XRP Ledger Can Now Tokenize Gold Via This New Ripple Deal

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DBS Group recently announced DBS Physical Gold Tokens, a new product for retail customers. Starting from the second half of 2026, customers will buy, trade, and redeem these tokens through the digibank app.

Each token represents 1 gram of physical gold, held in a dedicated vault in Singapore. DBS confirmed the token structure, the custody plan, and the launch window.

Ripple Already Works With DBS

DBS isn’t new to tokenization. In 2025, the bank listed Ripple’s RLUSD stablecoin, alongside sgBENJI, the tokenized money market fund by Franklin Templeton. SMQKE pointed to another collaboration between Ripple, DBS, and Franklin Templeton. This links tokenized funds and stablecoins to institutional lending workflows on the XRP Ledger, showing a working model for on-chain credit.

That project gave DBS direct experience running real-world financial products on XRPL, not just trading crypto on an exchange.

The XRP Ledger Has Tokenized Gold Before

XRPL already has a gold use case. In 2024, Meld Gold integrated with the ledger to issue tokenized gold and silver, with each token backed by 1 gram of gold held by vault providers. XRPL’s built-in decentralized exchange lets those tokens trade directly against XRP or other assets.

The ledger settles transactions in seconds. Issuers can freeze assets or require authorization, giving banks the compliance tools they need for regulated products. XRPL features like federated sidechains and an EVM sidechain could also let issuers reach both the XRPL community and developers building on Ethereum.

A Massive Opportunity for XRP

SMQKE’s post included a chart that puts this opportunity in scale. The entire cryptocurrency market is $3.2 trillion. Gold holds $35 trillion. Global stocks hold $143 trillion. Gold alone is more than 10 times bigger than the crypto market.

This presents a major opportunity for XRP. A fast, low-cost ledger with a growing presence in the tokenization space can enter that $35 trillion pool.

What Comes Next?

DBS plans to launch its tokens in the second half of 2026. The bank hasn’t named a blockchain partner yet. In addition to buying, holding, and trading around the clock, DBS said customers will be able to redeem their tokens for physical gold.

DBS has ties to Ripple, while XRP has a track record of tokenization and gold specifically. SMQKE links Ripple to DBS, suggesting that the XRPL stands out as a real option once DBS shares the technical details behind its tokenization initiative.

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