Ripple, the company behind the XRP token, announced a partnership with Aviva Investors—the global asset-management arm of UK insurer Aviva. The collaboration aims to tokenize traditional funds on the XRP Ledger (XRPL). It marks Ripple’s first alliance with a European investment manager and could signal growing institutional adoption.
Where traditional finance meets blockchain
The agreement envisions issuing and managing tokenized funds on the XRP Ledger. Tokenization means real-world assets are represented by digital tokens on a blockchain. For Aviva Investors, this marks the first step toward integrating on-chain fund structures into its product lineup. The alliance is designed for the long term, with both parties planning to work together at least through the end of 2026.
Ripple highlights the XRPL’s strengths—fast, low-cost, and secure transactions. These characteristics are positioned to appeal to financial institutions operating in regulated markets.
Technical upgrade broadens capabilities
Coinciding with the push into the institutional space, the XRP Ledger received a technical upgrade. On February 12, 2026, the XLS-85 update went live, significantly expanding the native Escrow feature.
Previously limited to XRP, the Escrow functionality now extends to all tokens issued on the ledger, including stablecoins and digital representations of real assets. These can be integrated into programmable, conditional payments. The change could be especially relevant for corporate transactions, enabling automated and more secure settlement processes.
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Network activity rises in tandem with Community Day
The announcements came during XRP Community Day 2026, a virtual conference held on February 11–12, 2026. Developers and executives discussed institutional use cases, regulated financial products, and tools for builders.
On-chain data indicate a pickup in network activity: the number of active addresses on the XRP Ledger more than doubled early in the week, rising from about 17,000 to over 32,700. Several large transfers between wallets were also recorded.
Price under pressure despite positive signals
Even with a partnership and technological progress, XRP’s price faced headwinds. In the previous 30 days, the token declined by more than 36 percent and is currently trading at $1.38, well below its 52-week high of $3.56.
Analysts point to a tension between rising institutional demand and a weak technical market structure. Worsening risk sentiment across the broader crypto market also weighs on XRP. The longer-term effects of institutional adoption and the expanded network capabilities remain to be seen, while near-term dynamics are still being driven by overall market trends.
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