Ripple director of engineering Viijay Khanna confirmed major XRP Ledger performance improvements for 2027 as debate intensified over the network’s roughly 1,500 transactions per second. Critics compared that throughput with Visa’s average daily load and described the XRPL as an outdated version of legacy payment systems. The XRP Ledger Foundation’s roadmap includes 24 amendments costing $5.774 million for development and audits, alongside WebAssembly smart contracts, lending pools, options, repo markets and decentralized-exchange pathfinding improvements. The release of xrpld 3.3.0 reduced node RAM usage by 13% to 23%, while Ripple said the broader overhaul is intended to support RLUSD payments, tokenized stocks and interbank lending as those activities expand beyond pilot projects.