Ripple has announced strategic investments in ZILO and Licuido as it continues expanding the XRP Ledger’s role in institutional capital markets. The move strengthens Ripple’s tokenization infrastructure by adding regulated transfer agency technology, digital asset issuance, and collateral mobility capabilities designed for financial institutions.
The announcement follows Ripple’s recent collaboration with Aviva Investors, which tokenized a U.S. Dollar Liquidity Fund on the XRP Ledger, highlighting growing institutional interest in blockchain-based financial infrastructure.
Together, the latest investments position Ripple to offer a broader suite of services for asset managers, issuers, and institutional investors looking to bring traditional financial assets onchain.
Ripple Expands Infrastructure Beyond Tokenization
According to Ripple, tokenizing assets is only one part of building digital capital markets. Institutions also need infrastructure that supports issuance, ownership records, collateral management, settlement, and regulatory compliance.
ZILO provides digital transfer agency technology used by asset managers, wealth managers, custodians, and transfer agents. Its platform enables institutions to manage tokenized share classes while maintaining regulated shareholder records, an important requirement as investment funds move onto blockchain networks.
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Licuido complements this by providing technology for digital issuance, distribution, and collateral mobility. Its platform enables tokenized assets, including investment funds, to be transferred, traded, and used as collateral within regulated financial markets.
Ripple said these capabilities will integrate with its existing infrastructure built on the XRP Ledger, allowing institutions to issue tokenized assets, settle transactions atomically, and utilize collateral more efficiently.
XRP Ledger Targets Institutional Capital Markets
Ripple’s institutional infrastructure combines custody, issuance, collateral utility, treasury management, and atomic settlement on the XRP Ledger. The company also plans to use its RLUSD stablecoin as the regulated cash leg for delivery-versus-payment transactions involving tokenized assets.
Nigel Khakoo, Ripple’s Senior Vice President of Trading and Markets, said the industry is moving beyond simple tokenization toward enabling assets to be actively traded, settled instantly, and used as collateral across financial markets.
The investments also build on Ripple’s earlier partnerships with organizations including Aviva Investors, Franklin Templeton, and DBS, all aimed at bringing regulated investment products onto blockchain infrastructure.
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Executives from both ZILO and Licuido said the partnership will help accelerate institutional adoption by providing the operational tools needed for regulated tokenized funds and collateral markets.
Ripple highlighted several characteristics of the XRP Ledger that make it suitable for institutional use, including fast transaction settlement, predictable fees, low energy consumption, compliance-focused features, and atomic settlement capabilities.
Since launching in 2012, the XRP Ledger has processed more than four billion transactions, supports over seven million active wallets, and is maintained by more than 120 independent validators.
The latest investments underscore Ripple’s broader strategy of positioning the XRP Ledger as infrastructure for the next generation of digital capital markets, where tokenized assets can be issued, transferred, settled, and used as productive collateral within regulated financial systems.
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