The XRP Ledger Foundation is working to add more traditional financial features to the XRP Ledger, according to CTO Denis Angell.

At Rare Evo, Angell spoke with Ray Fuentes about the foundation’s work, including the upcoming Lending Protocol, Single Asset Vaults, agentic payments, and other infrastructure projects.

“We are writing TradFi primitives into the XRP Ledger,” Angell said, highlighting the foundation’s direction for the network.

XRPL Adds More Traditional Finance Features

Angell said the XRP Ledger is a decentralized network where developers can build features for different needs. While it does not currently support general-purpose smart contracts, developers can propose changes that validators can vote on.

One major development is the Lending Protocol, which is already on the network and can be voted in. Angell said it will allow users to earn yield on their assets, something he believes the XRP Ledger has been missing.

Another key development is the Single Asset Vault, which Angell called his favorite project. He compared it to a traditional mutual fund. Users will be able to deposit their assets into a pool, which would then be invested. 

If the investments earn money, the returns would go back into the pool. Users can later withdraw their funds.

Angell said these developments show that the XRP Ledger is adding more traditional financial tools directly into the network, instead of relying only on smart contracts.

Token Payment Channels to Help AI Agents

The CTO also highlighted agentic payments as another area being developed on the XRP Ledger. The network is working on payment channels for tokens, not just XRP. This will allow for new ways to approve and complete payments.

Angell compared some of these features to how credit card payments are authorized. He said token payment channels will also be useful for AI agents, allowing them to make and complete payments on their own.

XRP Ledger Foundation Expands Infrastructure

Angell also talked about changes happening at the XRP Ledger Foundation. The foundation plans to distribute the xrpld software and host related files as it takes on more responsibility for the network’s infrastructure.

It is also improving its monitoring systems. These systems could collect validator logs when problems occur, such as a ledger halt. This would help the foundation understand what went wrong and respond faster.

The foundation is also reviewing how the network’s infrastructure is managed and considering whether it should run more of the infrastructure itself, including its own servers and data centers.

Vet Highlights “Deep Alpha”

After the interview, XRPL validator Vet described Angell’s comments as “deep deep Alpha” about the XRP Ledger and fintech. Vet also mentioned plans to create committees within the XRPL Foundation to help with more technical and ecosystem-related work.

Deep deep Alpha by Denis from the XRP Ledger Foundation regarding the XRPL and Fintech

Aside from that, XRPL Foundation Committees are coming, lots of technical and ecosystem work.

I didn't know he liked the Single Asset Vault so much btw and he's not Mickey B Fresh. https://t.co/QeBy3UEZzF

— Vet (@Vet_X0) September 11, 2026

The comments show that the foundation wants to expand the XRP Ledger beyond simple payments and add more financial features directly to the network. With lending, vaults, token payments, and AI-powered payments being developed, the XRPL will eventually support a much wider range of financial applications.

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