The XRP Ledger is switching to an autonomous mode by integrating a native DeFi stack that will allow institutions and retail investors to operate directly without intermediaries or additional fees. Three key amendments are in preparation: XLS-0096 introduces « accountable privacy » based on the Multi-Purpose Token standard, XLS-65 creates single-asset vaults allowing individuals to deposit their assets into liquidity pools to earn interest, and XLS-66 establishes an institutional lending sector. Ripple has entered an official partnership with DeFi platform Clearpool and asset management firm Cicada Partners to launch institutional lending pools backed by the native RLUSD stablecoin, where major market participants will be able to borrow at fixed rates directly through the ledger.
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