Ripple Backs Two Firms to Build On-Chain Lending and Collateral Infrastructure on XRPL

Ripple has made two strategic investments in firms set to build regulated capital markets infrastructure directly on the XRP Ledger. The companies are focused on bringing transfer agency issuance and collateral mobility to the network, functions that have not previously been available in a regulated on-chain form for XRP holders.

The practical effect of these buildouts would be the ability to use XRP as collateral for lending and borrowing activity, a capability that multiple observers note has been absent from the XRPL ecosystem until now. The timeline given for these services coming online is the second half of 2026.

This infrastructure push arrives alongside a separate development in which Aviva Investors, a large institutional asset manager, has moved to tokenize a US dollar liquidity product on the XRP Ledger. Together, these moves point toward a coordinated effort to establish XRPL as a venue for institutional-grade on-chain capital markets.

The combination of regulated issuance infrastructure, collateral mobility tooling, and institutional tokenization activity represents a meaningful expansion of the use cases available on the ledger beyond simple payments and settlement.