XRP Ledger May Get A Tokenized Gold Upgrade, Web3 Founder Reveals

Tokenized gold is getting fresh attention in the XRP community, and some voices are saying the technology is ready. According to posts from XRPL developers and industry figures, the ledger can support 24/7 access, quick transfers, and integration with automated market makers.

Meld Gold is cited as a concrete step: reports have disclosed that Meld partnered with Ripple in June 2024 and launched gold and silver tokens in Q3 2024, with each token backed by one gram of physical metal held by trusted providers. That move put an actual product on the ledger instead of just talk.

Tokenized Metals Moving Toward XRPL

Advocates argue that having on-ledger tokens backed by real metal changes the use case for XRP and the XRPL. Phil Kwok, co-founder of Web3 technology company and education platform EasyA, told followers that “tokenized gold is coming to the XRPL,” and validators like Vet pointed out the technical fit.

Vet highlighted features such as constant availability and links to DeFi tools, and raised the question of why broad adoption has not happened yet. Some future features, including lending and escrow, were mentioned as ways to make tokenized metals more useful.

Market Demand And The Incentive Gap

Demand already exists in other corners of crypto. Reports note Paxos and Tether manage billions of dollars’ worth of tokenized metals, showing investor interest is real. Still, execution matters.

Pano Mekras of Anodos Finance told the discussion that incentives are likely the missing piece; large firms may be reluctant to launch products on the XRPL unless there are clear economic reasons to do so. Attracting high-volume projects may require active outreach and stronger on-ledger incentives.

Based on reports, XRP’s price moved above $2 early in January 2026 and touched around $2.41 during a broader crypto upswing. The token later settled near $2 as traders digested gains.

A pullback of roughly 14% has been reported since the highs, and trading has shown both inflows from institutions and bouts of profit-taking. There is no clear proof that tokenized metals have driven these swings, however; market moves are being tracked separately from on-ledger product launches.

If more tokenized metal products arrive, the XRPL could find new uses beyond payments. Trading and settlement for gold and silver tokens would add transaction volume and could open room for new DeFi tools built around those tokens.

Adoption will depend on custody arrangements, audit practices, and regulatory clarity, areas observers say still need work. Economic incentives, as Mekras warned, will play a key role in whether major issuers come onboard.

Featured image from Unsplash, chart from TradingView