Institutions Support XRP Ledger in Pursuit of $30 Trillion Real-World Asset Market

Ripple’s

Ledger (XRPL) is emerging as a leader in the tokenization of real-world assets (RWA), with Chief Technology Officer David Schwartz presenting a forward-looking strategy for the platform at the Apex 2025 summit. Schwartz pointed out that the mass digital transformation of conventional assets—such as real estate, equities, and government bonds—is moving from conceptual discussions to practical deployment. He attributed this evolution to growing institutional interest in blockchain solutions that simplify procedures like title authentication, collateral verification, and international settlements XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase [ 1 ]. The introduction of tokenized U.S. Treasury bills by OpenEden on XRPL in 2024 highlights this momentum, showcasing the ledger’s ability to support significant, real-world financial assets XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase [ 1 ].

The architecture of the XRP Ledger is built to resolve the shortcomings of traditional financial networks. With near-instant transaction completion, minimal costs, and an integrated decentralized exchange (DEX), XRPL provides a robust framework for the tokenization of a wide range of assets. Schwartz noted its effectiveness in expediting real estate deals, where blockchain-based title management reduces fraud and allows for almost immediate transfer of ownership XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase [ 1 ]. The recent addition of an

Virtual Machine (EVM) sidechain has broadened XRPL’s capabilities, making it possible for developers to launch decentralized applications (dApps) and smart contracts. Within just one week of the EVM rollout, nearly 1,400 contracts went live, and the total value locked (TVL) jumped to $120 million Ripple’s Record Achievements With XRP Events In 2025 [ 3 ].

Institutional engagement is fueling XRPL’s expansion, with prominent banks and asset managers investigating tokenization prospects. HSBC’s Chief Digital Officer Zhu Kuang Lee shared the bank’s progress in developing digital asset custody on XRPL, while Guggenheim Treasury Services introduced digital commercial paper (DCP) backed by U.S. Treasuries Apex 2025: A Turning Point for Institutional Adoption on the XRP Ledger [ 2 ]. Ripple’s partnership with Ondo Finance has also made it possible to access tokenized treasuries around the clock through RLUSD, a stablecoin designed for instant settlements Apex 2025: A Turning Point for Institutional Adoption on the XRP Ledger [ 2 ]. These efforts support Ripple’s larger ambition to evolve XRPL into a full-fledged financial ecosystem, encompassing stablecoins, lending platforms, and tokenized assets—all powered by XRP XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase [ 1 ].

The potential of the RWA sector is immense, with Ripple projecting it could hit $30 trillion by 2030 XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase [ 1 ]. To seize this opportunity, Ripple is focusing on regulatory transparency and institutional-grade infrastructure. The conclusion of Ripple’s 2020 SEC case has already unlocked substantial liquidity, with spot XRP ETFs from REX-Osprey and Grayscale bringing institutional funds into the network Ripple’s Record Achievements With XRP Events In 2025 [ 3 ]. Furthermore, the debut of five new stablecoins—USDC, XSGD, EURØP, RLUSD, and USDB—has strengthened XRPL’s status as a global settlement hub Apex 2025: A Turning Point for Institutional Adoption on the XRP Ledger [ 2 ]. These fiat-backed, regulation-compliant stablecoins boost liquidity and make cross-border payments more efficient Apex 2025: A Turning Point for Institutional Adoption on the XRP Ledger [ 2 ].

Looking forward, XRPL’s development plan features enhancements in programmability, such as multi-purpose tokens (MPTs) and permissioned DEX functionalities, which will further broaden its institutional applications Apex 2025: A Turning Point for Institutional Adoption on the XRP Ledger [ 2 ]. Schwartz emphasized that the future of blockchain relies on delivering tangible financial services—like lending, stable investment options, and payment solutions—that meet everyday requirements Ripple CTO Drops Bombshell on XRP Ledger - Times Tabloid [ 4 ]. Although speculative forecasts for XRP’s price remain, analysts highlight that lasting growth will be determined by practical use cases and regulatory advancements XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase [ 1 ]. As institutional projects gain momentum and developer participation increases, the XRP Ledger is evolving from a specialized platform into a core foundation for the tokenized economy XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase [ 1 ].