Ripple invests in ZILO and Licuido to enhance XRP Ledger infrastructure

Ripple has announced investments in two companies, ZILO and Licuido, aimed at building out regulated financial infrastructure on the XRP Ledger. The investments target three specific capabilities: regulated transfer services, asset issuance, and collateral management.

What ZILO and Licuido are building

Neither ZILO nor Licuido have previously been reported in any major crypto or blockchain news outlets prior to this announcement.

The focus areas, regulated transfer, issuance, and collateral services, tell a coherent story. Transfer services handle the movement of tokenized assets in a way that satisfies regulators. Issuance covers the creation of new digital assets on-chain. And collateral services let those assets be used as backing in lending, trading, and other DeFi-adjacent activities.

The XRP Ledger has supported token issuance and transfer functionality since its early days.

Ripple’s broader infrastructure playbook

Ripple has a documented history of strategic investments designed to expand the ledger’s utility and adoption. Ripple’s regulatory focus has included a multi-year legal battle with the SEC.

What this means for investors

No financial terms have been disclosed for either investment. No investment sizes, equity stakes, or specific timelines for product delivery have been made public.

Investors should also consider the competitive landscape. Ethereum, Avalanche, and Polygon have aggressively courted institutional tokenization use cases, competing for the same pool of regulated capital. Ripple’s developer ecosystem remains smaller than its competitors.

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