Proposed XRPL upgrade could shift XRP ownership from retail to institutions

A proposed amendment to the XRP Ledger (XRPL), based on the XLS-68 proposal, would allow banks and fintech companies to cover account reserves and transaction fees for their users. This feature aims to remove the friction of requiring customers to manage XRP directly, effectively shifting the capital requirement to the sponsoring institution's balance sheet. The proposal currently lacks sufficient validator support for activation.