Major XRP Upgrade Before Bullrun!

[00:00:00]XRP is about to have a major upgrade before it starts the bull run. And this opportunity is not going to last long.

[00:00:09]We're going to break it down for you, make it simple and easy to understand, cutting through all the technical jargon so that you can understand what does this actually mean for me who has invested in XRP and trying to put my XRP to work. This all goes back to the DeFi ecosystem that has been non-existent on the XRP ledger up until now. And so, let's get you tapped in here. I got a slide deck prepared for you guys. You're going to love it. If you guys appreciate our content, please help us out by liking, hyping, and make sure you guys have subscribed and hit that notification bell so you don't miss any of our content. This is one of our validators on the XRP ledger vet. He says in two weeks if everything goes well these feature amendments will come to the XRP ledger for voting batch confidential transfers this is privacy sponsored fees and reserves permission delegation dynamic multi-purpose tokens and a bundled fix the performance improvements include up to 40% memory reduction on some machines best case at least 10 to 15% reduced likelihood to get out of sync for nodes and validators and lots of other less splashy improvements of the XRP electric codebase all included.

[00:01:29]Okay, but what does this mean? That's what we're going to break down here. I got a quick slideshow presentation for you and let's get right on into it so we can break it down. So, getting started here with batch. This is and real quick, all of these amendments come up for voting and then the validators have to approve it with an 80% consensus. This is not like Bitcoin where if you have 51% control of the network, you can fork it. And we've seen that happen many times with Bitcoin. They're trying to figure out right now what to do about quantum. They just put forward another proposal over there for Bitcoin.

[00:02:05]But with the XRP ledger, our validators vote yes. And then once 80% consensus is reached, then it starts a two-week activation period. And then after those two weeks, the amendment goes live. So these are up for voting in a couple weeks. And if those votes come in over the next couple months, right, all of these amendments should be live this year. We should have all of these amendments passed. If it doesn't happen in Q3, it should be in Q4, but it should be done by the end of this year. And so, like I said, this is a massive upgrade for XRP before we start our bull run.

[00:02:42]And maybe our bull run gets going before these amendments actually go live, right? This is all converging at the exact same time. Sounds like a pretty good opportunity to me, but I'm not here to give you financial advice. I'm just going to break it down for you here today. Batch transactions. This is a huge one. Our developers have been asking for this one for a while.

[00:03:03]this this allows you to bundle up to eight transactions into one atomic action. So, think about these different, you know, apps that these guys are building out and these various things that they're trying to do where you buy an NFT and it gets you access over here.

[00:03:21]You, you know, participate in a liquidity pool over here and it allows something else to happen over there.

[00:03:25]Right? This allows our builders to really get to work on the XRP ledger. So you can bundle up to eight transactions in one atomic action.

[00:03:36]All succeed or all roll back. So there's no partial states, no orphan steps. This is going to be secure and it allows for smoother DeFi NFT mints and gaming UX with far fewer signatures. So as I was trying to say, right, NFT mints, gaming UX, right? So you mint an NFT over here and it allows you to access the next level on the game over here. That's a silly stupid example, but think about this in an institutional application as well too, right? We we use the example here of retail mints an NFT and gets the next level on a video game. Stupid retail example, right? Remember though, all of these silly examples, whether it's a memecoin or playing a video game, you know, with some XRP ledger integration, all of it locks up XRP. All of it burns XRP and ultimately it drives demand to XRP. Now, think of from an institutional standpoint as well too, though, right? These batch transactions and the ability to allow up to eight transactions in one atomic action. This really expands what the XRP ledger can do. safety at uh the first uh at at the foremost though. Before we add any of this, we have to make sure it's secure.

[00:04:51]Batch is now ready to go. It'll be up for voting here soon. Now, next we're looking at confidential transfers. This is going to be a big one because it's privacy brought to the XRP ledger. So, this includes encryption plus zero knowledge proofs, hiding balances and amounts on multi-purpose tokens. This allows for issuance staying fully audible on chain. Nothing about supply is hidden and regulators still get selective disclosure via view keys. So this allows for the ecosystem buildout while you can still stay in compliance.

[00:05:31]See, what I love about the XRP ledger DeFi amendments and all the programmability is it allows Joe blow retail to participate and do these things, but it also allows for institutions to do these things in a compliant way. We don't want a DeFi ecosystem that is just retail participants. We want institutions participating in using these amendments and these features to build out products and solutions and services. that is coming. Confidential transfers here going to be massive. Regulators still can can still get selective disclosure via view keys, but they're not going to see the rest of it. Right? This is beautiful.

[00:06:14]Sponsored fees and reserves. Now, this allows platforms to pay a user's transaction fees and reserves on their behalf. The user keeps full control of their own keys the whole time, and it removes the XRP preunding barrier for onboarding new users. Now this has come up in the past week the reserve conversation and if we lower the reserve which right now is 1 XRP and as we trade right above a dollar right so it's basically a dollar to open up an XRP wallet and um when when you go to close that wallet you could actually get a part of that XRP back out or part of the the the funds back out but part of that is lost forever and a dollar doesn't sound like much Right. But if you're trying to onboard people in other countries where a dollar one US dollar actually is quite a bit um you know that can be a burden that can be a hurdle.

[00:07:09]Now do we need to lower the transaction reserves? I don't think that uh the the wallet reserves do we need to lower them? I don't think that we do. I am not a fan of this. I do not think that we should lower it below one. It used to be 10. It used to be 20. I was actually looking through the history of the XRP ledger in the reserves. Um, at one point it was like 200 XRP. Um, Jed Maleb actually lowered it from like a,000 or 10,000 XRP to like 200 XRP back in 2012.

[00:07:40]Now we've brought reserves all the way down to one.

[00:07:44]And I think that with this amendment, sponsored fees and reserves, it's going to allow the platforms to eat that cost for you. And that would remove really that burden, right? I I I don't think that this is a huge burden right now, but with this amendment for sponsored fees and reserves, it allows the platform to onboard you. So basically, you could create an XRP wallet for free and the platform is going to cover that $1 cost, right? Because it costs one XRP, we're at $110, right? So the platform's going to cover that and they're going to be able to onboard you.

[00:08:20]you you you'll be able to onboard for free. That's what this amendment would allow for and I think that it will really help us for onboarding new users.

[00:08:28]So, I'm a big fan of that one and I'm a fan of holding the reserves at where they sit right now. Permission delegation is the next one. This allows you to grant specific permissions to another account without giving up full control. So rolebased access a real middle ground between multi-IG and full custody.

[00:08:49]And this was set to roll out last year.

[00:08:52]They've already fixed it patched after September 2025 security bug. So on some of these amendments, they've actually been in the process for over a year.

[00:09:02]They've just been going through some fixes. They got a bug. The developers got to do what the developers got to do.

[00:09:07]And the good news is with AI, with the amount of Ripple resources and money and engineers that they can deploy, this really has sped up the process for bringing these amendments and finding the bugs, finding the fixes, and bringing them live in a safe way sooner.

[00:09:26]This is great. Like this whole process is really speeding up. This used to take years for XRP amendments to get done.

[00:09:34]Um, and and for new people, you might not understand that, but for those of us that have been around for a while, it took us so long to get AMM through. Like liquidity pools on the XRP ledger was a huge uh process. This is all speeding up right now. That's the good news. Okay.

[00:09:52]Now, we have another one right here.

[00:09:54]This is a massive one actually. Dynamic multi-purpose tokens. Tokens can now have mutable fields set at creation and updated later. Multi-purpose tokens launched can be fully immutable. This was previously impossible.

[00:10:12]And you have real flexibility for tokens with evolving terms over their life cycle. The best example I could give you right here is a stock being brought on chain to the XRP ledger.

[00:10:23]I think one holdup that we've had on bringing stocks onto the XRP ledger specifically is we've been missing this multi-purpose token, right? Especially if you want to be able to give the people the rights um like like you would have with a traditional stock, the ability to vote and do some of these other things, right? Multi-purpose token would allow this to happen on the XRP ledger. you could bring a stock uh represent it by a token that you issue on the XRP ledger and you'll have real flexibility um to to to add evolving terms over the life cycle of of you know that coin uh that token that represents a stock in this case. So, multi-purpose tokens.

[00:11:03]This is going to be massive, I think, for opening up just all real world assets getting tokenized on the XRP ledger because up until now, you could bring the token to the XRP ledger and you could say, "Hey, I just made a a token here that represents a one stock of Nvidia."

[00:11:21]Great. But you really couldn't do much with that, right? This is all going to change with multi-purpose tokens where you'll be able to do more. you have more ability, more flexibility around what the token can represent and the rights and abilities that you can have with said token to be able to add it to liquidity pools to be able to put it into a single asset vault. That's an amendment that um I didn't include in this slide deck, right?

[00:11:48]We're we're looking at the lending protocol and the single asset vault would allow you to put these tokens into the single asset vault and start to earn yield on that token that represents a share of Nvidia.

[00:12:02]You see where this is going? This is going to get really exciting. This is not just programmability and functionality for XRP. It's for all the tokens that are going to be brought to the XRP ledger. Like up until now, the selling point to bring your RWA, to bring your tokenized stock, bond or whatever to the XRP ledger was because we have over 14 years of track record.

[00:12:25]We have great security, uh the robustness of our ledger, but the efficiency and the liquidity that we have, that was the main selling point.

[00:12:34]Come to the XRP ledger for great liquidity and security, but you really can't do anything else with that token.

[00:12:42]That's all changing. And that's why I said these amendments are so massive for our XRP DeFi ecosystem.

[00:12:50]Everybody's been going to Salana.

[00:12:52]Everybody's been going to Ethereum.

[00:12:54]Everybody's been going to every other ledger besides the XRP ledger, right?

[00:13:00]This all changes and this is additional momentum and juice that gets added to the XRP bull run that's already coming.

[00:13:11]Now the other part of this is the bundled fix which um includes fix cleanup 3.2.0 a maintenance patch not a new feature but then we also fix multi-purpose token amount validation permission domains and permission decks offer uh deletion bugs.

[00:13:34]There's a few other things there that um a couple fixes that are included in this update as well. Like I said, there's two other huge amendments, probably the biggest amendments, the lending protocol and the single asset vault. So, you add all of this together, you're going to be able to earn passive income on your XRP. You're going to be able to put your other tokens and other assets to work on the XRP ledger as well, too. And I am so excited to see what our builders do. I'm so excited to see how much further this can propel XRP during the next bull run. And as I titled the update, are we in a bull run right now? No. I'm not going to gaslight you. I I didn't come on here Monday morning to say, "Okay, I got to find some opium to give the people."

[00:14:29]I want to give you some opium. And I think this might give you some opium.

[00:14:33]But once again, we're we're been we've been beat up, right? This whole market's not catching a bid right now. It's not just XRP. It's all of crypto. And it's why XRP is trading at a dollar uh 11 right now. We're up a little bit here today. Taking a look at the XRP price chart, right? But we're finishing up this bare market and we're also finishing up this period where we don't have an XRP DeFi ecosystem. We've got our AMM liquidity pools. We got some memecoin trading last cycle, little something cooking, but basically nothing compared to other ecosystems like Salana. There's nothing happening on the XRP ledger relatively when we compare it to other ecosystems. That's all changing. And that's the opportunity gap to buy your XRP now before it goes up to 510 and $1,000, right? to understand what you can do with your XRP and and and you know build out your wallets. Get ready for the XRP DeFi.

[00:15:32]That's the opportunity gap over there is understanding how to secure your XRP, how to engage on the XRP ledger so that when all these things come out, you're ready to put your XRP to work. You're ready to put your other assets to work.

[00:15:48]So, this is the XRP upgrade that's coming before the bull run. But, I mean, you guys can let me know. We might start this bull run and we might start getting that momentum going before all of these amendments even pass.

[00:16:03]And the whole point that I'm trying to make here is that this XRP DeFi ecosystem, put your XRP to work, XRP yield, XRP passive income, put other assets to work.

[00:16:16]It all takes us into that bull run and it adds even more momentum, even more fuel in the rocket ship that we're going to be taking off on, right? And so it's why I am going to remain incredibly bullish even despite recent price action through the first part of 2026, the fact that we're not catching a bid right now, that's the opportunity that I'm going to be taking advantage of. And so I got my buy orders placed and I just upgraded uh or updated my buy orders over the weekend. Right now I have a buy order sitting at $11 and another one sitting at 92 and I've placed these on my sponsors platform ITR Capital here. If you guys haven't signed up with them if you're new, take advantage of the $100 funding bonus. It's a free $100. All you got to do is sign up using my link down below. get your account funded with a thousand bucks US or a thousand bucks worth of crypto and they're going to pad that with an extra $100 funding bonus.

[00:17:11]And it doesn't matter what product you choose. If you're a new client, you're eligible for that bonus. Whether you sign up for the IRA for your retirement funds, the premium custody account for institutional grade custody, or the treasury account for your business, your trust, your LLC or nonprofit, you can start holding crypto and precious metals over there. So, you guys let me know in the comments down below what you think about this upgrade and what it could do to help propel us further into that next XRP bull run. Let me know what you guys think about that in the comments down below. And if you appreciate our content, please help us out by liking, hyping, sharing it out far and wide. All of our community resources are available at zackrector.com. And if you want to watch another video of mine, it'll be right here. And if you haven't subscribed yet, the buttons right there.

[00:17:56]See you in the next one. God bless.