Infrastructure shifts do not begin with price action or narratives. They start with systems reaching operational readiness. Ripple’s latest Institutional DeFi roadmapInfrastructure shifts do not begin with price action or narratives. They start with systems reaching operational readiness. Ripple’s latest Institutional DeFi roadmap

Ripple Exec.: XRP Is Emerging As Backbone. Next Wave Is Already Here

2026/02/08 19:02
3 min read

Infrastructure shifts do not begin with price action or narratives. They start with systems reaching operational readiness. Ripple’s latest Institutional DeFi roadmap captures that stage for the XRP Ledger.

Reece Merrick, Ripple’s Senior Executive Officer and Managing Director, summarized the direction clearly. Merrick believes XRP is becoming the backbone for real-world financial infrastructure.

He stated that the XRP Ledger is evolving into “a daily use layer for institutions,” with XRP “powering settlement, FX, collateral, and on-chain credit.” The roadmap he referenced outlines how that evolution is already underway.

XRP Embedded In Settlement and FX Activity

The XRP Ledger now supports regulated participation through Permissioned Domains and on-ledger credentials. These features allow institutions to operate in compliant environments while retaining real-time settlement. Within these structures, XRP serves as the native settlement asset.

XRP acts as the auto-bridge in FX transactions across stablecoins and tokenized assets. Each transaction consumes XRP through network fees, directly tying institutional activity to the asset’s utility. As stablecoin issuance and cross-border FX volumes expand on XRPL, XRP remains central to execution.

The roadmap confirms that these workflows are not experimental. They are designed for daily operational use, with compliance and efficiency built into the base layer.

Collateral Management Moves On-Chain

Collateral efficiency is a priority for financial institutions, and XRPL now supports it at the protocol level. Token Escrow enables conditional settlement for both IOUs and Multi-Purpose Tokens. This allows structured collateral releases without external smart contracts.

Batch Transactions add atomic delivery-versus-payment functionality. This removes settlement risk in multi-asset transactions and supports use cases common in repo and liquidity management markets. These actions require reserves and transaction fees, both denominated in XRP.

Multi-Purpose Tokens extend this framework further. They allow institutions to issue structured financial instruments with embedded rules, metadata, and restrictions. XRP underpins these activities through network usage and reserve requirements.

Native Credit Markets Take Shape

The roadmap also details the upcoming introduction of on-ledger credit through the XLS-65 and XLS-66 Lending Protocol. This system enables fixed-term, fixed-rate lending directly on XRPL while keeping underwriting off-chain.

Single Asset Vaults pool capital under configurable permissions. Loans execute and settle on-ledger, with repayment automation built into the protocol. XRP can be borrowed, lent, and used as the default bridge asset within these credit flows. Evernorth’s stated intent to utilize the Lending Protocol highlights how institutions plan to deploy these tools in practice rather than theory.

Infrastructure Now in Place

Merrick concluded that “the foundation is set.” The roadmap supports that statement with live features, scheduled upgrades, and defined institutional use cases. XRP now operates as a settlement asset, liquidity bridge, collateral anchor, and credit instrument within a single ledger.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.


Follow us on X, Facebook, Telegram, and  Google News

The post Ripple Exec.: XRP Is Emerging As Backbone. Next Wave Is Already Here appeared first on Times Tabloid.

Market Opportunity
XRP Logo
XRP Price(XRP)
$1.4404
$1.4404$1.4404
-0.01%
USD
XRP (XRP) Live Price Chart
Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact [email protected] for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.

You May Also Like

Let insiders trade – Blockworks

Let insiders trade – Blockworks

The post Let insiders trade – Blockworks appeared on BitcoinEthereumNews.com. This is a segment from The Breakdown newsletter. To read more editions, subscribe ​​“The most valuable commodity I know of is information.” — Gordon Gekko, Wall Street Ten months ago, FBI agents raided Shayne Coplan’s Manhattan apartment, ostensibly in search of evidence that the prediction market he founded, Polymarket, had illegally allowed US residents to place bets on the US election. Two weeks ago, the CFTC gave Polymarket the green light to allow those very same US residents to place bets on whatever they like. This is quite the turn of events — and it’s not just about elections or politics. With its US government seal of approval in hand, Polymarket is reportedly raising capital at a valuation of $9 billion — a reflection of the growing belief that prediction markets will be used for much more than betting on elections once every four years. Instead, proponents say prediction markets can provide a real service to the world by providing it with better information about nearly everything. I think they might, too — but only if insiders are free to participate. Yesterday, for example, Polymarket announced new betting markets on company earnings reports, with a promise that it would improve the information that investors have to work with.  Instead of waiting three months to find out how a company is faring, investors could simply watch the odds on Polymarket.  If the probability of an earnings beat is rising, for example, investors would know at a glance that things are going well. But that will only happen if enough of the people betting actually know how things are going. Relying on the wisdom of crowds to magically discern how a business is doing won’t add much incremental knowledge to the world; everyone’s guesses are unlikely to average out to the truth. If…
Share
BitcoinEthereumNews2025/09/18 05:16
Morning Crypto Report: 'I Am Capitulating': What's Vitalik Buterin Talking About? Bitcoin Quantum Threat Drama Gets 20,000 BTC Twist, Cardano out of Top 10 as Bitcoin Cash Wins Back 25% of BCH Price

Morning Crypto Report: 'I Am Capitulating': What's Vitalik Buterin Talking About? Bitcoin Quantum Threat Drama Gets 20,000 BTC Twist, Cardano out of Top 10 as Bitcoin Cash Wins Back 25% of BCH Price

February 8, Sunday: Buterin says he is "capitulating" as X naming drama spills into the crypto market, Bitcoin's quantum threat adds a 20,000 BTC angle and Bitcoin
Share
Coinstats2026/02/08 21:51
Pi Network Users Criticize Core Team After Celebratory Post

Pi Network Users Criticize Core Team After Celebratory Post

The post Pi Network Users Criticize Core Team After Celebratory Post appeared on BitcoinEthereumNews.com. Home » Crypto Bits The first Friday of February was supposed
Share
BitcoinEthereumNews2026/02/08 22:11