Top XRPL Validator Says Pay Attention to This At XRP Seoul

Vet noted that payments and credit together represent a major unlock, specifically through the XLS-66 Lending Protocol. He described the combination as powerful.

Monica Long on the 2027 Vision

Long made the company’s position clear. “XRP Ledger is really at the center of our universe,” she said. She added that Ripple is building its 2027 annual plan around a top company goal of driving customer transaction volume directly onto the XRP Ledger.

She pointed to the payments side first. Ripple’s full-stack payments infrastructure has seen adoption and volumes grow 10x year on year. Long sees a clear opportunity to bring that volume onto the XRP Ledger with RLUSD.

Payments on the Decentralized Exchange

Long also shared progress on a pilot that tested using the decentralized exchange for payments on the XRP Ledger. The pilot showed real benefits. Ripple’s thinking has shifted over time on how this works in practice.

Early assumptions held that financial institutions would integrate directly with the blockchain and use the DEX among themselves. What Ripple learned is that institutional readiness requires specific features around compliance, privacy, and controls.

The result is a refined approach. Ripple adds value by handling those considerations for its customers. Long described payments on the DEX as “a key part of the engine that sits under the hood” of Ripple’s payments infrastructure. She expects this to grow significantly in 2027, moving beyond the pilot stage.

Credit Meets the XRP Ledger

This is where Vet’s emphasis on the XLS-66 Lending Protocol connects directly to what Long described. Many of Ripple’s payment customers, particularly payment service businesses, rely on short-term credit to facilitate 24/7 funding across time zones. That kind of credit access is standard to their operations.

Ripple is building a solution that ties directly into the XRP Ledger’s lending protocol. Once activated, pools of XRP loaned into the protocol would serve as collateral to fund payments for Ripple’s customers.

XRP Utility Across the Stack

Long concluded that this demonstrates new ways XRP has utility within Ripple’s products, spanning customer transactions across both payments and credit. Vet’s read on this aligns with that. The company’s XRP-powered infrastructure now has a clear commercial application taking shape across two major product lines. Ripple intends to move these pilots into full deployment in 2027.