[DigitalToday reporter Yoonseo Lee] XRP Ledger (XRPL) has begun preparing its next phase, focusing on quantum readiness, lending functions, stronger security and an automated market maker (AMM) overhaul.

U.Today, a blockchain media outlet, reported on June 21 that Vet, an XRPL validator and community director at the XRP Ledger Foundation, summed up the changes in a recent post on X, formerly Twitter, as “XRP floor building.”

He cited five main pillars: a quantum readiness roadmap, a native on-chain lending protocol, AI-based security checks by a Red Team, formal verification and AMM v2. The revamp is centered less on adding features than on strengthening the network’s fundamentals.

The most notable item is the quantum readiness plan. Ripple said in April it released a multi-stage roadmap and would prepare XRPL for a post-quantum computing environment. It set 2028 as the target date.

On-chain lending is also moving into a phase of actual standards adoption. XRPL 3.1.0, released in January, includes a lending protocol. Voting on the feature is under way. The lending protocol is designed to allow loans to be created on XRPL, and loan brokers can use funds pooled in a Single Asset Vault to create fixed-maturity, unsecured loans.

Security verification of the lending structure is proceeding in parallel. Common Prefix said it would work with the RippleX team to formally verify key components of the lending protocol with Lean4. The push aims to raise both code safety and design verification as lending is added.

Security efforts have also expanded across the operating system. Ripple announced in March it was running a dedicated, AI-supported red team tasked with continuously finding XRPL vulnerabilities. The team posted 287 xrpld-related issues on GitHub. Of those, 231 remain unresolved and 49 have been resolved. Ripple said the issues mainly involved improving code quality and strengthening layered defenses and did not affect system stability or availability or the safety of user funds.

The work led to software updates. xrpl 3.1.3 focused on security and bug fixes and reflected 20 issues identified by the red team. xrpld 3.2.0, released this week, is an update centered on cleanup and maintenance and also removed amendments that had been active for more than 2 years.

Liquidity design is also being revised. The XRP Ledger Foundation released a draft AMM v2 standard in May. It includes stableswap and concentrated liquidity pools. The aim is to improve capital efficiency. More granular liquidity placement within the existing AMM structure could also change trading costs and how funds are used.

These changes show XRPL is prioritizing infrastructure maintenance over adding a single function. The quantum readiness roadmap targets a medium- to long-term security task, while the lending protocol and formal verification serve as safeguards aligned with expanding financial functions. With the AI red team, security-focused software updates and the AMM v2 draft added, XRPL has entered a phase of pursuing structural stability and broader usability alongside network performance.

in case you missed the XRP floor building in real time. - Quantum readiness roadmap. - Native on chain Lending protocol. - AI hardening the XRP Ledger by Red Team. - Formal Verification bringing Military grade security. - AMM v2 for capital efficient LPing and swaps.