Ripple is testing credit services that would allow payment customers to use XRP held in lending pools as collateral to fund payment obligations, with activation targeted for 2027. President Monica Long said many customers already rely on short-term credit, particularly service providers, and that Ripple is connecting lending protocols with its payments infrastructure. The company also plans to expand a successful XRPL decentralized-exchange pilot in 2027 and make exchange functionality a core component of its payment infrastructure engine. Long said Ripple is considering moving more customer transaction volume onto XRPL while handling permissioning, privacy and control requirements for institutions. At XRP Seoul 2026, she discussed collateral mobility, tokenized assets and payment infrastructure with more than 5,500 attendees. Ripple’s broader institutional agenda includes permissioned privacy controls, native yield, XRP and RLUSD lending, confidential transfers using Zero-Knowledge Proofs, AI-agent infrastructure and tokenized funds that can support around-the-clock collateral access and real-time borrowing. Swell 2026 will also focus on spot XRP ETFs, bank-grade digital-asset infrastructure and artificial intelligence, alongside the XRP Ledger-focused Apex summit and UBRI Connect.