J. Ayo Akinyele, Head of Engineering at RippleX, has released a detailed analysis exploring whether the XRP Ledger (XRPL) could one day support native staking, prompting new discussion about how the network’s incentive and governance models may evolve.
This proposal comes at a time when XRPL’s DeFi presence remains limited despite 13 years of activity. Ripple’s top executives, David Schwartz and Brad Garlinghouse, have also voiced support for moving XRPL beyond its payment-focused origins and into broader decentralized finance (DeFi) functionality.
Sponsored
Sponsored
What Would XRP Native Staking Look Like According to Ripple Engineers?
According to Akinyele, XRP has evolved far beyond its origins as a fast settlement asset, now serving key functions in liquidity, real-time value movement, and tokenization. The recent launch of the first XRP ETF further highlights the asset’s growing relevance.
In the detailed post, the RippleX executive explained that XRPL’s Proof of Association consensus operates differently from traditional Proof-of-Stake systems. Fees are burned rather than redistributed, and validator trust is earned through performance rather than financial stake.
Akinyele emphasizes that such a feature would not be a simple addition. It would require rethinking how value circulates within the network while preserving XRPL’s stability and decentralization.
Schwartz, one of the original architects of the XRP Ledger, also joined the conversation. He outlined two experimental ideas circulating within the engineering community.
The first idea is a two-layer consensus model. In this design, an inner layer of 16 validators would be chosen by the outer layer based on stake. This inner validator set would use staking and slashing mechanisms solely to advance the ledger.
Sponsored
Sponsored
The second idea maintains XRPL’s current consensus model unchanged. Instead of restructuring validators, it proposes using transaction fees to pay for zero-knowledge (ZK) proofs that confirm the correct execution of smart contracts.
With this approach, nodes would no longer need to run the smart contracts themselves. Schwartz described both ideas as technically impressive but not realistically viable “any time soon.”
With programmability efforts and smart contract discussions progressing, Schwartz said it is an appropriate moment to consider what new native DeFi capabilities might eventually look like.
The discussion has sparked interest among XRP holders, particularly because XRPL’s presence in the DeFi sector remains relatively small.
According to DeFiLlama, the XRP Ledger currently holds $75.77 million in total value locked (TVL). This is a modest figure compared to Ethereum’s roughly $71.36 billion and Solana’s $9.443 billion.
If native staking were ever introduced, it could attract additional capital from investors seeking reliable on-chain yields, potentially accelerating XRPL’s growth within the DeFi ecosystem and expanding XRP’s utility.
Source: https://beincrypto.com/xrp-ledger-staking-defi/
