Ripple cryptographer J. Ayo Akinyele says he’s pushing to make the XRP Ledger (XRPL) the “first choice for institutions seeking innovation and trust” — and to do it with privacy-first tooling.

Akinyele, a senior director of engineering at Ripple, lays out the case in a blog post published Thursday, arguing that finance can’t function without confidentiality while public blockchains are built for transparency.

The way through, he says, is programmable privacy that lets “honest participants control what is revealed, to whom, and under what circumstances,” while still giving regulators the disclosures they need.

Privacy as infrastructure, not secrecy

Akinyele contends privacy on-chain should be a baseline protection, analogous to the encryption that secures online banking.

He points to z

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