Building on XRPL has taught me one thing fast: public rails are powerful, but not every part of the app should be public.
I can put settlement, payments, tokens, escrows, and wallet flows on-chain all day. That part makes sense. But the second you are dealing with identity, eligibility, compliance checks, customer data, private business logic, or anything sensitive, you hit a wall. You do not want that sitting out in public forever.
Public ledgers made trust programmable, but that transparency cuts both ways. On the XRP Ledger, every amount, address, and balance is out in the open. That is exactly what you want for settlement, and exactly what you cannot have for sensitive business logic.
The argument of this post is simple:
You should not have to choose between public settlement and private logic.
