Viijay Khanna, Ripple’s engineering director, confirmed that substantial improvements to the XRP Ledger are planned for 2027. Ripple aims to move away from competing on transactions per second by assigning retail traffic to second-layer networks, while the base layer focuses on flows between banks and institutions. The xrpld 3.3.0 release has already reduced the memory required by nodes by 13% to 23%, and an additional fix was deployed on November 4. The 2027 roadmap includes 24 complex amendments valued at $5.774 million, as well as native smart contracts based on WebAssembly, lending pools, options and repo markets for interbank lending. The modernization is intended to support large-scale cross-border payments, RLUSD, tokenized stocks and interbank lending.
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