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Analyst and XRP YouTuber Zach Rector has shared his wishlist for XRP in 2026, predicting an exciting year.
He focuses on practical improvements that could make XRP more useful and valuable. While price growth is expected in the long term, Rector says he is more interested in real-world use and adoption.
Notably, his 2026 wishlist builds on the outlook that Panos Mekras, co-founder of Anodos Finance, highlighted on X.
Batch Transactions and Sponsored Fees Reserves
Rector wants the XRP Ledger to add batch transactions and sponsored fees. These updates would make XRP easier and cheaper to use, helping businesses and developers build more projects.
Sponsored fees would let users use the network without owning XRP, making it more accessible. Rector believes these changes could attract more developers and drive adoption of XRP.
Growth of RWA on the XRP Ledger
Rector is also eager to see a significant expansion of tokenized real-world assets (RWAs) on the XRP Ledger, including stablecoins, tokenized stocks, and commodities like gold and silver.
He believes that this could unlock massive potential for the XRP ecosystem, especially if paired with regulatory clarity from governments.
Tokenized stocks, bonds, and commodities would create new ways to use XRP and connect it more closely to traditional finance.
Rector acknowledges that regulatory uncertainty remains a hurdle. Yet, he is optimistic that the passage of the Clarity Act in 2026 could clear the way for these developments to take shape.
Lending Protocol and DeFi Expansion
In addition to tokenized assets, Rector is calling for the addition of a native lending protocol to the XRP Ledger. This feature would facilitate DeFi applications within the XRP ecosystem, enabling users to lend and borrow assets in a decentralized manner.
Rector sees lending as an essential part of growing the XRP DeFi space, as it would help to establish sustainable yield opportunities and drive increased demand for XRP.
With these features, Rector believes the XRP ecosystem could see explosive growth in 2026, as retail users and institutions begin to see XRP as a viable DeFi asset.
XRP Foundation’s Incentives and Developer Support
Rector’s wishlist also includes a serious incentive and grant program by the XRP Ledger Foundation. This would provide developers with the resources needed to build out killer applications that can attract millions of new users to the XRP ecosystem.
He advocates for better development tools, funding for consumer applications, and efforts to increase liquidity on the XRP Ledger’s DEX and AMM platforms.
Focus on Fundamentals and Real Utility
Rector’s final point centers on the importance of focusing on the fundamentals and utility of XRP, rather than speculative narratives. He urges the XRP community to promote the real-world use cases of XRP, emphasizing its utility in cross-border payments, decentralized finance, and tokenized assets.
Rather than relying on hopes for skyrocketing prices, Rector believes the focus should remain on XRP’s practical value and long-term adoption.
“When we’re telling our friends, families, and others about XRP in 2026, I don’t want us to lead with ‘XRP is going to $10,000’ because of a theory or a narrative. We need to bring it back to the fundamentals,” Rector remarked.
Lots of improvements to make in 2026 too.https://t.co/7cCwGQEbT9
— Panos 🔼🇬🇷 (@panosmek) December 29, 2025