XRP Ledger is Moving Deeper Into DeFi The ripple:native Ledger is preparing native lending and privacy features designed to expand its built-in DeFi capabilities, according to XRPL Foundation and dUNL validator Vet. The upcoming upgrades aim to let users access financial services without relying heavily on third-party protocols. A proposed privacy system would hide balances and transaction amounts while preserving access for issuers and regulators. New lending features could also allow users to deposit assets into vaults and earn interest. Institutional lending pools backed by RLUSD are being developed with Clearpool and Cicada Partners. The upgrades could give both institutions and retail users more financial tools directly on XRPL.