Ripple Cryptographer J. Ayo Akinyele says he is pushing to make the XRP Ledger (XRPL) “first choice for institutions seeking innovation and trust” and to do so with the first tool of privacy.
Akinyele, a senior director for engineering at Ripple, establishes the case in a blog post published on Thursday, arguing that funding cannot function without confidentiality while public blockchains are built for transparency.
The road, he says, is programmable privacy that lets “honest participants check what is revealed, to whom and under what circumstances”, while still providing regulators the information they need.
Privacy as infrastructure, not secrecy
Akinyele claims that privacy should be a baseline protection, analogous to the encryption that ensures online banking.
He points to zero-knowledge evidence (ZKPS) cryptography, which turns out that a statement is true without exposing the underlying data-a mechanism to private but compatible transactions (for example, to prove KYC completion without sending identities to the entire network).
In his view, without built -in confidentiality, institutions will not move core workflows to public headbooks; Without accountability, regulators will not log out. ZKPS, selective disclosure and hardened wallet infrastructure are intended to square the circle.
Scaling without sacrificing trust
In addition to privacy, Akinyele claims that scalability must not be at the expense of security or decentralization.
He highlights trusted execution environments (TEEs) for fair transaction ordering to limit the front trucking and confidential calculation for driving sensitive logic off-chain while emitting verifiable output bees intended to reduce market structure risks without returning to intermediaries.
When he looks forward, he draws two milestones.
Only in the “next 12 months”, he says he is focused on making XRPL the institutional standard by using ZKPs to enable private, compatible transactions that also improve the flow.
Secondly, by 2026, he expects confidential multifunctional tokens (MPTS) -Ancoming XRPL-Standard-Standard to bring privacy for privacy. That, he says, is an important step for institutional adoption of assets in the real world (RWAS) and DEFI (decentralized funding).
Akinyele also places XRPL as “uniquely placed to bridge”, which he describes as “many trillions of dollars in assets set to move on the chain in the coming decade,” with reference to the main box’s decade-long operating history, built-in decentralized exchange, escrow and payment channels as financial-oriented primitives.
“The future of blockchains belongs to builders who remove unnecessary confidence,” he concludes – and argues that if systems can prove correctness, prevent abuse and protect data, public headbooks can deliver privacy, compliance and efficiency institutions.
