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Ripple launches XLS-85 on XRP Ledger: A DeFi and RWA revolution?
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Ripple launches XLS-85 on XRP Ledger: A DeFi and RWA revolution?

Ripple's XLS-85 upgrade on XRP Ledger is live! Explore its impact on DeFi and Real World Assets (RWA) on XRP. Learn more now!

Written by Charles Ledoux

Translated on February 13, 2026 at 15:18 by Simon Dumoulin

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XLS-85: A Technical Revolution for the XRPL Ecosystem

Until now, the XRP Ledger imposed a frustrating technical limitation for developers: only the native cryptocurrency, XRP, could be locked in escrow contracts. With the arrival of the XLS-85 standard, this barrier is finally being removed.

In concrete terms, this update allows on-chain locking of any asset based on a trustline or the new Multi-Purpose Tokens. This means that stablecoins, synthetic assets, or governance tokens can now benefit from time-based or conditional unlocking conditions, exactly like XRP.

For developers and institutions, this is a major bullish signal. This increased flexibility brings the XRPL closer to the advanced smart contract functionalities found on Ethereum, while maintaining the speed and low fees of Ripple’s network.

Stablecoins and RWA: Ripple’s New Target?

This update doesn’t come out of nowhere. It fits perfectly into Ripple’s global strategy aimed at capturing the colossal market of Real World Assets (RWA) and stablecoins. By enabling the escrow of tokens other than XRP, Ripple is setting the stage for complex financial operations.

Imagine scenarios where stablecoins are locked as collateral for loans, or tokenized real estate assets are released progressively according to a strict schedule. The XLS-85 standard is the missing technological building block that makes these use cases possible and secure on the mainnet.

While the sector eagerly awaits the full deployment of Ripple’s stablecoin (RLUSD), this infrastructure strengthens the network’s credibility to accommodate massive institutional flows. It’s a giant step toward mass adoption by traditional finance.

Can XRP’s Price React to This Technical Announcement?

Despite these solid fundamentals, XRP’s price often remains disconnected from purely technical advances, with traders often waiting for more direct liquidity movements. However, improving the network’s utility is the main driver of organic long-term growth.

Currently, XRP is testing key levels. If the global market enters a rally phase, the increase in use cases via XLS-85 could serve as a catalyst to break current resistance levels. Investors are now watching to see if this update will lead to increased on-chain volume.

While Bitcoin often dictates the trend, XRP has historically shown its ability to surprise with violent pumps. With infrastructure now ready for RWA, is XRP about to launch its own bull run and target $10?

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Charles Ledoux

Charles Ledoux

Charles Ledoux is a Bitcoin and blockchain technology specialist. A graduate of the Crypto Academy, he has been a Bitcoin miner for over a year. He has written numerous masterclasses to educate newcomers to the industry and has authored over 2,000 articles on cryptocurrency. Now, he aims to share his passion for crypto through his articles for InvestX.

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