- XRPL Commons and Boundless announced native zero-knowledge proof integration for the XRP Ledger at Paris Blockchain Week, enabling institutions to settle transactions without exposing sensitive financial data.
- The upgrade supports confidential stablecoin payments, treasury management, and DeFi access while maintaining regulatory compliance through selective disclosure and role-based access for auditors.
- The integration is live on testnet, with institutional adopters including SBI Holdings, Zand Bank, Archax, and Guggenheim Treasury Services already operating on the network.
XRPL Commons and zero-knowledge infrastructure provider Boundless announced that native ZK proof verification is now integrated into the XRP Ledger testnet, enabling private and verifiable transactions aimed at institutional users.
The integration allows financial institutions to validate payments, confirm funding and meet compliance requirements without exposing transaction details on-chain, and finally addressing a key limitation of public blockchains, where all activity is typically visible.
The system uses zero-knowledge proofs (ZKPs), a cryptographic method that proves information is valid without revealing the underlying data. Boundless provides this as a managed service, requiring no additional infrastructure from institutions.
XRPL has always been built for institutional finance. With Boundless, we are making confidential, compliant execution native infrastructure on XRPL, unlocking a category of enterprise use cases that simply wasn’t possible before.

XRPL Commons Director of Corporate Adoption Odelia Torteman. Read more: ECB Backs Plan to Centralise EU Crypto Oversight Under ESMA
Stablecoins, Treasury, and DeFi
The upgrade introduces four primary use cases. Stablecoin transfers involving RLUSD, USDC and USDT can be executed with hidden amounts and counterparties.
Treasury operations, including over-the-counter trades and internal transfers, can be conducted without revealing strategy.
Moreover, institutions can access DeFi protocols while keeping positions private and reducing exposure to MEV (maximum extractable value). The system also supports cross-chain transactions with atomic settlement guarantees.
The feature is currently live on the XRP Ledger testnet and has been used in recent XRPL Commons hackathon activity.
The XRP Ledger ecosystem reports more than US$550 million (AU$797.5 million) committed across institutional initiatives. Participants include SBI Holdings, Zand Bank, Archax and Guggenheim Treasury Services.
Boundless, developed by a team behind a large-scale ZK proving network, also supports post-quantum cryptographic upgrades, targeting long-term security requirements for enterprise adoption.
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