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

**Published:** 2025-09-18
**Categories:** Adoption

---

![The image displays a close-up of a translucent blue tubular structure, containing a white, granular substance flowing along its interior. Blurred abstract blue and white forms are visible in the background, suggesting a complex network](https://incrypthos.com/wp-content/uploads/2025/09/decentralized-ledger-data-stream-tokenized-asset-propagation-infrastructure.jpeg)

![The close-up displays interconnected white and blue modular electronic components, featuring metallic accents at their precise connection points. These units are arranged in a linear sequence, suggesting a structured system of linked modules operating in unison](https://incrypthos.com/wp-content/uploads/2025/09/cryptographic-sharding-modules-enabling-secure-cross-chain-interoperability.jpeg)

## Briefing

DBS Bank, Franklin Templeton, and Ripple have forged a significant partnership to introduce innovative trading and lending solutions for accredited and [institutional investors](https://incrypthos.com/markets/bitcoin-dips-as-investors-await-fed-rate-decision/). This collaboration centers on tokenized money market funds, specifically Franklin Templeton’s sgBENJI, and Ripple’s RLUSD stablecoin, operating on the XRP Ledger. The initiative aims to provide 24/7 portfolio rebalancing and yield-earning capabilities, with future plans to enable sgBENJI tokens as collateral for credit, marking a critical advancement in institutional digital asset integration.

![A high-resolution, close-up image showcases a section of an advanced device, featuring a prominent transparent, arched cover exhibiting internal blue light and water droplets or condensation. The surrounding structure comprises polished metallic and dark matte components, suggesting intricate internal mechanisms and precision engineering](https://incrypthos.com/wp-content/uploads/2025/09/Enterprise-Blockchain-Data-Stream-Cooling-Mechanism-Operational-Resilience.jpeg)

## Context

Traditional financial markets often grapple with operational inefficiencies such as limited trading hours, protracted settlement cycles extending up to two business days, and friction in converting fiat to digital assets. These constraints impede agile portfolio management and limit liquidity, particularly for institutional investors seeking to mitigate volatility and optimize capital deployment within digital asset portfolios. The prevailing challenge involves the absence of a seamless, high-efficiency mechanism for institutional-grade digital [asset management](https://incrypthos.com/news/asset-management/) that aligns with the speed and global nature of blockchain technology.

![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)

## Analysis

This adoption directly alters treasury management and investment portfolio mechanics by integrating tokenized securities into a real-time, 24/7 operational framework. DBS Digital Exchange will list sgBENJI, a tokenized U.S. [dollar short-term money market](https://incrypthos.com/insights/bitcoin-short-term-holders-profit-ahead-of-fed-meeting/) fund, alongside Ripple’s RLUSD stablecoin. This configuration enables eligible clients to execute instantaneous trades between a yield-bearing asset and a stablecoin, facilitating dynamic portfolio rebalancing and continuous yield generation.

The underlying XRP Ledger, chosen for its speed and cost-efficiency, functions as a high-throughput settlement layer, reducing friction and delays inherent in traditional conversions. Furthermore, the exploration of sgBENJI as collateral for repurchase agreements or [third-party lending platforms](https://incrypthos.com/security/swissborg-solana-earn-program-suffers-41m-third-party-api-exploit/) introduces a new dimension of capital efficiency, transforming illiquid assets into dynamic collateral within a trusted institutional ecosystem.

![A close-up view reveals intricately designed metallic blue and silver mechanical components, resembling parts of a complex machine. These components are partially enveloped by a layer of fine white foam, highlighting the textures of both the metal and the bubbles](https://incrypthos.com/wp-content/uploads/2025/09/Robust-DLT-Infrastructure-Undergoing-Protocol-Layer-Optimization.jpeg)

## Parameters

- **Primary Institutions** ∞ DBS Bank, [Franklin Templeton](https://incrypthos.com/adoption/dbs-and-franklin-templeton-launch-tokenized-money-market-fund-solutions/), Ripple

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

- **Tokenized Fund** ∞ Franklin Templeton’s sgBENJI (Franklin Onchain U.S. [Dollar Short-Term Money](https://incrypthos.com/insights/bitcoin-short-term-holders-profit-ahead-of-fed-meeting/) Market Fund)

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

- **Operational Platform** ∞ DBS [Digital Exchange](https://incrypthos.com/news/digital-exchange/) (DDEx)

- **Initial Use Case** ∞ 24/7 trading and [portfolio rebalancing](https://incrypthos.com/markets/ethereum-spot-etf-inflows-drive-market-structure-rebalancing-and-price-stability/) between sgBENJI and RLUSD

- **Future Use Case** ∞ sgBENJI as collateral for credit and repurchase transactions

![A striking, translucent blue crystal with intricate facets is centrally positioned on a high-tech digital display. The display itself features dynamic blue and purple candlestick charts against a grid, showcasing complex data visualizations](https://incrypthos.com/wp-content/uploads/2025/09/Immutable-Ledger-Data-Crystal-on-Algorithmic-Trading-Interface.jpeg)

## Outlook

The next phase of this partnership involves DBS exploring the use of sgBENJI tokens as collateral, which could unlock significant liquidity for institutional clients through repurchase agreements or third-party lending platforms. This initiative is poised to establish new industry standards for real-world asset tokenization and stablecoin utility within traditional finance. By demonstrating enhanced [capital efficiency](https://incrypthos.com/news/capital-efficiency/) and continuous market access, this collaboration could catalyze broader adoption among competitors, fostering a more interconnected and liquid global digital asset ecosystem.

**This collaboration represents a pivotal convergence of traditional financial institutions and enterprise blockchain, establishing a robust framework for institutional-grade tokenized asset management and liquidity.**

Signal Acquired from ∞ <a href="https://www.dbs.com/newsroom/DBS_and_Franklin_Templeton_to_launch_trading_and_lending_solutions_powered_by_tokenised_money_market_funds_and_Ripples_RLUSD_stablecoin?utm_source=incrypthos.com&utm_medium=referral&utm_campaign=noo-engine.com" target="_blank" rel="nofollow">dbs.com</a>

## Glossary

<a href="https://incrypthos.com/markets/bitcoin-dips-as-investors-await-fed-rate-decision/" class="glossary-item-box">

## institutional investors 

Crypto markets show caution as the Federal Reserve's interest rate outlook creates uncertainty for speculative assets. </a><a href="https://incrypthos.com/news/asset-management/" class="glossary-item-box">

## asset management 

Definition ∞ Asset management refers to the systematic supervision of investment portfolios. </a><a href="https://incrypthos.com/insights/bitcoin-short-term-holders-profit-ahead-of-fed-meeting/" class="glossary-item-box">

## dollar short-term money market 

Recent Bitcoin buyers are back in profit, signaling market confidence before the Federal Reserve's decision. </a><a href="https://incrypthos.com/security/swissborg-solana-earn-program-suffers-41m-third-party-api-exploit/" class="glossary-item-box">

## third-party lending platforms 

A compromised third-party staking API allowed attackers to manipulate requests, siphoning $41 million in SOL from the SwissBorg Earn program. </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/blockchain/" class="glossary-item-box">

## blockchain 

Definition ∞ A blockchain is a distributed, immutable ledger that records transactions across numerous interconnected computers. </a><a href="https://incrypthos.com/insights/bitcoin-short-term-holders-profit-ahead-of-fed-meeting/" class="glossary-item-box">

## dollar short-term money 

Recent Bitcoin buyers are back in profit, signaling market confidence before the Federal Reserve's decision. </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/news/digital-exchange/" class="glossary-item-box">

## digital exchange 

Definition ∞ A digital exchange is a platform where digital assets can be bought and sold. </a><a href="https://incrypthos.com/markets/ethereum-spot-etf-inflows-drive-market-structure-rebalancing-and-price-stability/" class="glossary-item-box">

## portfolio rebalancing 

Consistent Ethereum ETF capital aggregation reconfigures market liquidity dynamics, establishing robust institutional validation and systemic asset stabilization. </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>

**Tags:** [Digital Assets](https://incrypthos.com/news/digital-assets/), [Asset](https://incrypthos.com/news/asset/), [Digital Asset](https://incrypthos.com/news/digital-asset/), [Enterprise Blockchain](https://incrypthos.com/news/enterprise-blockchain/), [Stablecoin Utility](https://incrypthos.com/news/stablecoin-utility/), [Liquidity Solutions](https://incrypthos.com/news/liquidity-solutions/)	

## Discover More

- 
### [Bitcoin Supply on Exchanges Reaches Seven-Year Low](https://incrypthos.com/markets/bitcoin-supply-on-exchanges-reaches-seven-year-low/)
![Two high-tech modular components, rendered in stark white and metallic silver with translucent blue segments, are depicted in close alignment, illustrating a critical cross-chain communication interface. Intense blue energy rings radiate between them, symbolizing active protocol execution and the secure transfer of digital asset data packets. The intricate internal structures visible through the blue casings suggest complex cryptographic computations within validator nodes, facilitating seamless interoperability across disparate DLT ecosystems. This abstract representation highlights advanced blockchain infrastructure mechanisms.](https://incrypthos.com/wp-content/uploads/2025/09/cross-chain-interoperability-mechanism-decentralized-protocol-infrastructure.jpeg)

Bitcoin's supply on exchanges has hit a seven-year low, signaling strong institutional accumulation and reduced selling pressure.

- 
### [Real-World Asset Tokenization Surges, Reshaping Digital Finance](https://incrypthos.com/markets/real-world-asset-tokenization-surges-reshaping-digital-finance/)
![A sophisticated metallic device, predominantly silver and deep blue, showcases intricate engineering. A central square module, textured and detailed, features a precise circular aperture, suggesting a core processing unit or a secure enclave for cryptographic operations. Surrounding structures of layered blue and black elements imply robust connectivity and a modular blockchain architecture. This visualization represents a physical embodiment of a high-performance validation node, designed for efficient distributed ledger technology processing and seamless interoperability within a corporate crypto ecosystem, ensuring robust consensus mechanism execution.](https://incrypthos.com/wp-content/uploads/2025/09/Decentralized-Infrastructure-Core-Component-Protocol-Interoperability-Mechanism-Visualization.jpeg)

The tokenization of real-world assets is rapidly gaining momentum, bringing tangible value onto the blockchain and opening new avenues for investors.

- 
### [MAS Project Guardian Advances Institutional Tokenization and Real Estate Investment](https://incrypthos.com/adoption/mas-project-guardian-advances-institutional-tokenization-and-real-estate-investment/)
![A futuristic, intricately designed spherical device features white modular plating and exposed metallic internal components. A vibrant blue light beam emanates from its core, suggesting active data processing or energy transfer. This visual metaphorically represents a high-performance decentralized autonomous organization DAO or a layer-2 scaling solution operating within a distributed ledger technology DLT network. The precise engineering signifies robust protocol optimization and efficient transaction finality, critical for Web3 infrastructure and institutional DeFi applications, ensuring cryptographic security across the network.](https://incrypthos.com/wp-content/uploads/2025/09/scalable-decentralized-protocol-architecture-processing-mechanisms.jpeg)

This initiative fundamentally redefines capital market efficiency, leveraging tokenization to streamline asset management and cross-border settlements for global institutions.

- 
### [FCA Proposes Lifting Retail Crypto ETN Ban to Boost UK Competitiveness](https://incrypthos.com/regulation/fca-proposes-lifting-retail-crypto-etn-ban-to-boost-uk-competitiveness/)
![A sleek, futuristic mechanical device, featuring metallic silver and dark blue components, is dynamically enveloped by translucent, light blue liquid. This intricate core, possibly a validator node or DeFi protocol engine, symbolizes the flow of digital asset liquidity within a decentralized autonomous organization DAO. The swirling liquid represents real-time value transfer and algorithmic stability, highlighting the complex tokenomics architecture and consensus mechanism vital for blockchain network integrity and efficient cross-chain interoperability in a Web3 ecosystem.](https://incrypthos.com/wp-content/uploads/2025/09/Web3-Infrastructure-Dynamic-Liquidity-Staking-Protocol-Core.jpeg)

The FCA's proposed retail access to crypto ETNs redefines risk appetite, mandating robust financial promotion rules for market integrity.

- 
### [LimeWire Acquires Fyre Festival Brand for Web3 Revival](https://incrypthos.com/web3/limewire-acquires-fyre-festival-brand-for-web3-revival/)
![A complex, translucent blue fluid matrix envelops a beige bone structure, featuring integrated black and white mechanical components. This visual metaphorically represents a decentralized autonomous organization DAO managing bio-NFTs or soulbound tokens for digital identity. The fluid signifies blockchain architecture facilitating data immutability and interoperability protocols between oracle networks and physical assets. Mechanical elements symbolize smart contracts executing on-chain governance logic within a Web3 infrastructure, ensuring secure cross-chain communication and distributed ledger technology DLT integrity.](https://incrypthos.com/wp-content/uploads/2025/09/decentralized-bio-integration-protocol-orchestrating-web3-infrastructure-dynamics.jpeg)

LimeWire strategically integrates the Fyre Festival brand into its Web3 ecosystem, leveraging tokenized experiences to redefine digital event engagement and ownership.

- 
### [Major Banks and Ripple Launch Tokenized Trading on XRP Ledger](https://incrypthos.com/markets/major-banks-and-ripple-launch-tokenized-trading-on-xrp-ledger/)
![A luminous white sphere, encircled by a ring, anchors a complex arrangement of sharp, glowing blue crystalline structures. Darker polygonal forms and thin, flexible lines interweave through this core, creating a dynamic, interconnected system. Several smaller white orbs float around the central construct. This abstract representation evokes a decentralized network architecture, illustrating the intricate interplay of validator nodes, cryptographic primitives, and smart contract execution within a distributed ledger technology ecosystem, emphasizing on-chain governance mechanisms.](https://incrypthos.com/wp-content/uploads/2025/09/Abstract-Decentralized-Network-Architecture-with-Cryptographic-Primitives-and-Digital-Assets.jpeg)

A new collaboration between DBS, Franklin Templeton, and Ripple is bringing tokenized trading and lending to institutional investors on the XRP Ledger.

- 
### [JPMorgan Advances Institutional Stablecoin and Real-World Asset Tokenization](https://incrypthos.com/adoption/jpmorgan-advances-institutional-stablecoin-and-real-world-asset-tokenization/)
![A dynamic, frosted blue and white structure, reminiscent of a stablecoin liquidity pool, dominates the foreground. Granular white and blue particles, symbolizing distributed ledger transaction data or gas fees, scatter across a reflective surface. A clear, textured oracle sphere rests amidst the token distribution, while a blurred metallic asset representation sits in the background. This visual metaphor highlights cryptographic primitives and the intricate network topology of a decentralized finance ecosystem, emphasizing protocol security.](https://incrypthos.com/wp-content/uploads/2025/09/cryptographic-primitive-frost-decentralized-ledger-governance-mechanism.jpeg)

JPMorgan's initiatives integrate digital assets into core financial operations, enhancing liquidity and efficiency for institutional clients.

- 
### [JPMorgan Advances Stablecoin and Real-World Asset Tokenization](https://incrypthos.com/adoption/jpmorgan-advances-stablecoin-and-real-world-asset-tokenization/)
![A modular, segmented white and polished silver mechanism partially submerges into a vibrant blue liquid, generating transparent bubbles and dynamic surface ripples. This represents a sophisticated blockchain architecture or decentralized autonomous organization DAO protocol integrating into a liquidity pool within the decentralized finance DeFi ecosystem. The fluid environment signifies market volatility and continuous transaction throughput, with bubbles denoting gas fees or oracle data streams. Structured components suggest intricate smart contract logic and tokenomics, emphasizing on-chain governance and digital asset flow across a distributed ledger technology DLT.](https://incrypthos.com/wp-content/uploads/2025/09/modular-blockchain-architecture-within-dynamic-digital-asset-ecosystem.jpeg)

Integrating stablecoins and tokenized assets streamlines financial operations, enhancing liquidity and capital efficiency for institutions.

- 
### [Ethereum Whales Sell, Profit-Taking Follows Price Dip](https://incrypthos.com/insights/ethereum-whales-sell-profit-taking-follows-price-dip/)
![A close-up view reveals a sophisticated, multi-layered processor, its metallic silver casing etched with intricate circuit pathways. Within its core, a dense cityscape of glowing blue components signifies active data processing, akin to a high-performance ASIC executing cryptographic hashing operations. This hardware embodies the foundational blockchain architecture required for decentralized ledger management and transaction validation. The vibrant blue elements suggest rapid data throughput across a distributed network, crucial for achieving consensus mechanisms and enabling smart contract execution with minimal latency. It represents the powerful node infrastructure supporting digital assets.](https://incrypthos.com/wp-content/uploads/2025/09/intricate-blockchain-architecture-driving-decentralized-network-consensus.jpeg)

Large Ethereum holders recently sold significant amounts, indicating profit-taking after a price decline.

**Tags:** [Asset](https://incrypthos.com/news/asset/), [Asset Management](https://incrypthos.com/news/asset-management/), [Assets](https://incrypthos.com/news/assets/), [Blockchain](https://incrypthos.com/news/blockchain/), [Capital](https://incrypthos.com/news/capital/), [Capital Efficiency](https://incrypthos.com/news/capital-efficiency/), [Cross-Chain Interoperability](https://incrypthos.com/news/cross-chain-interoperability/), [Digital Asset](https://incrypthos.com/news/digital-asset/), [Digital Assets](https://incrypthos.com/news/digital-assets/), [Digital Exchange](https://incrypthos.com/news/digital-exchange/), [Efficiency](https://incrypthos.com/news/efficiency/), [Enterprise Blockchain](https://incrypthos.com/news/enterprise-blockchain/), [Funds](https://incrypthos.com/news/funds/), [Institutional](https://incrypthos.com/news/institutional/), [Institutional Finance](https://incrypthos.com/news/institutional-finance/), [Lending](https://incrypthos.com/news/lending/), [Liquidity](https://incrypthos.com/news/liquidity/), [Liquidity Solutions](https://incrypthos.com/news/liquidity-solutions/), [Management](https://incrypthos.com/news/management/), [Market](https://incrypthos.com/news/market/), [Repurchase Agreements](https://incrypthos.com/news/repurchase-agreements/), [Stablecoin](https://incrypthos.com/news/stablecoin/), [Stablecoin Utility](https://incrypthos.com/news/stablecoin-utility/), [Tokenized Funds](https://incrypthos.com/news/tokenized-funds/), [Trading](https://incrypthos.com/news/trading/), [XRP](https://incrypthos.com/news/xrp/), [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-stablecoin-trading/
