# Ripple Invests in ZILO and Licuido to Expand XRP Ledger

**Published:** 2026-08-30T09:21:49.965Z  
**Topic:** Ripple Xrp  
**Sentiment:** neutral  
**Publisher:** TrendWatcher — https://www.trendwatcher.in/article/2bdecba6-cdca-4448-85c8-50e8ce8ac800

Ripple has invested in ZILO and Licuido to scale XRP Ledger infrastructure. Despite $3 trillion in annual trade volume, XRP price remains decoupled.

Ripple has acquired strategic stakes in British firms ZILO and Licuido to integrate regulated record-keeping and collateral management tools directly into the XRP Ledger [1]. While these additions bolster the ledger's institutional utility, XRP’s price remains down 42% this year at $1.07, highlighting a persistent gap between the network's growing infrastructure and the token's market performance [1].

| At a glance | |
|---|---|
| XRP Price | $1.07 |
| Year-to-Date Change | -42% |
| Primary Catalyst | Strategic investment in ZILO and Licuido |
| Network Fee | 0.00001 XRP |

## Infrastructure expansion vs. token demand
The investments aim to solve the "trust" barrier for institutional adoption by providing regulated transfer agency services and collateral pledging capabilities [1]. ZILO provides cloud-based software for share registration, while Licuido enables institutions to pledge tokenized fund shares as collateral rather than liquidating them during market volatility [1]. These tools were recently utilized in the launch of an Aviva Investors tokenized share class on the XRP Ledger, the first such fund cleared by the Central Bank of Ireland on a public blockchain [1].

Despite these technical milestones, the integration does not currently drive direct demand for XRP. Ripple’s institutional projects, including the Ripple Prime brokerage that clears over $3 trillion in annual trades, primarily utilize stablecoins like RLUSD for settlement or operate within traditional fiat frameworks [1, 2]. XRP’s role is currently limited to network fees—which are burned upon payment—and its potential use as collateral within the Ripple Prime ecosystem [1, 2].

## Institutional integration and the XRP price
Ripple Prime’s deeper integration into Wall Street, including its listing in the NSCC participant directory and participation in the DTCC tokenization working group, has not translated into increased XRP settlement volume [2]. Analysts have noted that these systems operate largely within existing financial machinery rather than on the XRP Ledger itself [2]. Furthermore, upcoming network upgrades, such as the "Sponsored Fees and Reserves" amendment in the v3.3.0 release, may further reduce the necessity for individual users to hold significant amounts of XRP to interact with the ledger [1].

## What to watch
*   **Settlement shifts:** Monitor whether future institutional fund trades move from fiat or stablecoin settlement to direct XRP settlement.
*   **XRPL v3.3.0 deployment:** Watch for the implementation of the "Sponsored Fees and Reserves" amendment, which could alter the token's utility regarding account reserves.
*   **Collateral adoption:** Track whether institutions begin utilizing XRP as collateral within the Ripple Prime brokerage, as this remains one of the few identified pathways for the token to capture value from the $3 trillion in annual trade volume [2].

The core question for the market remains whether the XRP Ledger can successfully transition from a backend infrastructure provider for traditional finance to a network where the native token serves as a primary asset for settlement and collateral. Until that transition occurs, the ledger's growth may continue to decouple from the token's price.

## Sources
1. 24/7 Wall St — [Ripple Invests in ZILO and Licuido to Expand XRP Ledger Infrastructure](https://247wallst.com/investing/cryptocurrency/2026/08/03/ripple-invests-in-zilo-and-licuido-to-expand-xrp-ledger-infrastructure/)
2. 24/7 Wall St — [Ripple Wants to Move a $3 Trillion Business Onto the XRP Ledger. What Would That Do to the XRP Price?](https://247wallst.com/investing/cryptocurrency/2026/07/03/ripple-wants-to-move-a-3-trillion-business-onto-the-xrp-ledger-what-would-that-do-to-the-xrp-price/)

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Cite as: TrendWatcher, "Ripple Invests in ZILO and Licuido to Expand XRP Ledger", https://www.trendwatcher.in/article/2bdecba6-cdca-4448-85c8-50e8ce8ac800