Tokenization on XRPL differs from EVM
XRPL has native tokenization primitives that EVM chains implement via smart contracts: trust lines for permissioned asset relationships, issued currencies for fungible tokens, and XLS-65 Single Asset Vaults for yield-bearing positions. This means less custom code, lower attack surface, and deterministic costs - but it also means a different mental model for teams coming from Ethereum.
The XRPL DEX and AMM pools provide native liquidity for issued assets without deploying liquidity contracts. Escrow and payment channels handle time-locked and conditional transfers natively. With Hooks (XRPL's smart contract-like layer) on the roadmap, the platform is expanding what is possible at the protocol level - without sacrificing the throughput and cost characteristics that make XRPL attractive for real-volume use cases.
Our production reference is Soil.co - a stablecoin yield and settlement platform built on XRPL. We have shipped trust line management, issued currency flows, XLS-65 vault integrations, and AMM liquidity operations in a live environment. We know where the sharp edges are.
What you get
From protocol design to operational tooling - everything needed to issue, manage, and operate tokenized assets on XRP Ledger.
End-to-end asset issuance and management on XRPL.
Trust line architecture
+Design the trust line structure for your asset: issuer/distributor model, limits, authorization flows. Output: permissioned asset relationship model ready for production.
Issued currency & token flows
+Implement fungible token issuance, transfers, and redemption workflows. Output: end-to-end token lifecycle with operational controls and monitoring.
XLS-65 vault integration
+Build Single Asset Vault positions for yield-bearing or segregated asset flows. Output: vault deposit/withdrawal flows integrated with your product backend.
AMM liquidity integration
+Connect issued assets to XRPL native AMM pools for liquidity. Output: liquidity provisioning and swap flows with monitoring and rebalancing tooling.
Escrow & conditional transfers
+Implement time-locked and crypto-condition escrows for settlement and vesting flows. Output: automated escrow lifecycle with operational recovery paths.
Backend services & indexing
+APIs, admin tooling, and custom indexers for operational reporting on token flows. Output: full operational stack for token management and reporting.
Core architecture
Issuance layer
+Trust lines, issued currencies, XLS-65 vaults.
Liquidity layer
+AMM pools, DEX integration, swap flows.
Settlement layer
+Escrows, payment channels, conditional transfers.
Service layer
+APIs, admin tooling, workflow services.
Data layer
+Custom indexing and pipelines for token reporting.
Common use cases
Where XRPL tokenization delivers production value.
Stablecoin issuance on XRPL
+Issue and manage stablecoins with native trust line permissioning and AMM liquidity.
Yield-bearing positions (XLS-65)
+Build deposit/withdrawal flows for Single Asset Vaults with backend settlement.
Real-world asset tokenization
+Map RWA ownership to issued currencies with controlled trust line authorization.
Cross-border settlement tokens
+High-throughput token transfers with XRPL native finality and deterministic costs.
How we work
Related Case Studies
XRPL Tokenization - Frequently Asked Questions
- Does XRPL tokenization require smart contracts?
- No. XRPL has native tokenization primitives - trust lines, issued currencies, and XLS-65 vaults - that handle what EVM chains implement via smart contracts. This means a smaller attack surface, deterministic costs, and no bytecode to audit.
- What are trust lines on XRPL?
- Trust lines are XRPL's native mechanism for permissioned asset relationships. An account must explicitly extend a trust line to an issuer before receiving their issued currency - giving issuers direct control over who holds the asset and in what amounts.
- What is XLS-65 and who should use it?
- XLS-65 defines Single Asset Vaults on XRPL - on-ledger positions for yield-bearing or segregated asset flows. Relevant for stablecoin yield products, RWA platforms, or any product requiring on-chain segregated asset custody without custom smart contracts.
- Can XRPL tokenized assets use the built-in DEX and AMM?
- Yes. Issued currencies on XRPL have immediate access to the native DEX and AMM pools for liquidity - no additional liquidity contracts required. This is one of the key advantages of XRPL tokenization over EVM-based alternatives.
