Ripple announced strategic investments in ZILO and Licuido on August 3, 2026, expanding its institutional tokenization capabilities on the XRP Ledger (XRPL). The investments add regulated transfer agency, issuance, and collateral mobility features to Ripple’s infrastructure, building on existing partnerships between the companies and addressing long-standing inefficiencies in traditional capital markets.
- ZILO Focus: Transfer agency and fund administration technology for tokenized share classes
- Licuido Focus: Issuance, distribution, and trading platform for digital asset liquidity
- XRPL Track Record: Over four billion transactions processed since 2012; supports seven million active wallets
- Settlement Method: Atomic settlement using Ripple’s RLUSD stablecoin for delivery-versus-payment transactions
Current capital markets infrastructure requires collateral to sit idle, prolongs settlement timelines, and limits secure collateral mobility. Ripple’s platform combines issuance, custody, collateral utility, multi-currency investment capabilities, and atomic settlement to streamline these processes. Tokenized assets can serve as collateral immediately upon issuance, and trades settle directly on the public XRPL blockchain, which operates without energy-intensive mining and maintains low, predictable fees.
ZILO provides digital record-keeping for asset managers, custodians, and transfer agents managing tokenized share classes moving onchain. Licuido manages issuance, distribution, and execution of digital assets, enabling them to function as collateral through onchain atomic settlement. Together, the investments support Ripple’s broader effort to bring traditional financial assets to the XRPL, complementing earlier collaborations with Aviva Investors, Franklin Templeton, and DBS on tokenized fund structures.
The XRPL is maintained by 120 independent validators and has processed transactions across more than seven million active wallets since its 2012 inception. Ripple is a blockchain-based enterprise solutions provider serving traditional and digital finance sectors.
