RippleX Engineering Director J. Ayo Akinyele outlined the main development roadmap for the XRP Ledger in 2026, focusing on privacy, programmability, and institutional DeFi. Key features include: zero-knowledge proofs for confidential tokens, a native on-chain lending protocol soon to incorporate a validator voting mechanism, and formal verification of core components. These upgrades build on the foundation laid in 2025, with programmable extensions such as smart custody also in development.

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