Ripple 2026: ZILO, Licuido Bet to Power XRPL Fund Market

By Edited By Ammar Raza,
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Ripple invested in ZILO and Licuido to fix idle tokenized funds on XRP Ledger. ZILO provides regulated transfer agency records, Licuido enables collateral mobility for repo borrowing, and RLUSD handles cash settlement, already powering the live Aviva Investors fund structure.

What to Know

  • Invested in ZILO (transfer agency) and Licuido (collateral mobility) with RLUSD for settlement on XRPL.
  • Lets funds be pledged as repo collateral, not sold.
  • Already used for Aviva's tokenized fund live on XRPL since July 2026.
Ripple

Ripple is focusing on an untapped section of tokenized funds. Through equity investments in ZILO and Licuido which are two UK infrastructure firms, the company is bridging the issuance of fund shares based on XRP Ledger to their usage in the capital market by making RLUSD as the cash leg.

Funded Tokenization Gap Closing

What ZILO and Licuido do Tokenized funds are often being created and then kept in storage without much activity. ZILO is a company providing transfer agency software that keeps a record of legally owned shares, handles subscription and redemption, and changes the fund rules and share classes into smart contract logic.

Licuido, an FCA-regulated platform, manages the issuance and collateral mobility, thereby allowing institutions to put their fund shares into repo borrowing without having to sell them during margin tightening.

Also Read: XRP Ledger v3.3.0 Upgrade Gains Ripple Support for Bundled Fixes

Institutional RWA and its Importance

The agreement simply confirms the work already done. Aviva Investors USD Liquidity Fund was launched on XRPL back on July 29, 2026 by Licuido and it was a tokenized fund that was the first public blockchain-backed fund licensed by the Central Bank of Ireland.

Ripple Supports x402 for AI-Driven Transactions

Source: Ripple

Portfolio holding was assigned to BNY Mellon, Komainu as the custodian. Settlement is just 3 to 5 seconds. DefiLlama reckons tokenized treasuries are over $8.5 billion yet collateral utilization remains under 5%, the bottleneck that Ripple is targeting in its solution.

Also Read: White House Crypto Meeting Planned as CLARITY Odds Hit 21%

What’s In Store for XRPL

The offering is one-stop for asset managers custodians exchanges and regulators: ZILO for regulation, Licuido for movement, RLUSD for payment. XRP demand is not a direct result of these.

Ripple RLUSD

The outcome heavily depends on fund usage, legal authorizations and the amount of RLUSD settlement. Ripple is taking the bet that tokenization value is not in creating assets but in allowing the use of assets in regulated financing.

Also Read: Crypto Whale Wallet Loses $25.6M in Another Major Phishing Attack

Ananthyka J

Ananthyka J

Ananthyka J is a market reporter at Tronweekly, reporting on cryptocurrency news. She covers cryptocurrency markets, blockchain technology, and digital asset regulation, focusing on Bitcoin, Ethereum, DeFi, altcoins, and crypto policy. Her reporting emphasizes clear and accurate market coverage, including crypto market movements, regulatory developments, and blockchain adoption. She holds a BA in Journalism and Mass Communication and an MA in Communication and Media Studies. She has also completed multiple media internships, follows strict editorial and fact-checking standards, and discloses potential conflicts of interest when reporting.

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