Ripple expanded XRPL infrastructure through ZILO and Licuido investments supporting regulated tokenized assets, collateral management, and institutional adoption. RLUSD provides liquidity whi
Ripple President Monica Long has described the company’s latest investments in ZILO and Licuido as a response to growing demand from banks seeking blockchain infrastructure for tokenized assets. According to Long, financial institutions have moved beyond testing distributed ledger technology and are now issuing regulated financial products on public blockchain networks.
She explained that Ripple’s strategy focuses on providing the infrastructure institutions need to manage digital assets throughout their lifecycle. As a result, Ripple expanded its capabilities in regulated transfer agent services and collateral management through the two investments.
Long added that the shift reflects changing priorities across the banking sector, where tokenization is becoming part of mainstream financial operations rather than a limited technology experiment.
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According to Long, Ripple aims to build a complete ecosystem supporting issuance, settlement, liquidity, and management of tokenized assets on the XRP Ledger. Stablecoin liquidity remains a key part of that strategy, with Ripple USD (RLUSD) circulating at more than $759 million.
Moreover, the investments followed the launch of a dollar liquidity fund by Aviva Investors on the XRP Ledger. Regulatory approval from the Central Bank of Ireland strengthened the initiative by allowing regulated financial products to operate within a compliant blockchain framework.
Data from RWA.xyz shows that tokenized real-world assets on the XRP Ledger have reached approximately $3.97 billion. Besides that growth, the number of token holders within the network’s real-world asset sector has increased by nearly 24%, reflecting broader institutional participation.
Long noted that capital is increasingly moving into blockchain environments operating around the clock. Consequently, Ripple believes financial institutions now require infrastructure capable of supporting regulated tokenized assets rather than isolated blockchain pilots.
In the last year, we’ve seen the veritable light switch flip – from bank pilots to production, from issuing tokenized assets like money market funds and liquidity funds to using them! Institutional capital markets are moving in one direction — onchain 24/7. At Ripple, our goal… https://t.co/DPhbEBY3Dr
— Monica Long (@MonicaLongSF) August 4, 2026
The XRP Ledger already hosts several large tokenized financial products that support Ripple’s long-term strategy. These include the British JMWH commodity-backed token, valued at more than $2.22 billion, alongside Ondo Finance’s OUSG U.S. Treasury fund worth over $212 million.
Additionally, the network supports more than $650 million in tokenized credit products across markets including Spain and Brazil. Together, these assets expand the ledger beyond payments into broader institutional finance.
Rather than offering standalone services, Ripple is assembling an ecosystem where stablecoins, tokenized securities, commodities, and credit products operate within the same blockchain infrastructure. According to Long, that approach reflects the direction financial institutions are taking as tokenized assets become a larger part of regulated markets.
Ripple’s latest investments also reinforce its ambition to make the XRP Ledger a platform supporting every stage of institutional asset management. Consequently, the company is strengthening infrastructure that allows regulated issuers to create, manage, and settle digital assets within a single network.
Long’s remarks indicate that Ripple expects demand for compliant blockchain infrastructure to expand as more banks enter the tokenized asset market. The company’s latest investments align with that objective by adding services designed to support institutions rather than retail-focused blockchain activity.
Ripple’s investments in ZILO and Licuido highlight its broader effort to expand institutional infrastructure on the XRP Ledger. According to Long, banks are increasingly adopting tokenized finance, and Ripple is positioning XRPL with the services required to support regulated assets, stablecoin liquidity, collateral management, and settlement within one blockchain ecosystem.
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