of $XRP Ledger expands escrow functionality further than ever $XRP itself. The TokenEscrow amendment (XLS-85) currently in force allows assets issued in XRPL (stablecoins, IOUs, tokenized products, etc.) to be locked under verifiable on-chain conditions. This upgrade enables a broader range of DeFi use cases and introduces institutional-level asset workflows directly at the protocol level without the need for external smart contracts or custodians.
“Being optimistic has never been this easy.”
Until now, $XRP Coins may be locked in escrow. Enabling TokenEscrow on ledger #102204929 allows developers and institutions to securely time-lock, condition-lock, or multi-party adjust IOUs or multi-purpose tokens (MPTs) on the ledger. Although this change is technical, the impact will be immediate and practical.
$XRP Contributor Vet said the proposed amendments are a game-changer for XRPL, transforming it from a single-asset network to the foundation of a multi-token financial tool. With support for stablecoins, meme assets, and tokenized products, this infrastructure enables decentralized alternatives to traditional payment flows.
It was never easy to be optimistic.
We are literally upgrading TradFi. $XRP DeFi and best-in-class payments infrastructure.
It's an opportunity market.
— Veterinarian (@Vet_X0) February 12, 2026
In his words, this is an environment where there is optimism based on protocol upgrades rather than speculation, and XRPL is like an opportunity market where real financial resources can be deployed.
XRPL escrow allows you to lock up your funds with clear protocol-level terms. For example, you can release funds after a certain amount of time or only when encryption conditions are met. With XLS-85, this feature now applies to issued tokens such as RLUSD, meme coins, and tokenized physical assets. These locked assets avoid the need for a centralized escrow agent and pave the way for financial structures that incorporate automated OTC trading, vesting schedules, and compliance.
TokenEscrow is not a fancy feature. It's infrastructure. For TradFi players testing stablecoins or tokenized treasuries, this fix removes an important barrier to smart custodial workflows that do not require smart contracts.
