- Ripple and Aviva Investors want to tokenize traditional fund structures on the XRP Ledger.
- Both companies justify the step with efficiency and infrastructure arguments.
While the White House continues to struggle over regulatory guidelines for crypto, Ripple can show new progress in Europe. Aviva Investors, the asset manager of the British insurer Aviva plc, wants to tokenize traditional fund structures on the XRP Ledger (XRPL).
tokenize and Aviva Investors shared in a statement on February 11, 2026 designated that they want to examine together how “traditional fund structures” can be brought to the XRPL. According to Ripple, this is the company’s first partnership with a European-based investment manager.
Aviva Investors calls the project a novelty: It is “the first initiative of its kind” with which tokenized components are intended to be incorporated into the existing product range. Both sides speak of long-term cooperation and want to jointly implement tokenized funds on the XRPL “through 2026 and beyond.”
Why Ripple and the XRP Ledger?
In the communication, both focus primarily on the infrastructure: fast, secure and cheap transactions as well as energy efficiency. Ripple also refers to “compliance” functions that are specifically aimed at institutions in regulated markets.
Ripple refers to the size of the network to classify it: Since 2012, over 4 billion transactions have taken place via the XRPL; The company also lists more than 7 million active wallets and 120 independent validators.
On X, Markus Infanger, Senior Vice President at RippleX, wrote:
“A truly significant moment for XRPL: Traditional financial services are now being implemented on the blockchain! Aviva Investors, the global asset management arm of leading British insurer Aviva plc, has announced a partnership with Ripple to tokenize traditional fund structures on the XRPL platform.”
Jill Barber, Chief Distribution Officer at Aviva Investors, highlights the benefits for investors:
“We are very pleased to announce our collaboration with Ripple and we look forward to working closely with the team to explore tokenized solutions,” said Barber. She added:
“We believe tokenization can bring many benefits to investors – including improvements in time and cost efficiency. As the investment arm of the UK’s leading insurer, we have a long history of innovation. We are committed to adopting technological advances that we believe can bring positive change to our business – and we believe tokenized funds can be hugely beneficial for our clients.”
Ripple describes the step as the next leap towards practical use. Nigel Khakoo, VP Trading and Markets at Ripple, said:
“Tokenization is now moving from experimentation to large-scale production. Institutions like Aviva Investors are now focusing on how regulated financial assets can be deployed at scale.”
According to Ripple, tokenized funds could bring noticeable efficiency gains to the investment process – and only really pay off over years. Khakoo cites “built-in compliance tools,” “near-instant settlement,” and “native liquidity” of XRPL as the infrastructure for “the next generation of institutional assets.”
Reece Merrick, senior managing director for the Middle East and Africa at Ripple, designated the cooperation on
As CNF reported, the news comes just days after Ripple received its final license as an Electronic Money Institution (EMI) from the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg.
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