XRP Ledger 2027 roadmap containing 24 amendments… 22 unapproved proposals

The XRP Ledger Foundation has outlined a 2027 protocol roadmap containing 24 amendments, including smart contracts, options, collateralized lending, and repurchase agreements, though not all features are guaranteed to reach the network that year. As of November 9, the official roadmap distinguishes two approved-but-unreleased amendments—a payment channel for issued tokens and a change to how vaults accrue interest—from 22 unapproved proposals. For the unapproved proposals, the foundation's 2027 target is reaching merge-ready status after specification, code review, and security audits rather than full mainnet deployment. The roadmap signals XRPL's push beyond payments into DeFi-style functionality, and the next things to watch are which of the 22 unapproved amendments clear review and auditing and when the two approved amendments go live.