🗺️ XRPL Roadmap 2026

What's Coming to the XRP Ledger

6
Features Live
3
In Development
2
On Testnet
$--M
AMM TVL

📑 On This Page

The XRP Ledger is undergoing its most significant evolution since launch. 2026 brings smart contracts, EVM compatibility, tokenized real-world assets, native lending, and more. Here's everything developers and investors need to know about what's coming to XRPL.

📅 2026 Development Timeline

Q1
2026
🔥 Hooks Amendment Vote
The Hooks amendment enters validator voting. If approved, smart contracts come to XRPL mainnet. This is the most anticipated upgrade in XRPL history.
Q2
2026
🌉 EVM Sidechain Mainnet
The XRPL EVM sidechain graduates from testnet to mainnet. Ethereum developers can deploy Solidity contracts with XRP gas fees and XRPL liquidity access.
Q2-Q3
2026
🪙 Multi-Purpose Tokens (MPTs)
New token standard optimized for real-world assets. Transfer restrictions, metadata, compliance controls - everything needed for tokenized securities.
Q3
2026
📊 Native Price Oracles
On-ledger price feeds from trusted data providers. Enables sophisticated DeFi: lending rates, liquidations, derivatives, and stablecoin pegs.
Q4
2026
🏦 Native Lending Protocol
Borrowing and lending built directly into the XRP Ledger. No smart contracts needed - just native, efficient, on-ledger lending markets.

⚡ Hooks: Smart Contracts for XRPL

🪝

What Are Hooks?

Lightweight smart contracts written in C or WebAssembly that execute directly on the XRP Ledger. Unlike Ethereum's gas-heavy model, Hooks are optimized for speed and efficiency.

Testnet Live
⚙️

How They Work

Hooks attach to accounts and trigger on transactions. They can modify, reject, or emit new transactions. Think of them as programmable guardrails for your XRP.

Testing

🔧 Hooks Use Cases

Hooks Development Progress

Core Implementation 100%
Testnet Deployment 100%
Security Audits 75%
Validator Approval Pending Vote

🌐 EVM Sidechain

⟠

Ethereum Compatibility

Deploy Solidity smart contracts on the XRPL ecosystem. Full EVM compatibility means existing Ethereum dApps can migrate with minimal code changes.

Devnet Live
🔗

Bridge to XRPL

Native bridge connects the EVM sidechain to XRPL mainnet. Move XRP and tokens between chains seamlessly. Access XRPL's liquidity from your Solidity contracts.

In Development
Feature
XRPL Hooks
EVM Sidechain
Language
C / WebAssembly
Solidity
Execution
On-ledger (native)
Sidechain
Gas Model
Reserve-based
XRP gas fees
Best For
Payment logic
Complex dApps
Speed
3-5 seconds
~2 seconds

🪙 Multi-Purpose Tokens (MPTs)

📜

The Future of Tokenized Assets

MPTs are a new token standard designed specifically for real-world assets (RWAs). Unlike existing IOUs, MPTs support:

Proposed

💎 RWA Opportunity

Tokenized real-world assets are projected to be a $16 trillion market by 2030. MPTs position XRPL to capture significant market share in tokenized securities, real estate, commodities, and more.

🏦 Native Lending Protocol

💰

On-Ledger Borrowing

Borrow against your XRP and tokens directly on the XRP Ledger. No external protocols, no smart contract risk - just native, efficient lending.

Proposed
📈

Variable Interest Rates

Supply and demand-driven rates, calculated on-ledger. Earn yield on idle assets or borrow at competitive rates.

Proposed
⚠️

Liquidation Engine

Automatic position liquidation when collateral falls below threshold. Native price oracles power real-time monitoring.

Proposed

📊 Price Oracles

Price oracles are critical infrastructure for DeFi. XRPL is getting native support for on-ledger price feeds from trusted data providers.

📡

How XRPL Oracles Work

Trusted oracle providers publish price data directly to the XRP Ledger. Any application can read these feeds without external API calls. Use cases include:

In Development

📈 AMM: Live on XRPL

The Automated Market Maker (AMM) launched on XRPL mainnet in March 2024. Here's how it's performing:

--
Active Pools
$--M
24h Volume
--
24h Transactions
--
Avg LP Fee

🔄 AMM vs Order Book

XRPL is unique in having both a native DEX order book AND an AMM. Trades automatically route through whichever offers better pricing. This hybrid model provides deeper liquidity than either system alone.

🛠️ Developer Resources

📚
XRPL Docs
Official documentation
🪝
Hooks Builder
Smart contract IDE
🔬
Testnet Faucet
Get test XRP
💻
GitHub
Open source repos

❓ Frequently Asked Questions

What is on the XRPL Roadmap for 2026?
The XRPL 2026 roadmap includes: Hooks (smart contracts) mainnet launch, EVM sidechain integration, Multi-Purpose Tokens (MPTs) for real-world assets, native lending protocol, enhanced price oracles, and performance optimizations to increase TPS capacity.
Does XRPL have smart contracts?
Yes! XRPL is getting "Hooks" - lightweight smart contracts written in C/WebAssembly. Unlike Ethereum's gas-heavy smart contracts, Hooks are designed for efficiency and run directly on-ledger. The Hooks testnet is live, with mainnet expected in 2026 pending validator approval.
What is the XRPL EVM sidechain?
The XRPL EVM sidechain is an Ethereum Virtual Machine-compatible blockchain that bridges to the XRP Ledger. It allows Ethereum developers to deploy Solidity smart contracts while using XRP for gas fees and accessing XRPL's liquidity.
What are Multi-Purpose Tokens (MPTs)?
MPTs are a new token standard on XRPL designed for real-world assets (RWAs). Unlike IOUs, MPTs support complex features like transfer restrictions, metadata, and compliance controls - perfect for tokenized securities, real estate, and commodities.
Will XRPL have native lending?
Yes! A native lending protocol is in development for XRPL. This would enable on-ledger borrowing/lending without third-party smart contracts, with features like collateralized loans, variable rates, and liquidation mechanisms built directly into the protocol.
How do price oracles work on XRPL?
XRPL's native price oracle system allows trusted data providers to publish real-time price feeds directly on-ledger. This enables DeFi applications like lending, derivatives, and stablecoins to access reliable price data without external dependencies.

🚀 Stay Updated on XRPL Development

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Related:

Hooks Guide AMM Deep Dive What is XRPL? Consensus Explained