfer standard. Squid's routing layer sits atop these underlying transfer mechanisms, allowing users to utilize RLUSD irrespective of the specific issuance chain.Squid states that its intent-based routing system, which uses market makers to fulfill orders with liquidity on the destination chain, can settle transactions within seconds and is compatible with various cross-chain messaging and issuance standards. Beyond end-users, developers can also integrate RLUSD through Squid's tools for applications including cross-chain payments, treasury management, user onboarding, and DeFi.
Related news
Next week's release: XRP Ledger's new version, xrpld 3.3.0, will feature five new capabilities
Odaily News: Jazzi Cooper, RippleX Product Lead, announced on X that the next version of XRP Ledger, xrpld 3.3.0, is set to launch next week. Upon release, it will introduce five new features to validators: confidential MPT, batch transactions, delegated permissions, fee sponsorship and reserves, and dynamic MPT. Among these, the amendments for batch transactions and delegated permissions were previously urgently withdrawn after security researchers discovered severe vulnerabilities. She noted that XRP Ledger already has the capacity to support tokenized assets at scale, and this upgrade will further drive the adoption of these assets in global transfers, trading, collateralization, and settlement scenarios.
Bybit RLUSD Interest Earn Major Launch: Enjoy 7% Fixed APY
It is reported that Bybit has officially launched the RLUSD holdings interest campaign. Holding a minimum of 1 RLUSD earns a fixed 7% APY, with no subscription required and no locking period. RLUSD is a USD-backed stablecoin issued by Ripple, natively issued on blockchains such as XRP Ledger and Ethereum. It is fully backed by independently custodied cash and cash equivalent reserves and can be redeemed for USD at a 1:1 ratio. Campaign Highlights: • No threshold to participate, earn simply by holding, and enjoy exclusive hidden benefits for long-term holdings • 7% fixed APY, automatically distributed daily • 50,000 RLUSD Trading Competition launched simultaneously: Participate in the ranking by trading with RLUSD as UTA margin This campaign stacks holding yields + trading competition prize pool + long-term benefits, enabling users to enjoy triple benefits simultaneously. Trading Competition: https://www.bybit.com/promo/campaign/RLUSD_Trading_Competition
Ripple: Joins x402 Foundation as Premier Member, XRP and RLUSD Support x402 Transactions
Ripple announced on July 14, 2026, that it has joined the x402 Foundation under the Linux Foundation as a Premier Member, participating in the technical and governance development of the protocol. The x402 Foundation, initiated by 40 member organizations, aims to develop an open payment standard based on HTTP for AI agents, APIs, and applications. Coinbase has contributed x402 to the Linux Foundation, supporting AI agents, APIs, and applications in sending and receiving payments directly during network interactions. Ripple stated that the XRP Ledger already supports agent payments via x402, including transactions using XRP and the Ripple USD stablecoin RLUSD. (Bitcoin.com News).
Ripple reveals eight RLUSD developments involving payments, exchanges, and cross-chain infrastructure
Jack McDonald, Senior Vice President of Ripple's stablecoin business, disclosed eight recent developments regarding RLUSD in a post on X on June 29, covering settlement, regional access, on-chain liquidity, cross-border payments, multi-chain support, exchange listings, charity, and the Japanese market. Mastercard has expanded its settlement capabilities to support RLUSD across eight blockchain networks, including the XRP Ledger. Ripple has also expanded RLUSD's availability in Turkey through partnerships with BiLira, Bitexen, and Bitlo, and collaborated with Bitso to enable RLUSD and MXNB to support liquidity and cross-border transactions via the XRP Ledger's Permissioned DEX. RLUSD has also achieved multi-chain support through Wormhole Native Token Transfers and entered the Japanese market via SBI VC Trade after receiving approval from the Japan Financial Services Agency. Additionally, RLUSD has been listed on exchanges such as Gate and Floq, integrated with the cross-chain infrastructure provider Squid Router, and Ripple has joined Water's GetBlue campaign as its exclusive digital asset and payment partner.
Ripple plans to introduce an institutional-grade lending protocol on XRPL, allowing tokenized assets to be used as collateral for financing.
Ripple is advancing the addition of a lending infrastructure layer on the XRP Ledger (XRPL), enabling institutions to raise funds using on-chain tokenized assets as collateral. The protocol will automatically execute loan terms, while credit evaluation and lending decisions remain handled by off-chain institutions.According to disclosures, the proposal is named the XRPL Lending Protocol (corresponding to XLS-65 and XLS-66 standards). It is currently in the technical draft stage and will require approval through validator voting before launching on the mainnet, but developer testing has already been opened on the test network.The protocol’s design splits the lending process into two parts: on-chain management of liquidity pools, interest calculation, repayment execution, and default handling; while borrower credit assessment and loan term setting remain with traditional financial institutions to meet compliance requirements across different jurisdictions.Ripple states that the mechanism is primarily aimed at institutional short-term liquidity needs. For example, in cross-border payment scenarios, temporary financing through stablecoins or collateral assets can be obtained before settlement is completed, thereby improving capital efficiency.Analysts believe that while the plan attempts to introduce a “rule-enforced lending infrastructure” similar to traditional finance while maintaining XRPL's open network attributes, it will still face competition from established on-chain lending protocols such as Aave, Compound, and Maple. (CoinDesk)
Squid Integrates Ripple's Stablecoin RLUSD, Enabling One-Click Cross-Chain Swaps
Squid, a cross-chain infrastructure platform, has announced the integration of RLUSD, the stablecoin issued by Ripple. Users can now swap into or out of RLUSD in a single transaction across different blockchains and digital assets.Through this integration, RLUSD will gain access to over 100 blockchains and more than 20,000 tokens supported by Squid. Users can directly exchange assets such as USDC, USDT, ETH, and XRP for RLUSD without needing to manually bridge chains, wrap tokens, or execute multiple transactions.RLUSD is natively issued on the XRP Ledger and Ethereum, and has been extended to Ethereum Layer 2 networks such as the XRPL EVM Sidechain, Optimism, Base, Ink, and Unichain via Wormhole's Native Token Transfer standard. Squid's routing layer sits atop these underlying transfer mechanisms, allowing users to utilize RLUSD irrespective of the specific issuance chain.Squid states that its intent-based routing system, which uses market makers to fulfill orders with liquidity on the destination chain, can settle transactions within seconds and is compatible with various cross-chain messaging and issuance standards. Beyond end-users, developers can also integrate RLUSD through Squid's tools for applications including cross-chain payments, treasury management, user onboarding, and DeFi.