The XRP Ledger Credentials amendment activates on September 4, 2025, enabling decentralized identity management for KYC and AML. It adds CredentialCreate, CredentialAccept, and CredentialDelete transaction types to let users and institutions prove compliance status on-chain.
-
Decentralized identity tools for on‑chain KYC/AML compliance
-
Activation: September 4, 2025 at 03:51:21 UTC; network approval 28 of 35 validators (82.86%).
-
XRP price momentum: +400% year-over-year; resistance at $3.09, $3.38, $3.66; key support $2.48.
Meta description: XRP Ledger Credentials amendment enables on-chain KYC/AML identity management; activates Sept 4, 2025 — read the amendment details and price outlook.
XRP Ledger’s Credentials amendment activates on September 4, enhancing compliance tools with decentralized identity management for KYC and AML.
What is the XRP Ledger Credentials amendment?
The XRP Ledger Credentials amendment is a protocol upgrade that introduces decentralized identity features to support KYC and AML workflows on-chain. The amendment standardizes credential creation, acceptance, and deletion using three new transaction types and new ledger entry fields to record credential state.
How did the network approve the amendment and when does it activate?
The amendment received 28 of 35 validator votes in favor, representing 82.86% approval. Activation is scheduled for September 4, 2025, at 03:51:21 UTC. Once live, the ledger will accept the new credential transactions and related ledger entry types.
How will the Credentials amendment work on the XRP Ledger?
The amendment adds three transaction types: CredentialCreate, CredentialAccept, and CredentialDelete. CredentialCreate records a credential issuance event. CredentialAccept records a recipient’s acceptance. CredentialDelete withdraws a credential when it is no longer valid. New fields on existing transactions and a new ledger entry type maintain credential metadata.
Why does this matter for KYC and AML?
Embedding credential workflows on-chain lets institutions and users present verifiable, tamper-resistant attestations of identity or compliance status. This supports auditability and reduces friction in cross-border transfers while preserving decentralization by avoiding centralized credential stores.
New Transaction Types: What changes?
The amendment expands transaction capabilities with targeted, credential-specific operations. Implementers will see:
-
CredentialCreate: Issuers register a credential and associated metadata on-chain.
-
CredentialAccept: Recipients confirm they accept the credential and its terms.
-
CredentialDelete: Issuers or authorized parties remove credentials from active status.
These transactions add fields to several ledger entry types to ensure compatibility with existing XRP Ledger mechanics and consensus rules.
What is the market impact on XRP price?
XRP has shown strong price momentum over the past 12 months, increasing roughly 400% year-over-year. Recent movement saw XRP rise $1.61 to $2.87. Key resistance levels to watch are $3.09, $3.38, and $3.66, with major support near $2.48. These levels reflect trader sentiment and may shift as on-chain utility increases.
Frequently Asked Questions
When does the Credentials amendment activate on the XRP Ledger?
Activation is scheduled for September 4, 2025 at 03:51:21 UTC after achieving 28 of 35 validator votes in favor (82.86% approval).
Who can issue and accept credentials on the ledger?
Issuers can be institutions or authorized entities that create credentials via CredentialCreate. Recipients confirm via CredentialAccept. CredentialDelete is available to authorized issuers or governance-defined roles to withdraw credentials.
Will credentials expose user data on-chain?
No. The amendment is designed for verifiable claims and metadata; sensitive personal data can be represented by cryptographic proofs or references rather than raw personal data to minimize on-chain exposure.
Key Takeaways
- Activation date: Scheduled for September 4, 2025 at 03:51:21 UTC.
- New transactions: CredentialCreate, CredentialAccept, CredentialDelete enable on-chain credential lifecycle.
- Compliance utility: Structured support for KYC/AML using decentralized identifiers and verifiable claims.
Conclusion
The XRP Ledger Credentials amendment marks a material step toward integrating decentralized identity and compliance on-chain. By adding CredentialCreate, CredentialAccept, and CredentialDelete, the ledger enhances KYC and AML workflows while preserving decentralized principles. Monitor activation and adoption as on-chain credential use increases and market response evolves.
