Here’s What The New XRP Ledger Updates By Developers Mean For Investors

Developers are getting ready to introduce a major security update on the XRP Ledger (XRPL) that could enhance investor protection. Known as XLS-86 Firewall , the amendment is designed to block scams and stop the loss of XRP tokens from wallets—a long-awaited safeguard for a community that has endured heavy losses in the past. How The New XRP Ledger Update Will Protect Investors The XRP Ledger is preparing to roll out one of its most significant security-focused updates, known as the XLS-86 Firewall. Announced by a dUNL Validator identified as ‘Vet’ on X social media, the proposal aims to provide a safeguard against the increasing number of scams targeting XRP holders . At its core, the amendment is created to give investors greater control over how their transactions are executed, limiting the chances of bad actors draining their wallets . The firewall will allow account owners to impose customized restrictions on outgoing transactions, including time-based limits and value-based thresholds. This means that even if an attacker manages to gain access to a private key, they cannot instantly withdraw funds from the account. Instead, these restrictions buy valuable time for the legitimate owner to react and secure their holdings. Another vital component of the amendment is the “whitelist” mechanism. With this feature, investors can authorize a list of trusted accounts that are exempt from firewall restrictions, ensuring that daily transactions are not disrupted. This design balances security with usability, giving users confidence that their systems are protected without adding unnecessary friction to daily workflows. Notably, activation of the firewall is left to the user’s discretion, allowing them to tailor security to their needs and risk tolerance. For retail investors and small enterprises, the upgrade offers a critical advantage by providing an extra layer of protection against scam attacks . Traditionally, multisignature protection has been touted as a robust security layer; however, it remains complicated for the average user to implement. By contrast, the upcoming XRPL firewall offers a more accessible solution that complements existing transaction flows. Its simplicity and promised defense against unauthorized transfers make it a potentially game-changing new security upgrade for XRP holders. Why XRPL Needed A Firewall Security Upgrade The development of the XLS-86 Firewall did not arise independently but as a response to persistent and growing threats against the XRP community . Over the years, malicious actors have repeatedly exploited unsuspecting investors, employing tactics that range from phishing campaigns to impersonation scams. Just recently, the CTO of Ripple, David Schwartz, flagged a fake airdrop scheme that could have inflicted serious losses on unsuspecting investors had it gone unnoticed. Currently, the XRP Ledger does not provide any built-in safeguards to stop a compromised account from being drained instantly. However, with the development of the new firewall upgrade, XRP investors will be allowed to set protective rules that delay or restrict suspicious outgoing transfers, reducing the likelihood of catastrophic financial losses while still giving them full custody of their funds.