Ripple has recently announced a strategic partnership with Aviva Investors to tokenize fund structures utilizing the XRP Ledger (XRPL). This collaboration is poised to enhance Ripple’s engagement with institutional capital, leveraging the expertise of Aviva Investors, which manages a substantial $345 billion in assets.
The partnership, which is set to extend throughout 2026 and beyond, aims to innovate and develop tokenization solutions tailored for traditional financial fund structures. Ripple emphasizes that this initiative is part of its broader vision to integrate traditional financial assets into its decentralized and open-source blockchain, the XRP Ledger.
According to the February 11 press release, this partnership marks a pioneering endeavor for both Ripple and Aviva Investors, aligning with the latter’s goal to incorporate tokenized solutions within their product offerings. Through the XRPL, Aviva Investors intends to issue and manage tokenized funds, taking advantage of the blockchain’s reputation for facilitating fast, secure, and low-cost transactions. Additionally, the absence of mining activities on the XRP Ledger promotes energy efficiency in transaction settlements, which was described as a considerable advantage.
The XRPL network is also noted for its compliance capabilities, enabling institutional operations within a regulated framework. Jill Barber, Chief Distribution Officer at Aviva Investors, highlighted the myriad benefits of tokenization in the investment landscape, emphasizing improvements in time and cost efficiency. She affirmed the firm’s dedication to leveraging technological advancements to enhance its operational capabilities, emphasizing that tokenization will significantly benefit their clientele.
Nigel Khakoo, Vice President of Trading and Markets at Ripple, remarked on the evolution of tokenization from experimental phases to large-scale implementation. He pointed out that institutions like Aviva Investors are increasingly focused on deploying regulated financial assets at scale. Khakoo anticipates that tokenized fund structures will deliver substantial technological improvements to the investment sector over the coming decade.
In addition to the partnership with Aviva Investors, Ripple’s involvement in the tokenization space is expanding internationally. For instance, Ripple is collaborating with auction house Billiton Diamond and UK-based tokenization service provider Ctrl Alt to tokenize approximately $280 million worth of diamonds. This initiative will utilize Ripple’s infrastructure to enable the transfer of physical commodities on-chain, further showcasing the capabilities of Ripple technology in merging the digital economy with physical assets.
As tokenized assets emerge as one of the fastest-growing sectors within the crypto industry, attracting significant institutional interest, the partnership between Ripple and Aviva Investors comes at a pivotal moment. Recent reports indicate that the value of real-world assets on blockchain networks surged by 232% year over year in 2025, demonstrating a robust transition from pilot projects to the tokenization of a variety of financial assets, including Treasuries, corporate bonds, and commodities. The notable growth of stablecoins in this domain is reflected by their market capitalization increase from $216 billion to $306.4 billion, indicating a flourishing interest in blockchain-based investment products.
