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Crypto YouTuber and XRP-focused commentator Zach Humphries is pointing to a quietly bold prediction from inside Ripple: a company engineer has called 2026 “an incredible year” for the XRP Ledger, with privacy, programmability, DeFi and zero-knowledge (ZK) interoperability all slated to land on XRPL. Humphries’ latest video centers on that internal outlook and what it could mean for both institutions and retail investors watching XRP’s stagnant price action. Programmable Privacy & XRP's DeFi Move To The Foreground Humphries highlights a post from a Ripple engineer expressing gratitude to “builders, validators and community” and outlining a roadmap in which privacy
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