Ripple engineering director Viijay Khanna says the company has big plans for XRP Ledger performance improvements in 2027. He links that work to smart contracts and support for commercial bank payments, but the timing is the key detail: this is a future roadmap, not a near-term throughput upgrade.
Ripple is also framing scaling around network design, not just raw speed. The base XRP Ledger could be focused on larger institutional flows, while smaller retail activity may move to a second layer built above it. That makes the issue not only how many transactions the main ledger can process, but which activity belongs there and what extra network sits on top.
For developers and institutions weighing where to build, a 2027 horizon means the performance push is still some way off. It does not point to immediate throughput relief, and it is not evidence that this proposed traffic split is already in place. The next checkpoint is whether Ripple gives more detail on the design and whether real users and applications adopt that structure before the target date.
Ripple’s 2027 XRP Ledger performance roadmap is the one to watch as the network tries to reset capacity expectations.