Julie Gerdeman, who works on payments, digital assets and enterprise infrastructure at BNY, is leading the next venture with Ripple and C2FO on the XRP Ledger.
The use case is simple. A buyer has approved the invoice and is ready to pay, yet the supplier waits months and the pool of investors who can touch the asset stays small.
Putting that receivable on the XRPL widens who can reach it. What do you think happens to trade finance once access opens up?
Tokenizing an asset is only the first step. True market efficiency requires institutional clearing.
By combining XRPL’s native settlement with Yellow's off-chain clearing infrastructure, we are building the foundation for active, high-velocity digital asset markets.
Launched in 2012, the XRP Ledger was designed to address a fundamental challenge in finance: transferring value reliably without the delays and costs of traditional payment infrastructure.
Over the years, XRPL has evolved far beyond a payment network. Its native decentralized exchange allows assets issued on the network to be traded directly within its infrastructure, creating a foundation for financial applications that leverage the protocol's native capabilities.
This becomes particularly important as financial instruments move onchain. Tokenized securities, credit products and other real-world assets need more than a digital representation. They require infrastructure that supports the entire lifecycle of an asset, from issuance and trading to the settlement of obligations between counterparties.
In traditional markets, these functions are distributed across multiple intermediaries, each responsible for a different stage of the process. Moving assets onchain creates an opportunity to rethink how these layers interact and how capital can be deployed more efficiently across financial operations.
This is where clearing becomes essential. Rather than treating each trade in isolation, clearing consolidates obligations between counterparties, allowing net balances to be determined before final settlement.
Yellow Clearnet brings this mechanism to digital markets through state channels, enabling counterparties to trade offchain in real time while retaining the ability to settle the resulting obligations. The objective is to combine trading speed with more efficient management of financial obligations.
Bringing together XRPL's capabilities and Yellow Clearnet's clearing infrastructure opens the door to exploring new ways of structuring onchain financial markets. XRPL provides a native environment for asset issuance, trading and settlement, while Clearnet could complement this type of infrastructure by coordinating the obligations generated by trading between counterparties.
The opportunity goes beyond making financial operations faster or cheaper. It is about building markets where digital assets can circulate more freely, counterparties can deploy capital more efficiently, and new financial applications can grow on top of reliable settlement infrastructure.
The next stage of tokenized finance will not be defined solely by the number of assets issued, but by the ability to turn those assets into useful, tradable instruments integrated into active financial markets.
This morning we announced C2FO Instant Pay™, built with @Ripple . Early payment only helps when the money arrives. Instant Pay settles on XRPL using RLUSD, so suppliers get funds in minutes.
Same invoice terms. Same due dates. Learn More: c2fo.com/newsroom/c2fo-and-r…
#InstantPay
Trade finance keeps global commerce moving. Ripple and @C2FO are bringing it onto the @XRP Ledger: on.ripple.com/4iH2uBY
Businesses can wait 30, 60 or 90 days to get paid. Even early payments can take days to arrive through bank settlement.
Together, we’re bringing financing and settlement supporting C2FO Instant Pay™ onto XRPL, using RLUSD for settlement to help suppliers receive funds in seconds.
That connects XRPL and RLUSD to an established working-capital marketplace, helping businesses access money sooner for payroll, inventory and new orders.
The emerging digital landscape is a very complex one. The higher the complexity, the more Systems Thinking one must deploy to try and make sense of it all.
Linear Thinking when dealing with complex systems will bring one to a similar conclusion as below.
How utterly boring, limiting and tiring it is dealing with such people.
Replying to @UtilityFTW
Bullish for Ripple not so much for XRP. The sooner people understand the difference the faster they will stop being liquidity for Ripple to build a business that doesnt benefit the token holder
Trade finance is coming to the XRP Ledger!
Today, we’re expanding our collaboration with @BNYglobal across custody and tokenized trade finance, bringing BNY’s institutional scale together with $RLUSD, @XRP and the XRP Ledger.
→ on.ripple.com/4kkekDf
Utility Obviously ⚖️ retweeted
Final OCC approval for Ripple National Trust Bank is the result of a simple choice we made years ago: build within the regulatory perimeter, not around it.
Clear rules + rigorous oversight create trust. And trust is what allows new financial infrastructure to scale.
Big news heading into @RippleSwell: the @USOCC has granted final approval for Ripple National Trust Bank.
This gives Ripple a federally supervised platform to support $RLUSD and provide digital asset custody to enterprises.
We’ve always said crypto and banks work better together — this is what that looks like. Real innovation, real accountability, federal oversight.
The revolution isn't happening outside the system. It's happening from within it.
Utility Obviously ⚖️ retweeted
Big news heading into @RippleSwell: the @USOCC has granted final approval for Ripple National Trust Bank.
This gives Ripple a federally supervised platform to support $RLUSD and provide digital asset custody to enterprises.
We’ve always said crypto and banks work better together — this is what that looks like. Real innovation, real accountability, federal oversight.
The revolution isn't happening outside the system. It's happening from within it.
Someone really goofed up the #XRP logo
Above this #XRP advertisement: M1 M5
M1: Money readily available for spending.
M5: A proposed broader monetary measure that would incorporate digital currencies and cryptocurrencies.
Apophenia possible.
Utility Obviously ⚖️ retweeted
New investment into the XRP Ledger from Aviva Investors! 🥳
They're investing $66m into their new Money Market Fund that will copy what their first USD-based token already did.
Again on the XRPL. Although not mentioned, very likely MPT-based, since they're working with Licuido on this.
For XRP this would mean that as soon as the MPT DEX integration feature is live, Aviva could built up direct liquidity for XRP to further strengthen the "autobridge" use case.
For this, they would need to pay market makers.
These market makers would then hold XRP in their inventory to do professional market making within a permissioned DEX environment.
At least that's the theory.
The more tokenization, the better. 💪
Big news as Aviva Investors announces the launch of a tokenized share class of the Aviva Investors Sterling (GBP) Liquidity Fund on the XRP Ledger.
The Sterling (GBP) Liquidity Fund is Aviva Investors’ largest fund at around £22 billion in assets under management, and this move marks an expansion of Aviva Investors’ tokenised fund offering, following the launch of its tokenized USD Liquidity Fund in July.
Investors receive the same protections as those in the conventional fund, which was initially launched in 2002.
Markets are moving to 24/7 access and real-time settlement. This is what that looks like in practice.
For professional investors only. Capital at risk.
ripple.com/ripple-press/aviv…
Utility Obviously ⚖️ retweeted
Great news for the XRPL. Aviva now has a tokenised Sterling Liquidity Fund and it is available on the XRP Ledger (XRPL).
The “ghostchain” 🤣strikes again. 👏 👏
Big news as Aviva Investors announces the launch of a tokenized share class of the Aviva Investors Sterling (GBP) Liquidity Fund on the XRP Ledger.
The Sterling (GBP) Liquidity Fund is Aviva Investors’ largest fund at around £22 billion in assets under management, and this move marks an expansion of Aviva Investors’ tokenised fund offering, following the launch of its tokenized USD Liquidity Fund in July.
Investors receive the same protections as those in the conventional fund, which was initially launched in 2002.
Markets are moving to 24/7 access and real-time settlement. This is what that looks like in practice.
For professional investors only. Capital at risk.
ripple.com/ripple-press/aviv…
"Bitcoin is lunch without protein" 🤣
Bitcoin has established itself as a major digital store of value, while XRP’s investment thesis focuses heavily on payments, liquidity, and cross-border settlement. If adoption of XRP continues to expand, the conversation around its long-term potential could become even more interesting.
#XRP #Bitcoin #KevinOLeary
"The year is 2029..."
🚨BREAKING: NIH-FUNDED MAD SCIENTISTS HAVE CREATED A HUMANOID ROBOT CONTROLLED BY LIVING HUMAN BRAIN TISSUE
They call the monstrosity "BRAINOBOT."
Mad scientists grew HUMAN BRAIN ORGANOIDS from embryonic stem cells and connected them to a humanoid robot, allowing living neurons to process information and guide its movements.
The human brain cells helped the robot CHASE LASERS, GRASP OBJECTS, and LEARN from repeated tasks.
The living neural networks adapted and reorganized their activity during training, with task accuracy increasing from 72% to 94%.
When they chemically inhibited the neurons, the robot's decision-making performance COLLAPSED.
It’s not just data centers running on human brain cells anymore. It’s now humanoid robots, too.
This is EXTREMELY DISTURBING.
Credit where it's due: #XRPL infrastructure operators keep the ledger running smoothly without direct protocol-level financial rewards. That's worth recognizing. The philosophical pioneers of crypto.
Utility Obviously ⚖️ retweeted
Things look super stable again
Thanks @angell_denis @msvadari @Vet_X0 and everyone involved, and all XRPL validator operators for their quick and coordinated action to get the XRPL back on track 🤗
Replying to @Tripolarsoul123 @XamanWallet
Xrpl is flapping; going on and off, not closing ledgers at times (globally)






































