By Isaac • August 9, 2026 1:21 pm •
The XRP Ledger is getting closer to answering one of the hardest questions in institutional crypto: how do you keep sensitive positions private without making the system impossible to audit?
The answer now taking shape is a confidential-transfer design for Multi-Purpose Tokens, the XRPL standard built for issued assets such as tokenized funds, bonds and other real-world assets.
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The proposal targets issued assets rather than native XRP payments, and it is not enabled on the public ledger today. Even with those limits, this is far more substantial than a cosmetic update.
The XLS-0096 specification describes a system that would hide individual token balances and transfer amounts from public view while still letting the network verify that
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