The XRP Ledger (XRPL) continues to evolve as Ripple pushes forward with new technical upgrades to strengthen network reliability, expand future use cases, and improve overall network performance. A recently released amendment report highlights several key developments that investors may want to track closely, as these could spark significant changes for the network by 2026. 

Ripple rolled out the XRPL version 3.0.0 earlier this month, introducing five new amendments currently under review by validators. These proposed changes directly address issues related to price-oracle sorting, token-escrow accounting errors, missing ledger-entry files, Automated Market Maker (AMM) rounding issues, and more. 

Investors are paying close attention to these amendments, as they directly affect asset pricing, accounting, and tracking on the XRP Ledger. These areas can also influence risk assessment and confidence among market participants.

The five active amendments in Rippled 3.0.0, currently open for voting by January 2026, include:

Firstly, the fixAMMClawbackRounding amendment resolves an accounting issue that can occur during AMM clawback transactions involving the final Liquidity Provider (LP) token holder. Previously, rounding errors could create mismatches between AMM balances and trust lines. The newly proposed update ensures these balances remain aligned, allowing invariant checks to function correctly. 

The second amendment, fixIncludeKeyletFields, adds missing identifying fields to several ledger entries. This includes escrow and payment channel sequence numbers, owner fields for signer lists, and document IDs for Oracle entries. The update makes it easier to reference and manage objects within the XRP Ledger. 

The fixMPTDeliveredAmount amendment restores missing DeliveredAmount metadata for direct Multi-Purpose Tokens (MPT) payment transactions. While payments already deliver the correct amounts, the added metadata from the proposed update makes it easier for investors and developers to see and verify what was actually delivered.

To ensure more reliable price data, the fixPriceOracleOrder amendment addresses inconsistencies in how asset pairs are ordered in price oracle entries. By enforcing a consistent order, the change allows applications and users to look up asset prices seamlessly. 

The final amendment, fixTokenEscrowV1, aims to improve accounting accuracy. It corrects an error affecting MPT escrows that include transfer fees. The update ensures that issuer-locked balances and the total supply are reduced by the correct net amounts when escrowed tokens are unlocked, improving the transparency of XRPL. 

Edward Hennis, a software engineer at Ripple, has announced an upcoming XRPL Lending Protocol that is set to transform on-ledger lending. According to Hennis, the protocol will offer fixed-term, fixed-rate, and underwritten credit designed for institutions. 

In his post on X, the Ripple engineer revealed that each loan on the ledger will operate within a Single Asset Vault that isolates risks and allows either private or public contributions. He stated that the protocol is expected to be available for voting by January 2026. Hennis also revealed that Market Makers, PSPs, and fintech lenders will be able to access XRP and RLUSD for a range of institutional use cases through the upcoming lending protocol.

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