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XRPL upgrades focus on privacy, AI payments, and institutional DeFi in 2026 roadmap

Protocol Fundamentals
09 Oct 2026
Coinpaper
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Bullish
XRPL upgrades focus on privacy, AI payments, and institutional DeFi in 2026 roadmap

Ripple's XRPL is undergoing major upgrades in 2026, enhancing privacy with ConfidentialTransfer features that hide token balances using zero-knowledge proofs, while maintaining regulatory compliance. The network is also integrating AI-driven autonomous payments, allowing software agents to transact independently. Additionally, XRPL is expanding programmability with batch transactions and delegated permissions to support complex financial workflows and institutional DeFi, including onchain lending. These developments position XRPL beyond payments into a broader financial infrastructure platform.

XRP trades at Rp25.006 on Pluang, with a market cap of Rp1.579,39 trillion as of Oct 09, 2026 17:02 WIB. Despite the upcoming XRPL upgrades enhancing privacy and AI capabilities, XRP's price shows a 1.26% decline over the past day. Pluang data also reveals a strong buy interest with 69% of order activity favoring purchases and an average holding period of 72 days, indicating sustained investor engagement amid the network's evolution.

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