Singapore Accelerates Tokenization with Ledger Backing
Singapore’s MAS moves from pilots to real adoption using the XRP Ledger—for faster, energy-efficient tokenization.
Quick Take
Summary is AI generated, newsroom reviewed.
Singapore is scaling asset tokenization via XRPL under MAS’s Project Guardian, with real institutional pilots underway.
XRPL offers ultra-fast settlement—about 3–5 seconds—far outperforming Ethereum’s ~15-second blocks.
MAS facilitates commercialization through frameworks and infrastructure like GL1, promoting cross-border digital asset markets.
XRPL’s high TPS, low fees, and green consensus position it as a powerful blockchain for regulated finance.
Structuring real-world asset tokenization Singapore is moving beyond pilot projects to asset tokenization and is looking to take full advantage of real-life asset tokenization using the XRP Ledger (XRPL) to rapidly increase transaction speed, efficiency and market facilities. The XRPL guarantees finality of up to 3 5 seconds compared to the average of 15 seconds on the Ethereum. It is the operational advantage that supports the drive to develop scalable regulatory pathways of digital assets in Singapore.
Project Guardian: Emergence to Commercial operation
Singapore Monetary Authority Authorized the adoption of the XRPL in the framework of project Guardian. Started in 2022 the project has extended to encompass more than 40 worldwide organizations in numerous jurisdictions. June 2025 saw a notable pilot, tokenising a $100m in commercial real estate funded with finance giant, DBS and JPMorgan, achieving a 40 percent reduction in settlement times (3 days to under 2) flagged by a 25 percent cost savings.
MAS has also published industry frameworks, namely Fixed Income and Funds, to inform commercial tokenization and developed the Global Layer One (GL1) infrastructure to support cross border tokenized settlements.
Technical merits of the XRP Ledger Drive Real life adoption
The XRP Ledger architecture is specially designed to support high-performance applications. It can support about 1,500 TPS and low-energy computation activities- credit to its federated consensus algorithm. It has inbuilt capabilities, including escrow, payment channels, and decentralized exchange functions, which allow advanced tokenization without much friction, whereas the deals with ultra-low rate fee are optimal when it comes to the high-volume transactions.
Singapore is a magnet to tokenization using blockchains due to the regulator clarity. MAS classifies XRP as being in the Digital Payment Token category- which excludes any classification as a security- giving it a practical, compliant environment that helps build institutional trust.
The European Central Bank, in following the example of Singapore, is evaluating XRPL as the basis of its digital euro test. This scalability of the technology would benefit the use of digital asset infrastructure in the future of the EU.
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