Ripple announced an expanded partnership and minority investment in TJM Investments and TJM Institutional Services, positioning its Ripple Prime platform at the center of a push into institutional trading and capital-markets workflows. The collaboration is framed as a way to deliver regulated trade execution, clearing and financing services that shorten settlement cycles and improve capital efficiency for hedge funds, family offices and asset managers via Ripple Prime.
Embedding Ripple Prime into a regulated broker-dealer stack
The transaction gives Ripple a direct conduit into an established institutional client base without rebuilding a broker-dealer network from scratch. TJM’s status as a FINRA-registered securities broker-dealer and NFA-registered introducing broker with roughly 25 years of market presence allows Ripple to embed its technology into a regulated intermediary already subject to U.S. capital, custody and reporting obligations.
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Building on a long-standing relationship, Ripple is providing the infrastructure to support TJM’s premier execution and clearing services as they expand into digital assets.
By combining Ripple Prime’s capabilities with TJM’s institutional expertise,…
— Reece Merrick (@reece_merrick) December 19, 2025
Ripple Prime will act as the integration hub for this offering. Ripple Prime is described as a multi-asset prime brokerage platform that provides custody, execution and liquidity services for tokenized and digital assets, with tokenized real-world assets defined as conventional financial instruments represented on a ledger to enable digital trading and settlement.
The integration targets structural frictions that have historically constrained institutional adoption of digital assets, including multi-day settlement cycles, limited collateral mobility and balance-sheet drag. Under the partnership, institutions can use Ripple’s stablecoin, RLUSD, as collateral or for instant settlement in trades involving tokenized RWAs and other digital securities, compressing settlement from multi-day windows to near-instant workflows and enabling faster capital repatriation.
From a balance-sheet and clearing perspective, the arrangement is pitched as a tool to stabilize clearing and enhance collateral efficiency. Institutions are told to expect improved margin and collateral optimization—potentially lower margin requirements and greater intraday collateral reuse—by routing clearing and settlement through a regulated intermediary augmented with ledger-native rails.
By layering blockchain settlement on top of TJM’s existing compliance and risk framework, Ripple is presenting a hybrid operating model rather than a purely protocol-driven solution. The structure preserves familiar centralized controls for regulatory compliance while introducing ledger-based benefits such as faster finality and reduced settlement counterparty exposure, at the cost of requiring clients to adopt new collateral types and settlement processes within existing risk and treasury systems.
The partnership is explicitly positioned as a pragmatic step toward operationalizing institutional access to digital assets through a regulated channel rather than a wholesale reinvention of market structure. TJM plans to expand digital-asset coverage to its institutional clients in the coming months, using Ripple Prime and RLUSD settlement to anchor the combined offering.
