It's now or never for the Clarity Act.
Dems can lock in 120+ negotiated wins: a historic ethics agreement covering the President, VP, Congress & federal judges, plus the certainty consumers and this industry need.
To get there, Democrats need to join us in voting yes at 2:15.
Ripple has spent years working its way into the same rooms as the institutions that set the rules: central bank working groups, the World Bank, the UN, and large asset managers.
That positioning is the point. XRP is being built to sit between the old financial system and the new one.
This is bigger than most realize
Jeonbuk Bank is the first regional bank in Korea to deploy Ripple Payments, replacing multi-day SWIFT transfers with near real-time, 24/7 cross-border settlement for its business customers. Our third Korean partnership this year, after Kyobo Life Insurance and Kbank, partnering on custody, wallet infrastructure and payments.
Korea’s leading financial institutions are building with Ripple: https://t.co/oSW94lTJ85
What is XRP Ledger 3.3.0 Upgrade?
The XRP Ledger is moving from version 3.2.1 to 3.3.0, bringing a substantial set of protocol changes.
But there is an important distinction.
The 3.3.0 software release does not mean every new feature is already active on the XRPL mainnet. The release gives validators the software needed to support new amendments, which must separately pass the XRPL's amendment process.
Put simply, this upgrade is less about changing how the entire XRP Ledger works and more about giving it new tools for payments, tokenization, privacy and institutional use.
Here are the major changes:
(1) Batch Transactions
Batch transactions allow multiple transactions to be packaged and executed as a single atomic unit.
That means a group of related transactions can either succeed together or fail together.
This could be particularly useful for institutional delivery versus payment, where an asset and payment need to settle together without leaving one side completed while the other fails.
The XLS-56 standard defines the Batch design and allows multiple transactions to be processed as one atomic unit.
(2) Permission Delegation
Permission Delegation allows an account to grant specific transaction permissions without handing another party control of its main private key.
That could make operational wallets easier to manage for institutions.
For example, a business could delegate certain actions to another party while retaining control over the underlying account.
The important point is that delegation is limited by the permissions granted, rather than becoming a transfer of complete account ownership.
(3) Sponsor
Sponsor tackles one of XRPL's less visible barriers for new users.
Accounts and certain ledger objects require XRP reserves, while transactions also require fees.
Sponsor allows another account to cover those costs on behalf of a user.
That could be useful for neobanks, wallets and other applications that want customers to use XRPL without first acquiring XRP simply to satisfy network requirements.
The XLS-68 proposal specifically covers sponsored fees and reserves while keeping the user's account control intact.
(4) Confidential Transfers
Confidential Transfers bring a limited form of privacy to Multi-Purpose Tokens, or MPTs.
The feature is designed to hide certain balances and transfer amounts while preserving mechanisms for authorized parties to verify information when required.
This is important for institutions handling tokenized assets because complete public visibility can create problems around commercially sensitive transactions.
However, this is not full account anonymity.
The feature is focused on MPTs. It does not suddenly make XRP transactions private across the entire XRP Ledger.
(5) Dynamic MPT
Dynamic Multi-Purpose Tokens make MPTs more flexible after issuance.
Token issuers can designate certain properties as mutable when creating the token.
Those permitted properties can then be changed later without making every part of the token freely editable.
That could matter for tokenized real-world assets whose requirements may change over time.
The XLS-94 proposal is designed specifically around this controlled flexibility.
(6) Fixes And Protocol Improvements
Not everything included in XRPL 3.3.0 is a headline feature.
The release also contains software fixes, security improvements, performance work and other protocol changes.
The official 3.3.0 release includes Batch V1.1, Confidential Transfer for MPTs, Sponsor and Dynamic MPT work, alongside numerous fixes and engineering changes.
There is also an important history behind some of these features.
Earlier versions of Batch and Permission Delegation encountered security issues before activation, leading developers to work on revised implementations. That means the new versions are not simply new features appearing overnight.
They are also the result of the XRPL's amendment and security review process.
And this is perhaps the most important thing to understand about XRPL 3.3.0.
A software release is not the same thing as a network activation.
Validators still need to support individual amendments through the XRP Ledger's governance process before those capabilities become active.
So XRPL 3.3.0 should be viewed as an important infrastructure milestone rather than six new features suddenly switching on simultaneously.
Together, these changes push the XRP Ledger further toward the infrastructure needed for tokenized finance and institutional blockchain applications.
Canada’s Big Banks Are Quietly Moving Into XRP
Bank of Montreal has become the latest major Canadian bank to disclose ripple:native exposure through U.S. listed ETFs.
BMO reported 323 shares of the Rex Osprey XRP ETF and 20 shares of the ProShares Ultra XRP ETF in its latest SEC filing. Its reportable investment portfolio exceeded $303 billion at the end of June.
The disclosure follows National Bank of Canada, which also reported 3,848 shares of the Bitwise XRP ETF.
Both banks gained XRP exposure through regulated investment products rather than directly holding XRP.
The filings suggest Canadian banks are increasingly using established financial infrastructure to gain controlled exposure to crypto assets.
We support the CLARITY Act and believe a clear, durable market structure framework would help advance the digital asset industry and encourage broader institutional adoption in the United States. $BTC
I support advancing the CLARITY Act through bipartisan work to establish clear, durable rules, protect property rights, promote innovation, and strengthen American capital markets. Bitcoin will succeed with or without legislation, but America needs clarity for digital assets.
It’s official: Ripple has received its EU CASP license. We are now fully MiCA-compliant and ready to meet growing European crypto demand https://t.co/I9GRgvfGzH
Someone once told me $50 XRP is what's needed to settle 10% of SWIFT, but XRP will have to be at least 4 digits to make a dent in the universe as intended
Massive win for crypto.
🇺🇸 US Congress just passed the CBDC bill, banning the Fed from issuing a digital dollar until 2030. President Trump is expected to sign it next.
Bullish for the growth of stablecoins like USDT and USDC, which can now thrive without direct competition from the Fed.