Ripple pushes a more private blockchain to banks and adds AI code checks as fears grow it could leave XRP price behind

Ripple is strategically repositioning the XRP Ledger (XRPL) to appeal to mainstream finance by addressing key institutional concerns: privacy and software risk. To enhance privacy, Ripple is proposing Confidential Transfers for Multi-Purpose Tokens (Confidential MPTs), which would encrypt balances and transfer amounts using zero-knowledge proofs while preserving issuer controls. On the security front, Ripple is integrating AI across the XRPL development cycle, including automated code scanning and adversarial testing, to demonstrate continuous, systematic software hardening suitable for regulated finance. This broader strategy aims to position XRPL as the core infrastructure for tokenized cash, treasury operations, and stablecoins (like RLUSD), moving beyond its historical focus on cross-border payments. However, this expansion raises concerns that while the infrastructure grows, the economic value capture for the native XRP token itself might lag, as more value could accrue to stablecoins or surrounding services.

(Source：CryptoSlate)