Ripple Engineering Director Viijay Khanna revealed that the company is preparing for a comprehensive upgrade to the XRP Ledger (XRPL) in 2027, aimed at supporting smart contracts and commercial banking payments. Ripple's engineering department is adjusting the underlying infrastructure to handle institutional capital, with the recent release of the xrpld 3.3.0 version reducing node memory consumption by 13% to 23%. Additionally, the XRPL Foundation has released its 2027 roadmap to welcome the adoption of the RLUSD stablecoin, tokenized stock trading, and interbank lending.