Ripple is upgrading the XRP Ledger to attract financial institutions by 2026, with new features to boost the tokenized assets economy. The chain will introduce identity verification, smart escrow, and confidential transactions to enhance trading capabilities. The new lending feature will provide uncollateralized loans for users. Investors should monitor Q2 and Q3 for usage signals of the upgrades. While XRP is a good pick for a crypto portfolio, regulatory concerns may impact its future. Consider Stock Advisor’s top 10 stock picks for potential high returns, as XRP is not included in their list.

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