The "On-Chain Cosigner" proposal, submitted to the XRPL Standards repository, would let signers collect approvals on the ledger itself and is framed for enterprise workflows.
A proposed XRP Ledger upgrade called "On-Chain Cosigner" would let participants coordinate and collect approvals for multi-signature transactions (transactions requiring multiple signer approvals) directly on-chain, removing the need for external communication channels and centralized coordinators if it is adopted through XRPL's amendment process (protocol upgrade mechanism). Submitted to the XRPL Standards repository, the proposal was authored by Shawn Xie, Zhiyuan Wang, Chenna Keshava B S, and Mayukha Vadari, and prominent XRPL community member Vet said it addresses a key weakness in the current model, where transaction details must be shared manually and signatures gathered off-chain. The authors say that creates a "last mile" problem when a coordinator loses signatures or goes offline. Under the design, a participant would create a TransactionProposal object on the ledger with an immutable transaction payload, signatures would be validated as they are submitted, and any user could forward the completed transaction through XRPL's standard process without further signature assembly. The proposal is positioned for enterprise and institutional workflows and is intended to complement Batch transactions (grouped transaction handling), sponsored fees and reserves, and future lending protocol operations.