The next phase of tokenization might be closer than people think. Ripple has proposed a lending protocol on the $XRP Ledger that would allow institutions to borrow against tokenized assets instead of selling them. If adopted, it could unlock new liquidity while keeping real-world assets on-chain. The race isn't just about tokenizing assets anymore it's about making them truly useful. Could this be the missing piece for institutional DeFi? #XRP #Ripple