Ripple advances institutional finance strategy through lending and privacy tools

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

Currently, three compliance features—credentials, deep freeze, and simulation—have already gone live. Credentials are linked to decentralized identity identifiers, helping issuers verify user attributes; deep freeze can prevent sanctioned accounts from transferring funds; simulation allows developers to test transactions without recording them. These tools expand the compliance toolkit. The upcoming lending protocol will introduce pooled lending and underwritten credit, enabling institutions to access low-cost compliant loans, while smaller investors will also have opportunities to earn yields.

In the future, the XRPL community will also develop zero-knowledge proofs, and confidential multi-purpose tokens to be launched in early 2026 will enable collateral management without disclosing sensitive data. The roadmap shows that Ripple aims to make XRPL a leading blockchain for institutional finance, and whether it can be adopted by institutions will depend on its ability to balance regulatory compliance with secure scalability.