Ripple secures banking license, reaches $120B valuation with 40B XRP on its balance sheet as XRP Ledger expands tokenized asset activity.
Ripple has secured a banking license that has increased attention around its financial position and digital asset reserves.
The company is now valued at about $120 billion, supported by its reported holdings of 40 billion XRP.
The valuation estimate uses an assumed XRP price of $3 per token. The development places Ripple among large global financial institutions by balance sheet value.
Ripple Balance Sheet Strengthens With Large XRP Holdings
Ripple’s balance sheet includes about 40 billion XRP. At an estimated market value of $3 per token, these holdings equal about $120 billion.
This valuation places Ripple among major global financial institutions by asset scale.
The banking license adds another element to Ripple’s financial structure. The company has long focused on cross border payment infrastructure.
The license may allow Ripple to expand financial services while continuing blockchain based operations.
🚨 BREAKING: Ripple has secured a banking license, pushing its valuation to $120B with 40B #XRP on its balance sheet at $3/XRP, instantly placing the company among the world’s largest financial institutions.
If XRP moves above $6, Ripple’s balance sheet could surpass $240B,… https://t.co/AbzXK1DGJb pic.twitter.com/RaOY3Pmacr
— CryptoGeek (@CryptoGeekNews) March 16, 2026
Ripple has stated that XRP remains central to its ecosystem. The digital asset supports liquidity and settlement across Ripple related payment products.
The company continues to develop services that use the XRP Ledger for financial transactions.
Market observers note that XRP price movement could change the valuation level.
If the token moves above $6, the value of the company’s holdings would exceed $240 billion.
That level would place Ripple among the largest banking institutions globally by asset value.
XRP Ledger Expands Role in Tokenized Asset Markets
Reports indicate that the XRP Ledger now supports more than 15 percent of tokenized commodities worldwide.
This share places the network among leading platforms for blockchain based commodity activity.
Tokenization allows real world assets to be represented on blockchain networks.
Commodities such as metals and energy products can be issued as digital tokens. These tokens can then be traded and transferred on blockchain infrastructure.
📈 The #XRP Ledger is now a major player in digital commodity trading!
New reports reveal it hosts more than 15% of all tokenized commodities worldwide – landing it in second place globally.
As the XRP Ledger is now a major player globally, the largest partnership ever on the… https://t.co/sfm3p2hQiI pic.twitter.com/TKtGTlc9Kh
— Ledger Man 🎩 (@strivex_) March 16, 2026
The XRP Ledger has focused on high speed settlement and low transaction costs.
These features have supported its adoption in payment systems and asset tokenization projects. Activity across the network continues to grow as new applications appear.
Some projections suggest that large volumes of assets could move through blockchain based systems over time.
Estimates cited by industry groups mention a potential market of hundreds of trillions of dollars for tokenized assets.
Related Reading: XRP Ledger Receives Urgent Update As Ripple Fixes Key Security Issues
RealFi Plans Media Platform Collaboration on XRP Ledger
RealFi has announced plans for a strategic collaboration connected to the XRP Ledger ecosystem.
The initiative will involve a media platform that integrates RealFi’s payment reward system.
The system will operate using the REAL token, which functions within the RealFi ecosystem.
According to project updates, the token supports reward distribution and payment features tied to digital content services.
The collaboration is scheduled for announcement on April 17, 2026. Project representatives said the platform will combine blockchain based payments with digital media access.
RealFi has also stated that the XRP Ledger infrastructure supports the project’s technical needs. The network’s transaction speed and cost structure are designed for frequent digital payments.
Developers and ecosystem partners continue to build new services connected to the XRP Ledger.
Partnerships and platform launches remain part of the broader network development roadmap.
