Ripple's XRP Ledger activated the "Certificates" amendment (XLS-0070) on September 4, 2025, introducing on-chain KYC/AML controls through decentralized identity verification. This update enhances privacy and institutional utility by enabling issuers to create, accept, and revoke compliant credentials without exposing sensitive data. It includes new transaction types and integrates credential-based compliance gates into payments and custody, supporting future features such as permissioned domains and decentralized exchanges. The amendment, which has received support from over 80% of validators, aims to enhance the ledger's appeal for regulated use cases.