Ripple advances institutional finance strategy

ChainCatcher news, according to market news, Ripple stated in the roadmap released on Monday that it is accelerating its institutional finance strategy by launching a series of compliance and credit tools, while preparing to launch a native lending protocol later this year.

Currently, three compliance features—credentials, deep freeze, and simulation—are online. Credentials are associated with decentralized identity verification, helping issuers verify user attributes; deep freeze prevents the transfer of funds from sanctioned accounts; simulation allows developers to test transactions without recording them, expanding the compliance toolkit. The upcoming lending protocol will introduce pooled lending and underwritten credit, providing institutions with low-cost compliant loans and opportunities for small investors. In the future, the XRPL community will also develop zero-knowledge proofs, and the confidential multi-purpose tokens set to launch in early 2026 will enable collateral management without disclosing sensitive data. The roadmap indicates that Ripple aims to position XRPL as a leading blockchain for institutional finance, and its adoption by institutions will depend on balancing regulation and secure scalability.