Robinhood Reveals Ripple’s Role in XRP Ledger’s Latest Milestone

Robinhood has publicly acknowledged Ripple’s growing involvement in real-world asset (RWA) tokenization, showing significant activity on the XRP Ledger (XRPL). The announcement appears in a detailed policy-focused document that explains the company’s perspective on blockchain-based asset representation and the growing regulatory landscape surrounding tokenization.

The memo is dated January 2025 but formally submitted to the U.S. Securities and Exchange Commission on February 11. It provides insight into how large financial platforms assess tokenization as an emerging financial infrastructure. 

In this document, Robinhood confirms that Ripple has facilitated the tokenization of hundreds of millions of dollars in assets directly on the XRP Ledger, reinforcing XRPL’s growing relevance in institutional-grade blockchain applications.

Robinhood describes tokenization as the conversion of ownership rights in real-world assets into digital representations recorded on a blockchain. The firm lists out several categories within this space, including stablecoins, tokenized securities, real estate-backed tokens, and non-fungible assets. 

According to Robinhood, blockchain-based tokenization has the potential to modernize settlement processes, reduce reliance on intermediaries, and improve access to traditionally non-liquid markets.

Ripple’s Institutional Footprint

As part of this discussion, the company draws attention to Ripple’s efforts, placing it among established financial institutions actively participating in tokenization initiatives. Ripple’s work on XRPL is presented alongside comparable programs launched by firms such as BlackRock and Goldman Sachs, showing recognition of Ripple’s institutional footprint rather than positioning it as a purely crypto-native actor.

Robinhood’s memo states that Ripple has already enabled the tokenization of assets valued in the hundreds of millions of dollars through the XRP Ledger. These efforts have been carried out in collaboration with firms including Ctrl Alt, Ondo Finance, and Securitize. The inclusion of these partnerships highlights the enterprise-facing use of XRPL rather than speculative or retail-focused deployment.

This acknowledgment places Ripple within a broader trend of financial incumbents exploring blockchain-based asset issuance. BlackRock’s launch of its BUIDL fund in March 2024 and Goldman Sachs’ experiments with tokenized real estate and money market instruments are seen as parallel developments shaping the sector.

Independent data from RWA.xyz indicates that the XRP Ledger currently supports approximately $1.8 billion in tokenized real-world assets when stablecoins are excluded. This ranking places XRPL sixth among blockchains by RWA value. When stablecoins are included, the total value hosted on the network rises to $2.18 billion.

A breakdown of the data shows that commodities account for roughly $1.1 billion of the total. Private credit instruments represent $322.7 million, while tokenized U.S. Treasury debt contributes $180.6 million. Stablecoins collectively add $424 million, with Ripple’s RLUSD comprising $348 million of that figure.

Growth metrics further show XRPL’s recent expansion. Over 30 days, the network recorded a 159% increase in tokenized asset value, outperforming Solana’s 46% growth and Ethereum’s 15.49% increase during the same timeframe. Notably, XRPL surpassed the $1 billion RWA milestone only weeks earlier.

Robinhood also references research from McKinsey & Company, which projects that tokenized funds, excluding cryptocurrencies and stablecoins, could approach $2 trillion in value by 2030. 

This estimate reflects rising institutional confidence in blockchain-based financial infrastructure and supports the view that tokenization is transitioning from experimentation to scaled deployment.

U.S Regulatory Limitations 

Despite these advancements, Robinhood emphasizes that regulatory limitations in the United States continue to restrict progress. The firm notes that existing securities laws often require tokenized assets to adhere to traditional compliance structures, limiting accessibility for retail investors. The absence of a dedicated framework for blockchain-native issuance further hinders adoption.

On the other hand, Robinhood points to faster-moving jurisdictions. The European Union’s Markets in Crypto-Assets regulation, along with initiatives in Hong Kong, Singapore, and Abu Dhabi, demonstrates a more proactive approach to integrating blockchain technologies into financial markets.

The memo released by Robinhood Markets positions Ripple and the XRP Ledger as significant contributors to the growing real-world asset tokenization sector, while also highlighting the regulatory challenges that could shape its trajectory in the coming years.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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