Ripple’s latest think piece on the XRP Ledger (XRPL) makes a blunt case that institutional finance will not move on-chain at scale without first-class privacy—and that the missing capability can be delivered without abandoning public-chain transparency or compliance.

Ripple Pushes Programmable Privacy For The XRP Ledger

In an article published on October 2, Senior Director of Engineering J. Ayo Akinyele argues that “finance cannot function without confidentiality, yet blockchains are built on transparency,” framing the next phase of XRPL development around programmable privacy, verifiable compliance, and trust-minimized scalability.

Akinyele, a cryptographer with a decade of applied-privacy work, sets out a two-track roadmap: embed privacy primitives directly into infrastructure, and

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