Ripple transitions XRP from trade asset to infrastructure for tokenized finance

Ripple is transitioning XRP from a traded asset to an infrastructure component supporting tokenized finance and institutional settlement. At the World Economic Forum 2026, Ripple CEO Brad Garlinghouse highlighted this shift through:

  • Live tokenization activity and regulated bank integration.
  • On-chain settlement at scale using the XRP Ledger.

XRP Tokenization Reality

  • Tokenized asset volume on the XRP Ledger grew from $19 trillion to $33 trillion in one year, indicating institutional commitment.
  • Banks and custodians involve real value movement, integrating tokenized assets into balance sheets and liquidity structures.
  • The XRP Ledger supports high-volume processing, deterministic settlement, and continuous operation, focusing on reliability under financial constraints.
  • XRP is positioned as part of essential financial infrastructure, enabling tokenized finance operations.

Integration of Regulated Assets and On-Chain Liquidity

  • Ripple collaborates with global banks to create regulated pathways between tokenized assets and on-chain liquidity.
  • XRP acts as a settlement and connectivity layer, facilitating interaction between decentralized systems within regulatory frameworks.
  • XRP's utility lies in finality, liquidity access, and interoperability across environments, giving it a structural advantage.

XRP price chart from Tradingview.com

This strategic shift aligns XRP as key infrastructure for the tokenized financial system, beyond its role as a tradeable asset.