Speaking at the XRP Seoul event, Long noted that financial institutions are migrating on-chain, leveraging XRPL for collateral mobility, tokenized assets, and payment infrastructure. Regulatory clarity is driving this shift. Ripple is expanding XRPL's capabilities with permissioned privacy controls, native yield and lending protocols using XRP/RLUSD, and DEX payment integration. AI agent transactions are also predicted to grow from 10 million to 100 million.