Ripple's roadmap for 2025 and beyond focuses on bolstering XRP Ledger's (XRPL) capabilities to cater to institutional
Enhanced Identity Features: Introduction of Credentials to complement Decentralized Identity (DID), enabling permissioned decentralized exchanges (DEXs) and domains, ensuring compliance with regulatory standards.
Multi-Purpose Tokens (MPTs): A new token standard designed to represent real-world assets (RWAs) like bonds and securities, incorporating metadata such as maturity dates and coupon rates .
Lending Protocol: Development of a protocol supporting stablecoin-backed loans and RWA-based credit, facilitating integration with XRP payments and DEXs .
Programmability Enhancements: Introduction of Extensions to allow developers to add code to existing primitives, enhancing features like escrows and automated market makers (AMMs) without the need for full smart contracts
