In the last hours two ads were known that mark the Development Directorate of Decentralized Finance (DEFI) of XRP Ledger (XRPL), the network created by Ripple, as well as Cardano.
According to the Ripple statement on September 22, the approach of the next phase in XRPL focuses on three axes: «credit, regulatory compliance and data privacy.»
Among the most relevant points of that roadmap are:
- «Simulate»: Test method for developers to verify how a transaction will work in real network conditions before definitively executing it. This is looking for reduce risks and improve reliability in complex operations.
- Multi-purpose token standard (MPT): planned for October, this standard will allow to represent financial instruments with specific metadata (such as expirations or transfer restrictions) No need for complex intelligent contracts.
- Credentials (credentials): They are verifications linked to decentralized identifiers (DID). Allow Trust emitters validate attributes such as compliance with KYC or regulatory permits. They function as a central piece to build domains with controlled access, regulated exchanges and tokenized loan markets.
- «Deep Freeze»: tool that allows tokens emitters freeze directions indicatedblocking transfers until the restriction is lifted. This aims to facilitate the fulfillment of sanctions and regulations, especially for stable and assets of the real world (RWA), although it generates doubts in the Centralization of power.
It should be noted that, both credentials and the mechanism proposed by Deep Freeze, more control tools are similar than utilities linked to Defi.
Another prominent point is the launch of the native loan protocol in XRPL, contemplated in version 3.0.0 of the «end of the year» software.
This, according to Ripple, would enable credits without collateral and with pre -established payment schedules, directly in the biggest book.
Finally, Ripple aims to integrate zero knowledge tests (ZK Proofs) to achieve what they call «privacy with responsibility.»
These techniques allow validate information without exposing all datasomething relevant to institutions that require confidentiality, but also audit. The first case of use will be MPT with programmable privacy, provided for 2026.
Cardano: Liquidity, governance and tokenized assets
The Cardano Foundation published a statement on September 23 in which it underlines new measures to expand the adoption of its network.
Among the most relevant points are:
- The assignment of 50 million ADAs to contribute liquidity to Stablecoins projects and the creation of a specific budget to encourage Defi, as Cryptonoticia explained.
- The expansion of the web3 team, with focus on tokens listings and adoption of real world assets (RWA).
- The launch of 10 million dollars in RWA over Cardanotogether with the development of standards that link them to the traditional financial system (tradfi) and the implementation of the X402 payment framework (created by Coinbase).
- An additional impulse to decentralized governance, with the 220 million delegation to 11 new decentralized representatives (DREPS). In addition, the Foundation will reduce its weight in consensus by lowering its self-delegation to 80 million ADA.
- The end of the delegation strategy to external Pools (SPO) operators, after five years of support. From now on, the delegation will concentrate on pools of the Foundationas a way to support your financial operation.
While XRPL aims to integrate functions that directly respond to regulatory requirements and the participation of financial institutions, Cardano seeks to consolidate a diversified ecosystem with liquidity for stablcoins, greater community representation and the incorporation of real world assets.