Idea: Adaptive Compliance Ledger™ (ACL) — Compliance-as-Code for XRPL.”

[DMC5501]

Hello XRPL community,

Following up from my earlier submission, I’d like to propose a discussion around the concept of the Adaptive Compliance Ledger™ (ACL) as a potential framework for compliance-as-code on XRPL.

Core Idea:
ACL acts as a preflight compliance layer, gating transactions before settlement and enforcing jurisdiction-specific rules, sanctions compliance, and cross-border requirements in real time.

Why XRPL could benefit:
– Cross-border payments: Aligns with Ripple’s mission by reducing compliance friction for issuers and payment providers.
– Forkless jurisdiction packs: Modular updates to reflect evolving regulations (MiCA in EU, U.S. state laws, FATF travel rule).
– Predictive compliance: Simulations to anticipate reg changes and provide early signals.
– Auditability: Immutable proofs for instant verification by regulators and partners.

Goal of this discussion:
Explore whether ACL should remain a standalone middleware/tool, or whether parts of the concept (like compliance hooks or jurisdiction packs) could evolve into a formal XRPL standard.

Looking forward to feedback and discussion.

[DMC5501]

Just wanted to follow up here — curious if anyone in the XRPL community has thoughts on where a compliance-as-code framework like this might fit into the broader standards roadmap.

No urgency, but I’d really value perspectives from folks working on cross-border payments, stablecoins, or other regulatory-sensitive use cases.