Vet, an XRP Ledger (XRPL) validator and community director at the XRP Ledger Foundation, recently highlighted five major building blocks that are quietly shaping the future of XRP. In a tweet, he referred to these developments as part of the project's "floor building," signaling a foundational strengthening of the network.
The five core advancements include a quantum readiness roadmap, a native on-chain lending protocol, AI-assisted security hardening, formal verification for military-grade security, and AMM v2 for capital-efficient liquidity.
Ripple’s multi-phase quantum roadmap, introduced in April, aims to achieve full post-quantum security by 2028. Meanwhile, the Lending Protocol—added in XRPL version 3.1.0—enables uncollateralized fixed-term loans via pooled funds from Single Asset Vaults and is currently undergoing community voting. To reinforce trust in the lending infrastructure, Common Prefix is collaborating with RippleX to formally verify the protocol using the Lean4 proof assistant.
Protecting the ledger against vulnerabilities, Ripple’s dedicated AI red team has already disclosed 287 issues on GitHub, leading to the release of xrpl version 3.1.3 (focused entirely on security and bug fixes) and the recent 3.2.0 cleanup release. These efforts underline a defense-in-depth philosophy with no findings affecting system stability or fund safety.
Finally, the AMM v2 draft standard published by the XRP Ledger Foundation in May introduces StableSwap and Concentrated Liquidity pools, promising higher capital efficiency for liquidity providers and swappers.
