The XRP Ledger (XRPL) is seeing a breakout year in 2025 as the value of tokenized real-world assets (RWAs) on the network has skyrocketed.
According to fresh data released by market analyst Pumpius, the total value of tokenized RWAs on XRPL has surged from $5 million in January to more than $118 million in July, a growth of over 2,260 percent.
This explosive increase highlights XRPL’s expanding role in the tokenization sector and reflects a broader shift in how traditional institutions are beginning to interact with blockchain infrastructure.
XRPL Attracts Institutional Use Amid Rising Demand for Tokenization
The growing use of XRPL for asset tokenization suggests that financial institutions are beginning to recognize the platform’s potential for real-world applications. From tokenized bonds to real estate and commodities, XRPL is being adopted as a settlement layer with XRP serving as the intermediary currency.
This adoption is being driven not only by the platform’s speed and efficiency, but also by its track record of network uptime and low transaction fees, features that remain problematic for many competing blockchains such as Ethereum and Solana.
Pumpius noted on X (formerly Twitter) that “the tokenization era isn’t coming, it’s here,” suggesting that the infrastructure phase of adoption is complete and that XRPL is now entering full-scale institutional use.
Major Financial Players Eye XRPL for Settlement Use
The momentum is further underscored by early examples of major institutions testing or integrating XRPL capabilities. According to multiple sources, traditional financial firms including BNY Mellon have begun holding tokenized stablecoins like RLUSD on behalf of clients.
Tokenization initiatives tied to treasury bonds, ETFs, and institutional-grade assets are also beginning to take shape across the ecosystem. Reports from platforms like RWA.xyz project that the tokenized asset market could grow to $5 trillion by 2030. If just one percent of that volume is routed through XRPL, it would mean over $50 billion settled using XRP.
Such growth could solidify XRP’s transformation from a speculative cryptocurrency into a backbone of blockchain-powered financial infrastructure.
From Crypto Token to Institutional Bridge Currency
Market analysts believe XRP has already started evolving from a retail trading asset into a functional bridge currency for institutional finance. Its unique positioning as a native settlement token for XRPL allows it to facilitate the transfer of value between tokenized networks, acting much like a digital version of a correspondent banking layer.
According to Pumpius and others, this shift has moved XRP away from its reputation as merely a speculative altcoin. “It’s now a neutral liquidity layer enabling real-world value transfer,” he stated.
The model is beginning to resemble the SWIFT network, only faster, cheaper, and natively built for blockchain ecosystems.
Healthcare and Genomic Data Enter the Ledger
In one of the more innovative use cases developing on XRPL, a new initiative called the DNA Protocol is bringing tokenized healthcare and genomic data onto the ledger. This includes identity records and health data that could be worth trillions of dollars globally.
By enabling secure, tokenized representation of such sensitive data, XRPL is opening itself up to an entirely new category of regulated industries. These use cases extend beyond finance into healthcare, biotechnology, and identity verification, sectors that have historically been slow to adopt decentralized systems.
The integration with DNA Protocol also hints at a growing convergence between blockchain and privacy-centric health solutions. The move could accelerate efforts toward monetizing data without compromising ownership or confidentiality.
XRP’s Institutional Future Looks More Real Than Speculative
As XRPL’s volume and credibility among institutions increase, it is becoming clearer that the network is not simply chasing hype cycles. Instead, it is being positioned as a serious option for governments, banks, and global enterprises looking for scalable tokenization platforms.
The current spike in tokenized RWA volume on XRPL is not an isolated event; it signals the early stages of a structural transformation in how value is represented and moved across financial systems. With increasing enterprise-level interest and high-profile integrations underway, XRP and XRPL may play a pivotal role in the infrastructure of tokenized finance.
Outlook: XRPL Among Leaders in the Tokenization Race
While other platforms such as Ethereum, Avalanche, and Polygon are also competing for dominance in the RWA space, XRPL’s simplicity, reliability, and early institutional support give it a unique advantage. As more legacy assets are brought onto public ledgers, the battle to be the preferred platform for global token settlement will only intensify.
