Ripple CTO Outlines Strategy for Institutional Finance Growth

The Coin Republic

Release Time: 12/20/2025 21:45:54

XRP

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Summary

Ripple CTO David Schwartz outlined the company’s strategy to grow in institutional finance through tokenized assets, a protocol-level fixed-rate lending system on the XRP Ledger, and stablecoin payments. The plan includes building financial tools like tokenized money market funds and treasuries to improve efficiency. Developers are working on a protocol for fixed-term loans, with each loan isolated in a Single Asset Vault. Ripple is focusing on use cases for payment firms, asset managers, and platforms. Over 500,000 new retail wallets have been created via apps like Xaman, driven by institutional activity. The company expects this trend to continue, possibly boosting adoption in the next one to two years.

Based on CoinRepublic, Ripple CTO David Schwartz detailed the company's strategy to expand its role in global finance through tokenized assets, a planned fixed-rate lending system on the XRP Ledger, and stablecoin payments. The CTO emphasized building practical financial tools for institutional use, including tokenized money market funds and treasuries, to improve efficiency and reduce delays in traditional systems. Developers are also working on a protocol-level lending system designed for fixed-term and fixed-rate loans, with each loan isolated in a Single Asset Vault to manage risk. Ripple aims to support payment firms, asset managers, and financial platforms by focusing on utility-driven development. Over 500,000 new retail wallets have been created via apps like Xaman, driven by institutional activity. The company expects this trend to continue, potentially driving wider adoption in the next one to two years.

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