XRP’s Role in Tokenizing Finance: Ripple’s Next Plan

The global financial system is changing, and Ripple is making sure it’s not left behind. With the rise of blockchain and tokenization, XRP is now taking center stage in the conversation around tokenizing finance. 

Recent comments from top banking executives suggest that Ripple and its native asset, XRP, could soon be handling trillions of dollars in value as they help reshape the future of financial infrastructure. Read on to find out more about XRP’s role in tokenizing finance!

Ripple and XRP

Ripple has long positioned itself as more than just another blockchain company. From the beginning, it aimed to solve real-world problems, specifically, cross-border payments. 

But now, Ripple is going further. Its tech is being recognized not just for facilitating fast transactions, but for tokenizing real-world assets and providing the foundation for a new financial layer.

At the heart of this movement is XRP, an increasingly important player in Ripple’s ecosystem. While XRP remains the token used for transactions, XRP is often viewed in communities as a broader representation of Ripple’s purpose: bridging TradFi with DeFi.

Read Also: How to Buy XRP (XRP): A Step-by-Step Guide for 2025

XRP and Tokenizing Finance 

Here’s why XRP and tokenizing finance matters now:

1. Unlocking a $196 Trillion Opportunity

According to blockchain analyst KingXRP, Ripple’s XRP Ledger (XRPL) is gearing up to unlock a massive $196 trillion market through what’s being called “RealFi”, real-world finance on blockchain. 

This isn’t just speculative hype. It’s backed by interviews with key financial leaders like Teucrium CEO Sal Gilbertie, who claimed Ripple will eventually move trillions and tokenize the entire financial system.

2. Real Infrastructure, Real Strategy

Ripple’s recent acquisition of a broker-dealer clearing firm is a big move that shows how serious they are. This isn’t just about partnerships for headlines, it’s about building the backend that connects blockchain to traditional financial markets. 

This infrastructure play could make it possible to bring tokenized assets, like real estate, securities, and commodities, onto the XRPL in a regulated, scalable way.

3. XRP as the Settlement Layer

In Gilbertie’s view, XRP isn’t just a coin, it’s a settlement layer that could underpin the future of finance. While it’s often traded like any other crypto asset, XRP’s true potential lies in powering high-speed, borderless financial transfers. 

It could eventually be used to move value across nations, industries, and asset classes, an essential part of tokenizing finance at a global scale.

Read Also: Will XRP Replace the Dollar as the Global Reserve Currency?

XRP Integration with Banking

Ripple’s Chief Technology Officer, David Schwartz, recently spoke about the company's shift in strategy when it comes to banking. 

While initial partnerships with banks looked great in press releases, he admitted that real integration has been slow due to internal red tape and conservative attitudes within these institutions.

However, the momentum is finally building. Ripple Bank is set to run entirely on the XRP Ledger, using XRP as its core settlement asset. This means that instead of just testing blockchain tech, banks are starting to use it as the foundation of their future systems.

Read Also: Why XRP Is Soaring: Ripple's Expansion & ETF Optimism

Conclusion

Ripple’s vision for XRPP and the tokenization of finance is no longer a distant dream. With strategic infrastructure acquisitions, increasing institutional interest, and a growing role in the global financial narrative, Ripple is laying the groundwork for a major transformation.

Whether or not XRP ends up moving trillions, what’s clear is that Ripple is helping define what the future of money looks like. The lines between traditional and decentralized finance are starting to blur, and Ripple is building the bridge.

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FAQ

What is XRPP?

XRPP refers to Ripple’s expanding ecosystem and vision around the XRP Ledger and its role in tokenizing finance. While not a technical token itself, XRPP is often used to represent the movement behind Ripple's broader financial transformation.

What does "tokenizing finance" mean?

Tokenizing finance involves converting real-world assets, like stocks, property, or currencies, into digital tokens on a blockchain. This process allows for faster, more transparent, and more efficient transactions across global markets.

How is Ripple involved in tokenizing finance?

Ripple is building infrastructure, including acquiring broker-dealer licenses, to help tokenize financial assets. The XRP Ledger (XRPL) is central to this effort, providing a scalable and secure platform for these transactions.

Are banks using XRP?

Yes, Ripple has announced that Ripple Bank will operate entirely on the XRPL, and some banks are slowly integrating XRP into their systems. Though adoption is still cautious, momentum is building.

Can XRP really move trillions of dollars?

According to analysts and executives like Sal Gilbertie, XRP has the potential to move trillions in tokenized value, especially as the financial system evolves toward blockchain-based infrastructure.