TechXRP Ledger Set for Upgrade Enabling Banks to Share Payment Responsibilities

The upcoming upgrade, expected to launch on October 5, will allow businesses to assign limited responsibilities to other accounts, such as processing payments or approving customer access, without relinquishing total control.

By Shaurya Malwa22 minutes ago2 min readMake preferred on ShareShare this articleCopy linkX (Twitter)LinkedInFacebookEmailMake preferred on XRP Ledger set for upgrade enabling banks to share payment responsibilities. (Shutterstock)SummaryShow
  • The PermissionDelegationV1_1 upgrade for the XRP Ledger is slated for activation on October 5, contingent on support from at least 28 of the network's 35 trusted validators.
  • This new feature allows accounts to delegate specific tasks, such as processing payments or customer approvals, while retaining broader control of their keys.
  • The latest version addresses a vulnerability in a prior attempt that could have enabled unauthorized transaction fees to drain XRP balances.

The XRP Ledger is poised to implement a feature that permits one account to authorize another to make payments or verify customers on its behalf, while still keeping control of the overall account.

Known as PermissionDelegationV1_1, this feature began a 14-day countdown to activation on September 21, after receiving backing from 29 out of 35 trusted validators. If support remains consistent, the feature could be operational by October 5 at 11:18 UTC, as indicated by the live amendment dashboard.

A minimum of 28 validators must maintain their support; any drop below this threshold would reset the countdown.

This upgrade allows an account to segment its authority based on tasks. For instance, a stablecoin issuer could permit a compliance system to approve customer accounts for holding its token while keeping the master keys securely offline.

Additionally, a separate operational account could be granted permission to process payments without the ability to alter those keys or extend authority to another party. Each delegated account can have up to 10 permissions, which can be modified or revoked by the main account, as outlined in the XRPL documentation.

This is the second attempt to introduce PermissionDelegationV1_1 to the network.

The initial version had a flaw that could allow an attacker to force another account to pay transaction fees for operations that it had not properly authorized. This flaw could potentially drain the victim's XRP balance through repeated submissions with inflated fees.

In the flawed version, the software checked if an account had the necessary permissions after verifying the signature, which meant fees could be deducted before confirming the validity of the signature, as per an XRPL vulnerability report.

The issue was flagged by a community tester on September 15, 2025, during testing phases outside the main network. Validators were instructed to reject the amendment, preventing its activation.

Read More: XRP Ledger upgrade reinstates features previously withdrawn due to critical bugs

The new version will be included in xrpld 3.3.0, the software that runs XRP Ledger nodes. This fix modifies the rejection process for unauthorized transactions to ensure that fees are not charged prior to signature verification.

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