Ripple has announced strategic investments in ZILO and Licuido, two fintech firms specializing in digital asset infrastructure, the company said on August 3, 2026. The investments add regulated transfer agency, issuance, and collateral mobility capabilities to Ripple’s ecosystem on the XRP Ledger (XRPL), extending the blockchain platform’s reach into institutional capital markets. The deals build on existing partnerships between the companies.
- ZILO Focus: Digital transfer agency and fund administration for tokenized share classes
- Licuido Focus: Issuance, distribution, and execution platform for tokenized assets and collateral mobility
- XRPL Scale: Over 4 billion transactions processed since 2012, 7 million active wallets, maintained by 120 validators
- Settlement Asset: RLUSD stablecoin used as regulated cash leg for delivery-versus-payment transactions
Traditional capital markets infrastructure constrains how efficiently institutions can deploy assets. Collateral often sits idle, settlement takes days rather than minutes, and liquidity remains locked in legacy systems. Ripple’s infrastructure combines issuance, custody, collateral utility, multi-currency investment, and atomic settlement to address these inefficiencies.
ZILO’s digital record-keeping supports tokenized share classes while maintaining the regulated documentation asset managers require. Licuido’s platform enables those assets to move freely as collateral through onchain settlement infrastructure on the XRPL.
Tokenization of assets is only the starting point: the real value lies in what can be done with a token, including buying, selling, and settling trades instantly, or using it as collateral to borrow, lend, or post margin.
The investments reflect momentum in institutional tokenization. Ripple previously collaborated with Aviva Investors and Franklin Templeton to tokenize traditional fund structures on the XRPL. The platform’s characteristics, fast settlement, low predictable fees, compliance tools, and the absence of energy-intensive mining, enable asset managers to issue and manage tokenized funds securely at scale.
