The year 2025 turned out to be a turning point for global finance, and XRP is increasingly coming to the forefront of this change. Nick from the NCashOfficial channel clearly states in his material on YouTube that the tokenization of real assets has received a clear green light. Importantly, the process is already underway and gradually encompasses more areas of the financial market.
At the same time, it is worth emphasizing that tokenization will not happen suddenly, but develops in stages, changing the foundations of the system.
Tokenization of RWA as the foundation of the new financial system
Nick explains at the beginning of the recording that the year 2025 confirmed an irreversible direction of change. The tokenization of real assets, or RWA, has entered the implementation phase. Stocks, bonds, real estate, and commodities are starting to function on-chain. As a result, trading can occur without interruptions 24/7/365.
Moreover, the current value of tokenized RWA is approximately 19 billion USD. The represented value of these assets reaches around 400 billion USD. Nevertheless, the scale remains very small relative to its potential. Therefore, Nick describes the current stage as extremely early.
In comparison, forecasts for 2030 predict over 10 trillion USD of on-chain assets. This means more than double the current market cap of the entire cryptocurrency market. For this reason, institutional investors are already building positions. At the same time, the development of DeFi and lending protocols creates new opportunities for utilizing these assets.
Green light from financial giants
Next, Nick moves on to specific confirmations from the largest financial players. Jamie Dimon, CEO of JP Morgan, openly admits that tokenization is inevitable. Blockchain is recognized as a real technology of the future. Importantly, the bank has launched a tokenized money market fund on Ethereum.
The fund started operations with a capital of 100 million USD. This is not an experiment but a real financial product. Thanks to this signal, the market received a clear message. Institutions have stopped questioning the sense of tokenization.
Meanwhile, Brian Armstrong from Coinbase emphasizes that tokenization is reinventing finance. According to him, everything that can be tokenized will ultimately end up on-chain. Real-time settlements improve liquidity. Additionally, they reduce bureaucracy and barriers to entry. Coinbase collaborates with BlackRock on ETFs and the tokenization of funds.
Why XRP Ledger is suitable for the tokenization of RWA
In the further part of the recording, Nick addresses the topic of blockchain infrastructure. Ethereum remains a leader in the area of RWA and stablecoins. The network serves as a testing ground for financial institutions. However, as the scale increases, the need for greater efficiency arises.
Therefore, projects are beginning to migrate to other networks. Nick points out examples of Hedera, Algorand, and Stellar. In this context, XRP Ledger stands out with a ready-made set of tools. The network is designed for fast settlements and low costs. Importantly, development is progressing continuously.
Ripple confirms that the tokenization of real assets is one of its main goals. Marcus Infanger emphasizes the constant leveling up of the network. XRP Ledger offers SPV, permissioned DEX, AMM, and lending protocols. This way, the network responds to the needs of institutions.
“XRP Ledger is perfectly suited for the tokenization of RWA. […] The characteristics and functions of the XRP Ledger make it a perfect candidate for the tokenization of real-world assets. Tools such as SPV, permissioned DEX, AMM, lending protocols – all of this makes the network constantly leveling up and absolutely perfect for tokenization. XRP will be present there – it's a different beast.”
This statement clearly shows why XRP is gaining attention from the institutional market.
What does this revolution mean for the market and investors
At this point, many beginners ask the question: is it only about the price of cryptocurrencies? Nick answers unequivocally that it is not. The most important change concerns the flow of value. The entire financial system is transitioning to a digital form.
The next question is: why is Wall Street so heavily involved in blockchain? The answer remains simple. The technology offers efficiency, speed, and global reach. NASDAQ plans to transition to a 24/7 model thanks to digital assets. Swift is developing blockchain-based solutions. The SEC openly discusses moving US markets on-chain.
In the end, a question arises about the future. What will the coming years bring? Nick predicts parabolic growth over the next five years. The growth concerns not only valuations. The scale of tokenized assets remains key. Regulatory clarity is becoming a real turning point.
Therefore, it is worth remembering several key elements of this transformation:
tokenization will encompass all asset classes
trading will be available 24/7/365
efficient networks will attract the largest capital
Ultimately, XRP remains part of this change. The market is just entering a new phase. The future of the financial system looks bright. Nick summarizes this moment as the beginning of a new era.
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