Institutions Back XRP Ledger for $30 Trillion Real-World Asset Market

Ripple’s XRP Ledger (XRPL) is positioning itself at the forefront of real-world asset (RWA) tokenization, with Chief Technology Officer David Schwartz outlining a strategic vision for the platform during the Apex 2025 summit. Schwartz emphasized that the large-scale digitization of traditional assets, including real estate, stocks, and government securities, is transitioning from theoretical exploration to active implementation. This shift, he argued, is driven by institutional demand for blockchain-based solutions that streamline processes like property title verification, collateral checks, and cross-border settlementsXRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase^[1]. OpenEden’s launch of tokenized U.S. Treasury bills on XRPL in 2024 exemplifies this trend, demonstrating the ledger’s capacity to handle high-value, real-world financial instrumentsXRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase^[1].

The XRP Ledger’s architecture is designed to address inefficiencies in legacy financial systems. With sub-second transaction finality, low fees, and a built-in decentralized exchange (DEX), XRPL offers a scalable infrastructure for tokenizing diverse asset classes. Schwartz highlighted its role in accelerating real estate transactions, where blockchain-based title records reduce fraud risk and enable near-instant ownership transfersXRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase^[1]. The platform’s recent integration of an Ethereum Virtual Machine (EVM) sidechain has further expanded its utility, enabling developers to deploy decentralized applications (dApps) and smart contracts. Within a week of the EVM launch, nearly 1,400 contracts were deployed, and total value locked (TVL) surged to $120 millionRipple’s Record Achievements With XRP Events In 2025^[3].

Institutional adoption is a key driver of XRPL’s growth, with major banks and asset managers exploring tokenization opportunities. HSBC’s Chief Digital Officer Zhu Kuang Lee discussed the institution’s efforts to build digital asset custody infrastructure on XRPL, while Guggenheim Treasury Services launched digital commercial paper (DCP) secured by U.S. TreasuriesApex 2025: A Turning Point for Institutional Adoption on the XRP Ledger^[2]. Ripple’s collaboration with Ondo Finance has also enabled 24/7 access to tokenized treasuries via RLUSD, a stablecoin that facilitates real-time settlementsApex 2025: A Turning Point for Institutional Adoption on the XRP Ledger^[2]. These initiatives align with Ripple’s broader goal of transforming XRPL into a comprehensive financial ecosystem, supporting stablecoins, lending markets, and tokenized assets—all anchored by XRPXRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase^[1].

The RWA market’s potential is staggering, with Ripple estimating it could reach $30 trillion by 2030XRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase^[1]. To capitalize on this, the company is prioritizing regulatory clarity and institutional-grade tools. The resolution of Ripple’s 2020 SEC lawsuit has already unlocked significant liquidity, with spot XRP ETFs from REX-Osprey and Grayscale introducing institutional capital to the ecosystemRipple’s Record Achievements With XRP Events In 2025^[3]. Additionally, the launch of five new stablecoins—USDC, XSGD, EURØP, RLUSD, and USDB—has reinforced XRPL’s role as a global settlement platformApex 2025: A Turning Point for Institutional Adoption on the XRP Ledger^[2]. These stablecoins, backed by fiat and compliant with regional regulations, enhance liquidity and cross-border transaction efficiencyApex 2025: A Turning Point for Institutional Adoption on the XRP Ledger^[2].

Looking ahead, XRPL’s roadmap includes advancements in programmability, such as multi-purpose tokens (MPTs) and permissioned DEX features, which will further expand its institutional use casesApex 2025: A Turning Point for Institutional Adoption on the XRP Ledger^[2]. Schwartz underscored that the next phase of blockchain adoption hinges on delivering practical financial tools—loans, stable investments, and payment systems—that address everyday needsRipple CTO Drops Bombshell on XRP Ledger - Times Tabloid^[4]. While speculative price targets for XRP persist, market analysts stress that sustained growth will depend on real-world utility and regulatory progressXRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase^[1]. With institutional projects accelerating and developer activity surging, the XRP Ledger is transitioning from a niche infrastructure to a foundational layer for the tokenized economyXRP Ledger Set for Real-World Asset Boom as Ripple CTO Outlines Next Phase^[1].