The tokenization of money-market funds could transform how collateral is handled by financial markets as trading transitions to continuous, 24/7 operations.
Crypto commentator X Finance Bull highlighted statements made by GSR Managing Director Andy Baehr, linking them to XRP and suggesting that the XRP Ledger could become a key player if trillions in traditional financial assets transition onchain.
Andy Baehr Explains the Collateral Challenge
Within the video shared in the commentator’s tweet, Baehr pointed out that traditional markets remain restricted by timing constraints, noting that financial institutions generally process collateral and variation-margin payments only during weekdays and a few times each day.
“If existing traditional exchanges started to accept not only stablecoins, but tokenized money market funds or tokenized treasury funds as good collateral,” Baehr stated, markets could resolve a major bottleneck in conventional financial architecture.
He noted that tokenized funds have the potential to enhance risk management and collateral movement while facilitating smoother weekend trading as financial market hours expand.
WATCH THIS $XRP HOLDERS!
Sooner or later, $10+ trillion in money-market funds will move onchain and become 24/7 collateral.
I believe XRP is built to capture a huge part of that shift.
Listen closely to what GSR Managing Director Andy Baehr is saying.
Markets cannot… https://t.co/KXtUQ5KW9F pic.twitter.com/W3YEUzdsEI
— X Finance Bull (@Xfinancebull) September 26, 2026
X Finance Bull Connects the Shift to XRP
Highlighting the scale of the global money-market fund sector at roughly $13.72 trillion, X Finance Bull suggested that tokenization would enable these funds to yield returns while being digitally transferred by institutions and potentially utilized as round-the-clock collateral.
The post linked this evolution to Ripple and XRP, pointing to a November 2025 filing with the CFTC where Ripple argued that money-market funds ought to function similarly to stablecoins. The commentator also emphasized the necessity of weekend collateral for continuous market operations.
To demonstrate that Ripple is positioning itself for this landscape, X Finance Bull pointed to various developments within the XRPL ecosystem. These include Franklin Templeton’s sgBENJI on the XRPL, along with DBS investigating sgBENJI as collateral and enabling clients to switch between sgBENJI and RLUSD at all hours.
Furthermore, the commentator mentioned BlackRock’s BUIDL and VanEck’s VBILL, which offer 24/7 exchange capabilities into RLUSD through Securitize, alongside institutional fixed-income assets in the broader XRPL ecosystem like Ondo’s OUSG and Guggenheim Digital Commercial Paper.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
XRP’s Potential Role in Institutional Settlement
Additional infrastructure focused on collateral mobility and liquidity was cited by X Finance Bull, including Ripple Treasury, Ripple Prime, and investments made by Ripple in ZILO and Licuido.
The commentator clarified that the argument does not imply a direct $13 trillion inflow into XRP. Instead, X Finance Bull asserted that XRP stands to gain from a financial ecosystem where tokenized assets are constantly in motion among institutions.
The analysis noted that activity on the XRPL relies on XRP for reserves and transaction fees, while XRP additionally supplies native liquidity routing for issued assets. Consequently, X Finance Bull argued that wider acceptance of tokenized money-market funds as 24/7 collateral could boost overall transaction volume on the XRP Ledger.
Ultimately, the growth of this market will hinge on institutional adoption of tokenized collateral and the infrastructure chosen by financial institutions, with X Finance Bull’s premise focusing on XRP’s potential utility as traditional assets migrate onchain and markets demand continuous collateral mobility.