A privacy feature built for institutional money is going to a vote on the XRP Ledger, where more than $530 million of tokenized real-world assets already sit.
XRPL version 3.3.0, released this week, includes six proposed amendments. Among them, a “Confidential Transfers” update is the one aimed squarely at institutional users, encrypting balances and payment amounts on Multi-Purpose Tokens, the format Ripple has been pitching for funds, bonds and other financial assets.
The idea is to let an institution move tokens without publishing the size of every position and transfer. Accounts and the type of token being moved stay visible, while individual balances and payment amounts can be encrypted.
As such, the ledger can still check that the sums add up without being able to read them, using a cryptographic method that proves a transaction is valid without revealing the numbers behind it.
Ripple has spent much of 2026 pushing XRPL deeper into tokenized finance. Aviva Investors last month launched a tokenized share class of its U.S. Dollar Liquidity Fund on the ledger after announcing the project with Ripple in February.
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