At the XRP Seoul 2026 event held October 3 at the Grand Hyatt Seoul, with more than 5,500 attendees, Ripple President Monica Long outlined what she described as the XRP Ledger’s next major institutional growth phase. In a fireside chat moderated by Christina Chan, Senior Director of Ecosystem Growth at Ripple, Long focused on how financial institutions are moving on-chain and using XRPL for collateral mobility, tokenized assets, and payment infrastructure.
Long said regulatory clarity is shifting institutions from blockchain experimentation to full on-chain deployment. She highlighted 24/7 collateral mobility through tokenized money market funds, treasury-backed repos, and cross-border payments enabled by stablecoins. To meet enterprise requirements, Ripple is expanding XRPL’s capability stack with permissioned privacy controls, native yield and lending protocols using XRP/RLUSD, and decentralized exchange payment integration managed directly by Ripple to reduce customer complexity.
Ripple also expects XRPL ecosystem growth through regional incubators such as the Korea Financial Innovation Program and partnerships with top-tier institutions. The company predicts tokenized real-world assets will grow from $6 billion to $30 billion and AI agent transactions from 10 million to 100 million. Ripple Senior Director of Engineering Ayo Akinyele added that XRPL is introducing confidential transfers powered by Zero-Knowledge Proofs to address traditional finance transparency concerns. AI agents have already crossed 11 million transactions on XRPL, and Ripple is developing verifiable identities, strict execution safeguards, and smart wallets capable of holding XRP and stablecoins with 3–5 second settlement.
