Ripple Invests in Zilo and Licuido for Tokenized Markets
Ripple strategically invests in Zilo and Licuido to enhance tokenized assets on XRP Ledger. The partnerships aim to bring regulated transfer agency, issuance, and collateral mobility, addressing idle collateral. Aviva Investors recently tokenized a fund on XRPL after Irish central bank approval, signaling growing institutional adoption.
Quick Take
Ripple invests in Zilo (transfer agency) and Licuido (FCA-regulated tokenization).
Aims to bring regulated issuance and collateral mobility to XRPL.
Aviva Investors launched a tokenized fund on XRPL last week.
XRPL holds $368 million in tokenized real-world assets.
Market Impact Analysis
BullishStrategic investments in regulated tokenization firms and growing institutional adoption (Aviva, Ripple Mint) strengthen XRPL's utility and legitimacy.
Speculation Analysis
Key Takeaways
- Ripple invests in Zilo and Licuido to integrate regulated transfer agency, issuance, and collateral mobility onto XRP Ledger.
- The undisclosed deals aim to let tokenized funds serve as collateral from issuance, tackling idle collateral issues.
- Aviva Investors recently tokenized a money market fund on XRPL after receiving Irish central bank approval.
- XRPL holds $368M in tokenized real-world assets, with the total RWA market seeing a 50% surge in holders to 1.57M.
What Happened
Ripple announced strategic investments in Zilo and Licuido, two UK-based firms, to expand tokenized capital markets on XRP Ledger. Zilo provides global transfer agency solutions for wealth managers, while Licuido is an FCA-regulated tokenization provider. The move comes just a week after Aviva Investors launched a tokenized money market fund share class on XRPL with Irish central bank approval. Ripple aims to combine Zilo’s custody-agnostic asset servicing with Licuido’s regulatory-compliant token issuance to enable collateral mobility—turning idle tokenized assets into usable financial instruments from the point of issuance.
The Numbers
XRP Ledger currently hosts $368 million in tokenized real-world assets (RWAs), ranking 11th among blockchains. Ethereum dominates with $17.1 billion. The total RWA market sits at $37.3 billion, up 1.5% over the past 30 days, while the number of unique holders surged 50% to 1.57 million. Zilo previously raised $58.7 million in total equity funding, according to Traxcn. The undisclosed investments from Ripple are expected to accelerate infrastructure development on XRPL, following the February launch of Ripple Mint, a platform for institutional minting and redemption of the RLUSD stablecoin.
Why It Happened
Institutional demand for tokenized assets is accelerating, and Ripple is moving to position XRPL as a compliant, institutional-grade hub. Aviva’s tokenized fund launch validated XRPL’s readiness for regulated financial products. Ripple’s investments address two critical gaps: regulated issuance (Licuido) and transfer agency infrastructure (Zilo). By enabling tokenized funds to be used as collateral, Ripple tackles the problem of idle assets, potentially unlocking new liquidity streams for institutional investors. The FCA’s regulatory stamp on Licuido also provides a template for future tokenization projects in other jurisdictions.
Broader Impact
These investments strengthen XRPL’s competitiveness against Ethereum in the tokenization race. FCA-regulated processes could set a precedent for compliant tokenization frameworks globally. As Ripple expands its footprint with RLUSD and Ripple Mint, the combination of regulated partners and native stablecoin infrastructure may attract more asset managers seeking tokenization solutions.
What to Watch Next
- Look for additional asset managers to follow Aviva’s lead in launching tokenized funds on XRPL.
- Monitor XRPL’s RWA growth rate compared to Ethereum to gauge market share shifts.
- Watch for Ripple Mint adoption metrics and RLUSD usage in collateral mobility scenarios.
This article is for informational purposes only and does not constitute financial advice.
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