The XRP Ledger (XRPL) activated its “Credentials” amendment on September 4, 2025 at 03:51:21 UTC, bringing a native, standards-aligned identity layer to the base protocol and enabling KYC/AML-aware flows directly on-chain. The upgrade follows the XRPL’s amendment governance model—an 80%+ validator supermajority maintained for two weeks—culminating in an EnableAmendment event that permanently switches the new rules on for all subsequent ledgers.

XRPL Adds Native KYC And AML Controls

At the heart of the change is XLS-0070 (“Credentials”), a specification designed to let issuers attest facts about an XRPL account—such as identity verification or sanctions status—in a way that other participants can rely on without exposing private documents to the chain. As the XRPL documentation puts it,

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