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<p>Ripple has made strategic investments in two UK-based fintech firms, ZILO and Licuido, as it pushes deeper into institutional capital markets on the <a href="https://x.com/search?q=%24XRP&amp;src=cashtag_click" rel="noopener noreferrer nofollow">$XRP</a> Ledger. The investments were announced on August 3, adding the two United Kingdom-based firms to Ripple's digital capital markets strategy on the XRP Ledger.</p>
<h2 id="what-zilo-and-licuido-bring-to-xrpl">What ZILO and Licuido Bring to XRPL</h2>
<p>The two firms address distinct but complementary gaps in the institutional tokenization stack. <cite>ZILO is a UK-based, AI-driven technology company specialising in global asset and wealth management software</cite>, and <cite>it provides regulated transfer agency and fund administration technology, giving asset managers and custodians the compliant ownership records and operational infrastructure required to support tokenized funds at institutional scale.</cite><cite>The platform tracks legal ownership in real time as assets change hands, enabling institutions to extend the use of digital assets into collateral, margin, repo, and treasury workflows.</cite></p>
<p>Licuido, which already supplied the tokenization infrastructure for Aviva Investors' recently launched USD Liquidity Fund on XRPL, covers the distribution and trading side. <cite>Its platform handles token issuance, distribution and secondary trading, with tokenized fund units designed for use as collateral.</cite><cite>Licuido Markets Limited is an appointed representative of Sapeno Partners LLP, which the Financial Conduct Authority authorizes and regulates.</cite></p>
<h2 id="rlusd-as-the-settlement-layer">RLUSD as the Settlement Layer</h2>
<p><cite>RLUSD, Ripple's U.S. dollar-backed stablecoin, acts as the regulated settlement asset for delivery-versus-payment transactions, enabling tokenized assets to be used as collateral immediately while reducing counterparty risk through simultaneous settlement.</cite> In that model, the tokenized asset and payment settle together on XRPL rather than moving through separate systems at different times.</p>
<p>The investments follow a broader institutional momentum on the ledger. <cite>Ripple and Aviva Investors went live on July 29, 2026, with a tokenized share class of the Aviva Investors USD Liquidity Fund on the XRP Ledger, the first tokenized fund structure approved by the Central Bank of Ireland on a public blockchain.</cite> Ripple has framed tokenization as only the starting point, with <cite>its institutional platform combining token issuance, secure custody, collateral management, multi-currency investment capabilities, and atomic settlement.</cite></p>
<p><cite>Ripple disclosed no investment amounts, leaving financial terms and resulting ownership stakes unknown to investors.</cite></p>
<p><b>Sources:</b><br><a href="https://crypto.news/ripple-invests-in-2-firms-to-scale-xrpl-tokenization/" rel="noopener noreferrer nofollow">Ripple invests in 2 firms to scale XRPL tokenization – crypto.news</a><br><a href="https://www.finextra.com/pressarticle/110545/zilo-ships-digital-transfer-agency-platform-agrees-deal-with-ripple" rel="noopener noreferrer nofollow">Zilo ships digital transfer agency platform, agrees deal with Ripple – Finextra</a><br><a href="https://coinpaper.com/33815/ripple-positions-xrp-ledger-as-the-backbone-of-next-generation-capital-markets-through-strategic-zilo-liquido-investments" rel="noopener noreferrer nofollow">Ripple positions XRP Ledger as backbone of next-generation capital markets – CoinPaper</a></p>

Ripple Backs ZILO And Licuido To Scale XRPL Tokenization

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