Ripple Labs strives to expand the decentralized financing capacities of the large XRP book (DEFI) with a clear roadmap for 2025. A key element of this roadmap is the addition of decentralized (DID) and verification based on diplomas, allowing authorized exchanges and decentralized markets that meet regulation standards. This is designed to allow financial institutions to participate safely in the decentralized space while guaranteeing compliance with regulations like AML and KYC.
Ripple also focuses on tokenization via the large XRP book, allowing active active world (RWAS) to discuss the blockchain. Versatile tokens (MPT) are being developed to represent various financial products, such as structured bonds or assets, and offer more flexibility than traditional tokens. The objective of the platform is to fill traditional finance and blockchain, offering a means of tokenize and easily exchange assets.
An important part of Ripple’s strategy includes the development of an authorized decentralized scholarship (DEX), where tokenized RWAs can be exchanged. This exchange will use the decentralized identifiers of XRP LEDGER to integrate compliance controls into intelligent contracts, ensuring that all participants meet the regulatory requirements. In addition to a Credit-based DEFI loan protocol, these initiatives aim to position the large XRP book (XRPL) as a secure and scalable platform for institutional use in decentralized markets.
Ripple’s plans also include the expansion of XRPL’s programmability. The introduction of “extensions” will allow developers to create personalized features such as automated market manufacturers (AMMS) or entire sessions without the need for complete intelligent contracts. In addition, Ripple launches an Ethereum virtual machine (EVM) in Q2 2025, allowing developers to create decentralized applications (DAPP) on XRPL using solidity, thus increasing compatibility with Ethereum ecosystem.
The objective is to draw on the market of 30 billions of dollars of Rwas tokenized, which could considerably increase the value of XRPL. Currently, XRPL has a total locked value (TVL) of around 80 million dollars, far behind the $ 50 billion in Ethereum, which shows its growth potential. Despite this, the total market capitalization of the network exceeded $ 128 billion after the XRP price jumped 300% after Donald Trump’s electoral victory. The position of his administration on blockchain and the regulation of cryptocurrencies could also benefit more in XRPL, because Ripple hopes that the regulatory environment will become more favorable.
Ripple has made progress in this direction, in particular the successful launch of its decentralized exchange (DEX), which has seen more than a billion dollars of Swaps since its launch in 2024. This, as well as the broader expansion of tokenization and the fight against deffi, demonstrate the entrance to Ripple to make the big book XRP a key actor in the future of decentralized finance. Despite competition from other blockchain platforms, these initiatives are crucial so that Ripple continues to grow and maintains its relevance in the evolution of the financial landscape.
