Ripple Moves XRPL to Community-Led Funding in 2026

• Ripple plans to decentralize XRP Ledger funding starting in 2026.
• New XAO DAO will give community members voting power.
• FinTech Builder Program targets institutional-grade financial applications.

Ripple is preparing a structural overhaul of how the XRP Ledger ecosystem is funded and governed, signaling a move away from centralized support toward a broader, community-led model beginning in 2026.

For years, much of the ecosystem’s financial support flowed through Ripple-backed initiatives such as XRPL Grants. Those programs will continue, but executives say 2026 marks a pivot toward diversified capital channels designed to make the network more resilient.

Several new programs form the backbone of this transition.

FinTech Builder Program Targets Institutional Use Cases

Ripple plans to introduce a FinTech Builder Program aimed at startups developing institut…

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