# DBS, Franklin Templeton, Ripple Partner for Tokenized Funds and Lending ∞ Adoption

**Published:** 2025-09-19
**Categories:** Adoption

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![The image displays a close-up of complex metallic machinery, featuring cylindrical and rectangular components, partially encased by a textured, translucent blue material. The metallic elements exhibit a brushed finish, while the blue substance appears fluid-like with varying opacity, suggesting an internal system](https://incrypthos.com/wp-content/uploads/2025/09/blockchain-computational-protocol-liquid-cooling-decentralized-infrastructure-visualized.jpeg)

![An abstract geometric composition features two luminous, faceted blue crystalline rods intersecting at the center, surrounded by an intricate framework of dark blue and metallic silver blocks. The crystals glow with an internal light, suggesting precision and value, while the structural elements create a sense of depth and interconnectedness, all set against a soft grey background](https://incrypthos.com/wp-content/uploads/2025/09/Digital-Asset-Interoperability-Framework-and-Core-Blockchain-Architecture.jpeg)

## Briefing

The partnership between DBS Bank, Franklin Templeton, and Ripple marks a significant advancement in institutional digital asset adoption, enabling 24/7 trading and lending of [tokenized money market](https://incrypthos.com/adoption/dbs-and-franklin-templeton-launch-tokenized-money-market-fund-solutions/) funds (sgBENJI) and Ripple’s RLUSD stablecoin on the XRP Ledger for accredited investors. This initiative directly addresses the demand for enhanced capital efficiency and liquidity in traditional finance by leveraging blockchain technology, with DBS Digital Exchange facilitating seamless portfolio rebalancing and exploring tokenized collateralization.

![A dynamic, translucent blue material, appearing fluid and reflective, forms a twisted, interwoven structure. Several silver-toned metallic rings secure and delineate segments of this vibrant blue form, set against a soft grey background](https://incrypthos.com/wp-content/uploads/2025/09/Cryptographic-Primitive-Interoperability-Across-Decentralized-Ledger-Mechanisms.jpeg)

## Context

Historically, traditional financial markets have contended with operational inefficiencies such as limited trading hours, delayed settlement cycles, and fragmented liquidity across diverse asset classes. These challenges often constrained capital velocity and introduced unnecessary counterparty risks, particularly for [institutional](https://incrypthos.com/news/institutional/) investors seeking agile portfolio management and real-time asset utilization.

![A detailed, high-resolution rendering showcases a futuristic blue circuit board, featuring a central processing unit with the distinct Ethereum logo. Intricate glowing blue lines represent data pathways connecting various components, symbolizing a complex digital infrastructure](https://incrypthos.com/wp-content/uploads/2025/09/decentralized-ethereum-network-architecture-smart-contract-protocol-integration.jpeg)

## Analysis

This adoption fundamentally alters the operational mechanics of treasury management and institutional investment by introducing a blockchain-native settlement layer. By listing [Franklin Templeton](https://incrypthos.com/adoption/dbs-and-franklin-templeton-launch-tokenized-money-market-fund-solutions/)’s sgBENJI tokenized money market fund alongside Ripple’s RLUSD stablecoin on the DBS Digital Exchange, the initiative creates a direct, instantaneous exchange mechanism. This system allows institutional clients to rebalance portfolios between a yield-generating asset and a stablecoin 24/7, mitigating volatility and optimizing capital deployment. The future integration of sgBENJI as collateral for credit further enhances capital efficiency, transforming illiquid assets into dynamic financial instruments and establishing a new paradigm for on-chain value creation within the financial industry.

![A white and metallic technological component, partially submerged in dark water, is visibly covered in a layer of frost and ice. From a central aperture within the device, a luminous blue liquid, interspersed with bubbles and crystalline fragments, erupts dynamically](https://incrypthos.com/wp-content/uploads/2025/09/computational-expenditure-dynamic-liquid-cooling-protocol-activation.jpeg)

## Parameters

- **Participating Institutions** ∞ DBS Bank, Franklin Templeton, Ripple

- **Blockchain Protocol** ∞ [XRP Ledger](https://incrypthos.com/news/xrp-ledger/) (XRPL)

- **Tokenized Asset** ∞ sgBENJI (Franklin Onchain U.S. Dollar Short-Term [Money Market](https://incrypthos.com/adoption/financial-institutions-accelerate-tokenization-of-money-market-and-treasury-funds/) Fund)

- **[Stablecoin](https://incrypthos.com/news/stablecoin/) Utilized** ∞ Ripple USD (RLUSD)

- **Trading Platform** ∞ DBS [Digital Exchange](https://incrypthos.com/adoption/deutsche-borse-subsidiary-launches-institutional-off-exchange-digital-asset-settlement/) (DDEx)

- **Key Functionality** ∞ 24/7 trading, portfolio rebalancing, collateralized [lending](https://incrypthos.com/news/lending/) exploration

![A futuristic white and metallic apparatus forcefully discharges a vivid blue liquid stream, creating dynamic splashes and ripples. The sleek, high-tech design suggests advanced engineering and efficient operation](https://incrypthos.com/wp-content/uploads/2025/09/scalable-layer-2-transaction-processing-and-data-flow.jpeg)

## Outlook

This collaboration sets a precedent for the integration of tokenized real-world assets into mainstream financial infrastructure, signaling a future where liquidity and [capital efficiency](https://incrypthos.com/news/capital-efficiency/) are dramatically enhanced through distributed ledger technology. The next phase involves exploring the use of sgBENJI as collateral for credit, which could establish new industry standards for on-chain asset utilization and potentially catalyze broader adoption of tokenized securities by competitors seeking similar operational advantages and market access.

![A large, clear blue crystal formation, resembling a cryptographic primitive, rises from dark, rippling water, flanked by a smaller, deeper blue crystalline structure. Behind these, a silver, angular metallic object rests on a white, textured mound, all set against a dark, gradient background](https://incrypthos.com/wp-content/uploads/2025/09/immutable-ledger-core-within-tokenized-ecosystems.jpeg)

## Verdict

**This strategic alliance decisively validates blockchain’s transformative potential to unlock unprecedented capital efficiency and liquidity for [institutional finance](https://incrypthos.com/news/institutional-finance/), forging a critical pathway for the convergence of traditional and digital asset markets.**

Signal Acquired from ∞ <a href="https://www.pymnts.com/blockchain/2025/ripple-launches-stablecoin-pact-with-dbs-and-franklin-templeton/?utm_source=incrypthos.com&utm_medium=referral&utm_campaign=noo-engine.com" target="_blank" rel="nofollow">PYMNTS.com</a>

## Glossary

<a href="https://incrypthos.com/adoption/dbs-and-franklin-templeton-launch-tokenized-money-market-fund-solutions/" class="glossary-item-box">

## tokenized money market 

This collaboration integrates tokenized money market funds and stablecoins on the XRP Ledger, enabling efficient trading and lending for institutional investors. </a><a href="https://incrypthos.com/news/institutional/" class="glossary-item-box">

## institutional 

Definition ∞ 'Institutional' denotes large entities such as pension funds, asset managers, hedge funds, and corporations that engage with cryptocurrencies and blockchain technology. </a><a href="https://incrypthos.com/adoption/dbs-and-franklin-templeton-launch-tokenized-money-market-fund-solutions/" class="glossary-item-box">

## franklin templeton 

This collaboration integrates tokenized money market funds and stablecoins on the XRP Ledger, enabling efficient trading and lending for institutional investors. </a><a href="https://incrypthos.com/news/xrp-ledger/" class="glossary-item-box">

## xrp ledger 

Definition ∞ The XRP Ledger is a decentralized, public blockchain designed for fast and efficient payment settlements. </a><a href="https://incrypthos.com/adoption/financial-institutions-accelerate-tokenization-of-money-market-and-treasury-funds/" class="glossary-item-box">

## money market 

This initiative leverages distributed ledger technology to optimize financial instrument settlement, reduce operational overhead, and expand investor access to high-value assets. </a><a href="https://incrypthos.com/news/stablecoin/" class="glossary-item-box">

## stablecoin 

Definition ∞ A stablecoin is a type of cryptocurrency designed to maintain a stable value relative to a specific asset, such as a fiat currency or a commodity. </a><a href="https://incrypthos.com/adoption/deutsche-borse-subsidiary-launches-institutional-off-exchange-digital-asset-settlement/" class="glossary-item-box">

## digital exchange 

This new off-exchange settlement mechanism streamlines institutional digital asset trading, optimizing capital efficiency and mitigating counterparty risk. </a><a href="https://incrypthos.com/news/lending/" class="glossary-item-box">

## lending 

Definition ∞ Lending in the digital asset space involves the provision of cryptocurrencies to borrowers in exchange for interest payments. </a><a href="https://incrypthos.com/news/capital-efficiency/" class="glossary-item-box">

## capital efficiency 

Definition ∞ Capital efficiency refers to the optimal utilization of financial resources to generate the greatest possible return. </a><a href="https://incrypthos.com/news/institutional-finance/" class="glossary-item-box">

## institutional finance 

Definition ∞ Institutional finance refers to the sector of the financial industry that deals with large-scale financial operations managed by corporations, governments, and other large organizations. </a>

**Tags:** [Tokenized Funds](https://incrypthos.com/news/tokenized-funds/), [Financial Innovation](https://incrypthos.com/news/financial-innovation/), [On-Chain Finance](https://incrypthos.com/news/on-chain-finance/), [Stablecoin](https://incrypthos.com/news/stablecoin/), [Institutional Finance](https://incrypthos.com/news/institutional-finance/), [Portfolio Rebalancing](https://incrypthos.com/news/portfolio-rebalancing/)	

## Discover More

- 
### [MANTRA Upgrades Blockchain for Compliant MultiVM Real-World Asset Tokenization](https://incrypthos.com/adoption/mantra-upgrades-blockchain-for-compliant-multivm-real-world-asset-tokenization/)
![A sleek, metallic device features a transparent dark blue panel revealing intricate internal mechanisms. Visible are precision-engineered gears and circuit traces surrounding a prominent central component with a glowing blue ring, symbolizing a cryptographic accelerator. This hardware unit suggests a dedicated node for robust transaction validation and secure smart contract execution within a decentralized ledger. Its design emphasizes computational integrity, critical for maintaining blockchain immutability and facilitating efficient block propagation. The visible components reflect a commitment to transparency in protocol architecture.](https://incrypthos.com/wp-content/uploads/2025/09/high-performance-blockchain-validator-node-cryptographic-hashing-engine.jpeg)

This strategic mainnet enhancement enables compliant, scalable real-world asset tokenization, leveraging both EVM and CosmWasm for enterprise-grade financial integration.

- 
### [Bitcoin’s Fragile Recovery Faces Renewed Selling Pressure](https://incrypthos.com/insights/bitcoins-fragile-recovery-faces-renewed-selling-pressure/)
![A modular white device, resembling a decentralized physical infrastructure network DePIN node, partially submerges in dynamic blue water, generating numerous bubbles and ripples. Its exposed internal mechanisms and integrated solar panels suggest off-chain data processing capabilities, actively maintaining data stream integrity. This visual metaphor encapsulates the oracle network resilience required for robust cross-chain interoperability, ensuring reliable smart contract execution even within challenging liquidity pool dynamics. The active water interaction symbolizes constant data flow and network activity.](https://incrypthos.com/wp-content/uploads/2025/09/decentralized-oracle-node-resiliency-cross-chain-data-stream-recovery.jpeg)

Despite a recent price surge, Bitcoin's underlying demand is weakening, with profit-taking and derivatives influencing its current market fragility.

- 
### [Ethereum ETF Inflows Accelerate, Signaling Robust Institutional Confidence](https://incrypthos.com/markets/ethereum-etf-inflows-accelerate-signaling-robust-institutional-confidence/)
![A sophisticated blue printed circuit board features a central integrated circuit, likely a specialized application-specific integrated circuit ASIC or hardware security module HSM. A translucent, particle-infused protective layer arches over the chip, visually representing secure enclave operations and cryptographic proof generation. Illuminated traces on the board signify high-throughput data transmission for decentralized ledger technology DLT transactions and smart contract execution. Surrounding surface-mount components support robust private key management and validator node functions, ensuring blockchain scalability and data integrity within a trustless environment.](https://incrypthos.com/wp-content/uploads/2025/09/secure-enclave-processing-decentralized-ledger-cryptographic-primitives.jpeg)

Consistent Ethereum ETF inflows demonstrate a systemic shift in institutional capital allocation, validating the asset's integration into regulated investment frameworks.

- 
### [Forward Industries Expands Solana Treasury with $4 Billion Offering](https://incrypthos.com/adoption/forward-industries-expands-solana-treasury-with-4-billion-offering/)
![A complex array of polished blue and silver metallic modules forms a core structure, embodying sophisticated blockchain infrastructure. This digital asset framework is intricately bound by a delicate, web-like network of bubbles, symbolizing dynamic data flow and smart contract execution across a distributed ledger. The ethereal mesh highlights intricate dependencies within a decentralized autonomous organization, where cryptographic primitives contribute to collective network consensus, essential for robust tokenized asset management.](https://incrypthos.com/wp-content/uploads/2025/09/Modular-Blockchain-Structure-Interconnected-by-Decentralized-Network-Fabric.jpeg)

Forward Industries leverages a $4 billion equity offering to scale its Solana treasury, optimizing capital deployment and enhancing balance sheet resilience.

- 
### [Institutions Integrate Solana for Productive Digital Asset Treasuries and Yield](https://incrypthos.com/adoption/institutions-integrate-solana-for-productive-digital-asset-treasuries-and-yield/)
![A white, spherical robotic head with a luminous blue visor and a segmented robotic hand emerges from a fractured mass of clear and deep blue crystalline structures. This visual metaphorically represents an algorithmic entity or AI oracle interfacing with immutable distributed ledger technology. The crystalline formations symbolize the secure cryptographic primitives and data integrity inherent in a blockchain's cold storage mechanisms, from which new protocol layers are being unveiled, signifying the activation of smart contract functionalities.](https://incrypthos.com/wp-content/uploads/2025/09/algorithmic-entity-unlocking-immutable-distributed-ledger-protocol.jpeg)

Enterprises are strategically allocating capital to Solana for yield generation and infrastructure, transforming treasury management and unlocking new capital efficiency.

- 
### [Allied Gaming & Entertainment Adopts Bitcoin and Ethereum for Treasury](https://incrypthos.com/adoption/allied-gaming-entertainment-adopts-bitcoin-and-ethereum-for-treasury/)
![A detailed close-up reveals a complex Web3 infrastructure assembly, dominated by a vibrant blue central processing unit featuring the iconic Ethereum logo. This component, akin to a core blockchain engine, is intricately integrated within a dense network of metallic and dark blue mechanical elements, hinting at sophisticated smart contract execution mechanisms. The surrounding structures, with their varied textures and interconnectedness, symbolize the robust decentralized network and its underlying protocol architecture, crucial for transaction finality and operational integrity.](https://incrypthos.com/wp-content/uploads/2025/09/Web3-Infrastructure-Ethereum-Smart-Contract-Processor-Mechanism.jpeg)

Integrating digital assets into corporate treasury operations establishes financial flexibility and strategic positioning for Web3-enabled revenue streams and enhanced stakeholder engagement.

- 
### [Federal Reserve Rate Cut Prompts Muted Bitcoin Rally](https://incrypthos.com/markets/federal-reserve-rate-cut-prompts-muted-bitcoin-rally/)
![Abstract cubes of electric blue and black form a dense, glowing core, emitting smaller particles. This core is encased within a sleek, white torus, suggesting a secured, immutable ledger. Thin white lines radiate outwards, connecting to the fragmented cubes, symbolizing distributed consensus and network propagation. The blurred blue and white background evokes a digital ether, the foundational layer for decentralized applications and smart contract execution. This visual metaphor represents the core architecture of blockchain technology, highlighting data integrity and network resilience.](https://incrypthos.com/wp-content/uploads/2025/09/Decentralized-Ledger-Architecture-Nexus-Blockchain-Network-Dynamics.jpeg)

The Federal Reserve's recent interest rate cut led to a modest Bitcoin price increase, while several altcoins saw stronger gains, indicating a complex market digestion of the news.

- 
### [Visa Expands Stablecoin Settlement across Multiple Blockchains and Assets](https://incrypthos.com/adoption/visa-expands-stablecoin-settlement-across-multiple-blockchains-and-assets/)
![A futuristic metallic and white spherical device reveals a central circular aperture, from which a dense, white, cloud-like substance emanates, representing the real-time output of a cryptographic hash function. Intricate translucent blue crystalline structures above signify digital asset components or smart contract elements being processed within a decentralized ledger technology architecture. This visual metaphor illustrates a blockchain node actively generating and validating transactional data streams.](https://incrypthos.com/wp-content/uploads/2025/09/enterprise-dlt-architecture-processing-cryptographic-hash-functions.jpeg)

This strategic expansion of stablecoin settlement capabilities across diverse blockchain networks and digital assets streamlines cross-border payments, enhances liquidity management, and reduces operational costs for the global enterprise.

- 
### [Plasma Launches Mainnet Beta with Two Billion Stablecoin Liquidity](https://incrypthos.com/web3/plasma-launches-mainnet-beta-with-two-billion-stablecoin-liquidity/)
![A dynamic abstract composition features a central spherical form, emblematic of a tokenized ecosystem, partially enveloped in a textured white material signifying data integrity and consensus mechanisms. Vibrant blue, reflective material, representing liquidity pools and smart contract execution, flows around it. Multiple silver rings orbit the sphere, illustrating complex blockchain architecture and protocol layers crucial for scalability solutions. Scattered white clusters symbolize distributed network nodes and validator sets, while metallic spheres and abstract elements denote diverse digital assets and cross-chain bridges, all resting upon a foundational Web3 infrastructure.](https://incrypthos.com/wp-content/uploads/2025/09/blockchain-ecosystem-scalability-and-decentralized-autonomous-organization-governance.jpeg)

Plasma's mainnet beta, launching with $2 billion in bridged stablecoins and free USD₮ transfers, significantly enhances DeFi liquidity and payment rail efficiency.

**Tags:** [Capital Efficiency](https://incrypthos.com/news/capital-efficiency/), [Collateralized Lending](https://incrypthos.com/news/collateralized-lending/), [Digital Assets](https://incrypthos.com/news/digital-assets/), [Financial Innovation](https://incrypthos.com/news/financial-innovation/), [Institutional Finance](https://incrypthos.com/news/institutional-finance/), [On-Chain Finance](https://incrypthos.com/news/on-chain-finance/), [Portfolio Rebalancing](https://incrypthos.com/news/portfolio-rebalancing/), [Stablecoin](https://incrypthos.com/news/stablecoin/), [Tokenized Funds](https://incrypthos.com/news/tokenized-funds/), [XRP Ledger](https://incrypthos.com/news/xrp-ledger/)

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**Original URL:** https://incrypthos.com/adoption/dbs-franklin-templeton-ripple-partner-for-tokenized-funds-and-lending/
