Standard Chartered, XRP and Distributed Ledger Infrastructure

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Crypto analyst ChartNerd has thrown light on remarks made by Michael Spiegel, Global Head of Transaction Banking at Standard Chartered, during SIBOS 2025, the annual global financial conference organized by SWIFT.

Spiegel’s statements place tokenization and digital assets at the center of the next phase of institutional finance, emphasizing that the industry is moving beyond experimentation and toward operational deployment.

According to his remarks, clients are no longer satisfied with real-time access to data alone and are increasingly demanding the ability for assets and value to move instantly, a capability that traditional systems have yet to fully deliver.

Spiegel noted that demand for always-on financial services is accelerating, particularly in emerging and fast-growing markets. He describes tokenization as a practical response to this shift, arguing that it introduces reliability and innovation that financial institutions can extend directly to their clients.

In his words, digital finance is approaching a tipping point, with tokenized assets and digital instruments transitioning from pilot programs into mainstream use.

Standard Chartered and Ripple’s Strategic Alignment

The tweet further outlines the longstanding strategic relationship between Standard Chartered and Ripple, which dates back to 2016. This relationship has included direct investment and the use of Ripple’s technology to support cross-border payment solutions.

Beyond operational use cases, Standard Chartered’s ventures arm has also been involved in several broader tokenization initiatives aligned with Ripple’s strategy.

One cited example is participation by both institutions in Singapore’s Monetary Authority Project Guardian, a regulatory-led initiative focused on tokenized assets and market infrastructure.

This involvement extends to tokenized deposit experiments for major clients, including Ant International, under programs targeting large Asian treasury operations. These initiatives reflect a coordinated approach to applying distributed ledger technology within regulated frameworks, rather than isolated proofs of concept.

APAC as a Center for Tokenization Development

According to the analysis shared in the tweet, the Asia-Pacific region is emerging as a primary environment for advancing tokenization. Regulatory conditions in several APAC jurisdictions are described as clearer and more supportive than in parts of the Western world, enabling faster progression from design to deployment.

This regulatory clarity is viewed as a key factor allowing banks and infrastructure providers to test and scale tokenized financial products with institutional clients.

Effect on XRP and the Distributed Ledger Infrastructure

The general objective described involves using distributed ledger technology to enable faster and more cost-efficient movement of value across borders. This includes exploration across multiple infrastructures, such as the XRP Ledger and SWIFT’s evolving consensus-based systems, either independently or in complementary roles.

Within this context, assets such as XRP are increasingly discussed in relation to real-world asset tokenization and global settlement efficiency, rather than purely speculative use cases.

Taken together, Spiegel’s remarks and the institutional partnerships highlighted suggest a coordinated push by major financial players to integrate tokenization into mainstream banking operations, with distributed ledger technology positioned as a foundational component of that transition.

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