Ripple’s XRP Ledger v3.0.0 Goes Live: Native Lending, Zero‑Knowledge Privacy and a Critical Amendment Push XRPL DeFi to the Next Level
On December 11, 2025, the XRP Ledger ecosystem finds itself at a turning point. Ripple’s core software has jumped to XRP Ledger (XRPL) v3.0.0, a long‑planned native lending protocol is moving from roadmap to implementation, and a key amendment—fixDirectoryLimit—is just days away from activation on mainnet. Together, these upgrades aim to turn XRPL from a fast payments network into a full institutional‑grade DeFi platform with built‑in compliance and privacy. Below is an in‑depth look at what changed, why it matters, and what’s coming next for XRP, XRPL and institutional DeFi. XRPL v3.0.0: The Biggest Core Upgrade in Years Ripple and