From Asia to the US, XRP is gradually becoming a yield-generating digital asset for organizations.

XRP is increasing its appeal to organizations as new yield-generating models and tokenization initiatives are gradually taking shape in Asia, positioning the XRP Ledger (XRPL) as a suitable infrastructure for compliant enterprise finance and expanding XRP’s role as a digital asset capable of creating real economic value.

On December 17th, SBI Ripple Asia, a digital payment company based in Tokyo, announced the signing of a (MoU) with Doppler Finance to jointly research yield infrastructure based on XRP and real-world asset (RWA) tokenization applications on XRPL. The agreement focuses on developing transparent, compliant yield products aimed at institutional users of the XRP Ledger.

According to the announcement, this is the first collaboration between SBI Ripple Asia and a native protocol on XRPL, marking a new step in building institutional-grade financial products within this ecosystem. Both parties stated that the goal is to promote the adoption of legally compliant, well-regulated yield products with scalability for enterprise needs.

As part of the initiative, SBI Digital Markets, a subsidiary of SBI Group licensed by the Monetary Authority of Singapore (MAS), will serve as the custodian. This separate and independent custody model aims to protect customer assets from exchange-related risks, while strengthening institutional operational standards, emphasizing compliance, asset safety, and system resilience as yield products based on XRP approach broader public markets.

Alongside these developments in Asia, XRP is also being approached by financial institutions in the US through structured yield models. Recently, Digital Wealth Partners (DWP), an investment advisory firm registered as a (RIA) specializing in digital assets, launched an algorithmic trading strategy for large XRP holders. This strategy is implemented through a managed account structure (SMA), with assets held at Anchorage Digital – a custodian managed and insured in the US – and can operate within tax-advantaged retirement accounts such as IRAs. This rule-based, quantitative signal trading model allows XRP to be used as an income-generating and compound growth asset over time, rather than just a passive hold.

The combination of initiatives in Asia and the US demonstrates that XRP is gradually expanding its role beyond simple value transfer. With the participation of major financial institutions, tightly managed custody infrastructure, and models for yield generation and real asset tokenization, XRP is increasingly positioned as a “productive” digital asset aligned with enterprise finance needs and large-scale institutional investors.

Thach Sanh