- Ripple CTO David Schwartz has confirmed that the XRP Ledger is now ready to support large-scale tokenization of real-world assets like real estate, commodities, and treasury bills.
- With growing institutional interest and XRPL’s low-cost, fast-settlement infrastructure, the platform is positioned to play a central role in the future of digital asset management.
Ripple’s Chief Technology Officer, David Schwartz, has confirmed that the XRP Ledger (XRPL) is now fully equipped to support the large-scale tokenization of real-world assets. In a statement shared by XRP advocate Edo Farina on X, Schwartz declared that XRPL is entering a powerful new operational phase, signaling a surge in implementation and institutional interest.
🚨 Ripple's CTO, David Schwartz, has made a bold statement about the future of the XRP Ledger (XRPL) in the world of real-world asset (RWA) tokenization. This could be a game-changer for the crypto space and traditional finance alike. Let's break it down. 🧵 #XRPL #Ripple
— Power Finanzas 🇪🇸 (@powerfinanzas) June 28, 2025
Schwartz highlighted the growing demand for asset tokenization—digitally representing assets such as real estate, stocks, gold, silver, platinum, steel, and even U.S. Treasury bills on the blockchain. He emphasized that the XRPL was specifically built to address the inefficiencies of traditional finance, especially in back-office operations that still rely heavily on paperwork and manual processes.
Tokenization to Fix Legacy Inefficiencies
The Ripple CTO pointed to common issues in the current financial system, such as delays in property ownership transfers, excessive paperwork, and the lack of real-time asset verification. With the XRPL, these bottlenecks could be eliminated by providing instant proof of ownership, tamper-proof records, and faster processing for assets used as collateral.
For example, lenders can now confirm whether an asset pledged as collateral has been duplicated or misrepresented in another location—a task that has historically been slow and manual. Schwartz emphasized that XRPL brings transparency, speed, and security to these operations.
Institutional Confidence Growing
Schwartz also spotlighted OpenEden’s launch of tokenized U.S. Treasury bills on the XRP Ledger as a key indicator that asset tokenization is already gaining traction. He noted that the XRPL’s low fees, instant settlement, and decentralized trading infrastructure are crucial advantages that will support the trading of a wide variety of real-world assets.
Importantly, Schwartz mentioned that major financial institutions, including JPMorgan and Bank of America, are actively exploring tokenized asset strategies. The XRP Ledger’s capabilities align with this shift, placing it at the center of the institutional adoption curve.
Building a Full Financial Ecosystem
According to Schwartz, the vision for XRPL is to become a complete financial ecosystem, integrating stablecoins, loans, and tokenized assets—powered by XRP as the utility token. He described XRPL as “blockchain plumbing” designed to meet the compliance and operational needs of institutions.
While XRP’s price remains speculative, analysts agree that its future value will depend heavily on real-world utility and effective integration into the financial system.
With regulatory clarity improving and institutions showing stronger interest, the XRP Ledger is now strategically positioned to play a central role in the global tokenization wave. As confirmed by Ripple’s CTO, the XRPL is no longer just a payment solution—it’s an emerging infrastructure layer for billions in tokenized assets, setting the stage for the next era in digital finance.