Ripple has announced strategic investments in two companies: ZILO and Licuido. The move adds regulated transfer agency, issuance, and collateral mobility capabilities to Ripple’s existing infrastructure on the XRP Ledger.
These are not surface-level additions. They address fundamental inefficiencies that have long existed in global capital markets.
Collateral often sits idle. Settlement takes too long, and liquidity remains locked. Ripple’s infrastructure targets each of these problems directly.
Deepening our push into capital markets, we are investing in ZILO and Licuido to add regulated transfer agency, issuance and collateral mobility to our capital markets infrastructure built on the XRPL. This comes on the heels of Aviva Investors tokenising its US Dollar Liquidity…
— Ripple (@Ripple) August 3, 2026
What ZILO and Licuido Do
ZILO specializes in global transfer agency asset technology for asset managers and wealth firms. Its platform provides digital record-keeping that supports tokenized share classes as funds move onchain. This gives institutions the regulated infrastructure they need to run lending and collateral markets with confidence.
Licuido operates as a tokenization solution and FCA-regulated trading platform for digital ownership and asset liquidity. It manages the issuance, distribution, and execution of financial assets so they can move freely as digital collateral through onchain atomic settlement.
Together, these two companies fill critical gaps in what Ripple has been building toward: a single, consistent operating model for institutional investors and issuers, available at any time.
More Activity for XRP
Ripple’s infrastructure uses RLUSD as the regulated cash leg for delivery-versus-payment transactions. Tokenized funds can serve as collateral from the point of issuance. Trades settle atomically on the XRPL. Every piece of this structure depends on the XRP Ledger functioning as the settlement layer. Greater institutional adoption of this infrastructure increases activity on the XRPL directly.
Nigel Khakoo, SVP of Trading and Markets at Ripple, stated that ZILO and Licuido provide “regulated digital transfer agency infrastructure and liquidity for issuance and collateral mobility.” He also noted that partnerships with Aviva Investors, Franklin Templeton, and DBS demonstrate how asset managers are deploying tokenized fund structures at scale.
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Aviva Investors recently tokenized its US Dollar Liquidity Fund on the XRPL. Ripple announced a collaboration with Aviva Investors earlier this year to tokenize traditional fund structures, with ZILO and Licuido both playing roles in building out regulated issuance, distribution, and custody for those assets.
Institutional Momentum Is Building
Phil Goffin, Founder and CEO at ZILO, said Ripple’s investment “enables us to accelerate that work by bringing digital market utility and efficiency directly into our platform.” Brian Lynch, CEO and Co-Founder at Licuido, described the backing as helping to scale infrastructure and a collateral marketplace on the XRPL, helping institutions turn idle balance sheet assets into usable liquidity.
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 advised to conduct thorough 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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