Gate News 消息，2026年3月30日，Ripple 研究团队提出在 XRP 分类账 (XRPL) 上为多用途代币 (MPTs) 提供隐私保护转账方案。该论文由 Murat Cenk、Aanchal Malhotra 和 Joseph Ayo Akinyele 撰写，提出的保密转账 (Confidential MPTs) 旨在支持机构和受监管的应用场景，同时允许发行方执行冻结和追回等控制措施。
该方案是 XLS-33 代币标准的加密扩展，该标准已于 2025 年 10 月在 XRPL 主网上线。保密转账通过使用 EC-ElGamal 加密账户余额，并结合非交互式零知识证明，确保交易正确性和余额充足性，无需验证者解密账户信息。同时，发送方和接收方身份仍可见，保留了 XRPL 的账户模型。
论文摘要指出，保密型 MPT 提供基于多密文余额和等价性证明的链上选择性披露模型，以满足监管和机构需求，实现加密审计功能，并兼容更简化的发行方介导审计模式。这意味着机构用户在进行合规交易时可以享受更高隐私保护，而监管方仍可执行必要的审计。
此项研究发布之际，全球监管机构对链上隐私态度正在调整。美国财政部 3 月初提交的报告承认，合法数字资产用户在公共区块链上交易可能依赖混币器。Ripple 同时也在强化 XRPL 网络安全，推出人工智能驱动型安全战略，以增强整个生态的稳健性。
该隐私转账方案的提出，将为 XRPL 上的多用途代币交易提供更安全、可控和合规的隐私功能，或推动机构采用 XRPL 进行高价值数字资产操作，并对未来公共区块链隐私标准形成示范效应。
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