XRP News Today: XRPL Walks a Compliance Tightrope Amid Spam Storm and Institutional Momentum

The XRP Ledger (XRPL) entered a pivotal phase in September 2025 with the activation of the Credentials amendment, a protocol update designed to enhance compliance and decentralized identity management. The amendment, which received 82.86% support (28 of 35 votes), activated on September 4 at 03:51:21 UTC, introducing three new transaction types-CredentialCreate, CredentialAccept, and CredentialDelete-to manage attestations for KYC/AML compliance and link them to Decentralized Identity (DID) on the ledger XRP Ledger Credentials Amendment Backed by 28 of 35 Votes^[1]. This update enables institutions to issue verifiable credentials for compliance checks, streamlining on-chain identity workflows while maintaining auditability. The amendment follows recent protocol improvements, including the activation of fixAMMv1_3 and fixEnforceNFTokenTrustlineV2, underscoring ongoing efforts to enhance XRPL's functionality XRP Ledger Credentials Amendment Backed by 28 of 35 Votes^[1].

XRP's market performance has also drawn attention, with the token surging approximately 400% year-on-year as of September 2025, outperforming Bitcoin (≈88%) and Ethereum (≈73%) XRP Ledger Credentials Amendment Backed by 28 of 35 Votes^[1]. At the time of writing, XRP traded at $2.87, with key resistance levels at the 50-day simple moving average (SMA) of $3.09 and $3.66, and support at the 200-day SMA of $2.48 XRP Ledger Credentials Amendment Backed by 28 of 35 Votes^[1]. Analysts highlighted that breaching these resistance levels could propel XRP toward $4, while a decline below $2.48 might trigger further corrections XRP Ledger Credentials Amendment Backed by 28 of 35 Votes^[1]. Whale activity, including the accumulation of 340 million XRP over two weeks, has reinforced market confidence, though derivatives open interest has cooled Decoding XRP Ledger: How Protocol Requirements Shape the Network^[7].

Institutional adoption of XRPL has accelerated, with the ledger entering the top tier of institutional DeFi. The network processed over $1 billion in stablecoin volume monthly and ranked among the top 10 chains for real-world asset (RWA) activity The Next Phase of Institutional DeFi on XRPL | Ripple^[3]. The Credentials amendment, combined with the Deep Freeze feature (which allows issuers to freeze accounts for compliance), strengthens XRPL's appeal to regulated entities. Additionally, the upcoming native lending protocol, set for release in XRPL Version 3.0.0, aims to enable low-cost, compliant credit markets at the protocol level, further solidifying XRPL's role in institutional finance The Next Phase of Institutional DeFi on XRPL | Ripple^[3].

However, challenges persist. On-chain data revealed a surge in wallets holding 1.00000100 XRP, a value now the third most common on the ledger, attributed to spam transactions targeting newly activated wallets . This phenomenon, linked to memo-spam campaigns, highlights vulnerabilities in the lower 1 XRP account reserve, which attracted 45% more wallets in seven months compared to older reserve tiers . Such issues underscore the need for robust spam mitigation strategies as the network scales.

Looking ahead, XRPL's roadmap includes the integration of zero-knowledge proofs (ZKPs) to balance privacy and compliance, with confidential Multi-Purpose Tokens (MPTs) slated for Q1 2026 The Next Phase of Institutional DeFi on XRPL | Ripple^[3]. These advancements aim to address scalability and privacy concerns while maintaining regulatory alignment. Meanwhile, the XRP price outlook remains tied to adoption milestones, including the potential launch of U.S. spot ETFs and broader institutional custody solutions XRP Price Outlook for September: On-Chain Data Shows Potential for a Breakout^[6].

The Credentials amendment marks a significant step in XRPL's evolution, positioning it as a compliant, efficient blockchain for institutional use cases. However, its long-term success will depend on addressing technical challenges like spam and ensuring seamless integration with regulatory frameworks. As the network continues to mature, the interplay between protocol innovation, market dynamics, and institutional adoption will define XRP's trajectory in the coming months.