Ripple entered up-to-date institutional partnership which aims to convert conventional fund structures into digital tokens listed and managed on the XRP ledger. This initiative represents a physical step towards moving the financial sector towards a blockchain-based funds infrastructure where the creation, distribution and settlement of assets can operate with greater speed, lower costs and greater operational transparency.
Ripple is powering the tokenization of institutional funds via Aviva investors
In a post shared on X on February 11, 2026, Ripple announced its partnership with Aviva Investors to develop tokenized versions of time-honored funds, immediately positioning the collaboration as a strategic move towards blockchain-enabled asset infrastructure.
At its core lies cooperation is based on transforming fund units into digital tokens capable of running on blockchain infrastructure instead of legacy administrative systems, thereby restructuring the way issuance, ownership and transfers are handled. The transaction also marks Ripple’s first partnership with a European investment manager, extending its cooperation trace of institutional tokenization to a up-to-date geographic market.
This is the first project for Aviva Investors a formal step towards tokenized financewhich is consistent with its broader goal of integrating up-to-date technologies into established investment frameworks. Rather than launching isolated experimental vehicles, the company intends to embed blockchain-based structures directly into its existing product offering, ensuring continuity with its current offering while enabling operational efficiency.
The partnership was also highlighted at XRP Community Day, where Ripple’s Markus Infanger and Aviva Investors’ Alastair Sewell presented how institutional assets gradually move on-chain and what fully operational tokenized fund structures might look like in real production environments.
Why the XRP ledger is critical to the initiative
According to Ripple’s official statement, tokenized funds will be issued and managed on the XRP ledgerRipple’s decentralized public blockchain created for financial transactions. Speed and cost effectiveness are the main advantages of this solution. Transactions on XRPL settles quickly and has low feeswhich can reduce the administrative burden associated with subscriptions, redemptions and transfers in time-honored funds. Because the network does not rely on mining, it also uses less energy – an operational factor that is essential for enormous financial companies pursuing sustainability goals.
Compliance tools are built into the book design. Institutions can implement controls tailored to regulated markets, including permitted access and asset tracking. This functionality is indispensable for asset managers operating under strict regulatory supervision.
The network’s operating history adds another layer of institutional comfort. Since its launch in 2012, XRPL has been processed over 4 billion transactionssupports over 7 million dynamic wallets and operates a validator network of over 120 independent operators. This scale shows production readiness, not infrastructure risk at an early stage.
Moreover, Ripple is expanding into deposit services, payments and asset issuance, and this collaboration strengthens its position in the fund tokenization segment. This initiative combines Aviva Investors’ asset management capabilities with XRPL’s settlement infrastructure transfers tokenized funds closer to mainstream financial distribution – combining time-honored investment products with blockchain execution layers.
Featured image from Getty Images, chart from Tradingview.com
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