- MUFG to tokenize real estate, spotlight shifts to XRP’s role.
- XRP Ledger selected as backbone for Japan’s property tokenization plan.
- Pumpius reveals MUFG’s move sparks $100 trillion tokenization trend.
Japan’s largest financial institution, Mitsubishi UFJ Financial Group (MUFG), is preparing to tokenize real estate assets for both retail and institutional investors. This is a major step in the blockchain implementation process in Japan, moving the focus squarely on XRP as an essential part of the backbone.
According to blockchain analyst Pumpius (@pumpius), MUFG’s tokenization initiative marks a clear shift in Japan’s financial strategy. Rather than treating blockchain as a limited trial, the bank is actively developing infrastructure to enable global asset mobility through XRP and its ledger technology.
MUFG has been partnering with RippleNet over the past years. The company had already entered a memorandum of understanding with Bradesco, a Brazilian bank, to test cross-border payment solutions using Ripple’s technology.
As real estate tokenization is underway, MUFG is using that initial experience to take its blockchain application to asset classes with higher valuations.
Pumpius mentioned that this shift would be a paradigm shift since it would allow real estate that has always been viewed as illiquid and clunky to be converted into transferable, on-chain digital tokens.
JAPAN JUST SIGNALLED THE TOKENIZATION RESET — MUFG IS MOVING 🇯🇵⚔️
MUFG, Japan’s largest bank, is set to tokenize real estate for both retail and institutional investors.
XRP stands at the center of this storm. Here’s what it means — deep dive time.🧵🧵🧵 pic.twitter.com/FtGOpASCc5
— Pumpius (@pumpius) July 27, 2025
XRP Ledger, designed to be fast, has low transaction fees, and features such as ISO 20022 compliance make it an optimal platform for such a transformation.
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MUFG’s Strategic Blockchain Direction Strengthens XRP’s Role in Asset Settlement
In a series of posts, Pumpius highlighted MUFG’s broader involvement in blockchain-related initiatives. The bank is a key member of SBI Ripple Asia, a consortium that connects 80 percent of Japanese banks to XRP-based solutions.
It also plays a significant role in Project Pax, which deploys the issuance of stablecoins and tokenized deposits in the Japanese financial system.
Clarifying that most of the crypto market worldwide still thrives on speculative tokens, he added that institutions such as MUFG are shifting their targets towards real-world assets. All the tokenization activities are implemented in silence, with XRP as the key instrument for settling values and issuing digital assets.
Pumpius said that this move is not a tech experiment but the first step of a 100-trillion tokenization trend.
Whether it is the concept of central bank digital currencies (CBDCs) or real estate and other tokenized assets, XRP is being prepared as a middle ground that can facilitate the issuance and settlement, offering both liquidity and efficiency.
The adoption of XRP in the project implies an increasing tendency to abandon traditional finance systems. MUFG is providing a foundation for a system in which tokenized representation of real-world assets (RWAs) moves alongside the XRP Ledger, offering a straightforward settlement independent of the legacy rails.
The fact that MUFG has entered the area of large real estate digitalisation confirms the trend of blockchain transforming the asset management industry.
As Pumpius noted, XRP is no longer just a digital token. It is becoming a central pillar in Japan’s future financial architecture, supporting the movement of value across a newly emerging tokenized economy.
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