2025’s Going to Get Crazy — $TRUMP, $XRP, $BTC… Is $OXBR + RWA Tokenization Next?

What a crazy few days it’s been.

Bitcoin’s back at over $100k.

XRP’s flying to new heights.

And did you see what just happened with $TRUMP and $MELANIA over the weekend?

Crazy.

Now, I doubt there’s much need for me to tell you what’s driving all of this. (In case you missed it, go type “Trump crypto” into Google. You’ll see a bunch of headlines that read something like, “Trump’s Inauguration Will Usher in a Crypto-Friendly Administration”.)

But here’s what I am going to tell you instead — what we’ve seen so far is NOTHING compared with what comes next.

To quote the 45th, and now 47th, President of the United States, “I’m tellin’ ya folks, it’s gonna be YUGE.”

The Next Big Thing — RWA Tokenization

Before I waste a bunch of people’s time, let me get a little prefiltering out of the way.

If you came here looking for degen meme coin tips, you ain’t gonna find them.

I’m not here to gamble.

I’m here to make money.

So no, I won’t be making predictions about what’s next for $TRUMP coin. But hey, if you want to take a shot at becoming one of the first people in history to get rugged by a sitting US president, go ahead.

Here’s what I want to do instead.

I want to look at the behemoth that’s been bubbling under the surface of all things crypto for the last year.

A behemoth that’s about to drive literal TRILLIONS worth of real-world value and deliver 100x-sized gains.

And yes, I am talking about RWA tokenization. (Don’t know what RWA tokenization is? Go read this primer on RWA tokenization.)

Now, how do I know it’s going to be big?

Here’s a quick 3-point summary:

• Institutional players are betting TRILLIONS on the space. (See Blackrock’s $10 trillion RWA tokenization commitment for one.)
• Did you notice the “tokenization” part in RWA tokenization? And do you remember all that “Trump’s Inauguration Will Usher in a Crypto-Friendly Administration” stuff?
• And finally, take a look at the chart that’s just below these bullet points.

That, dear readers, is a chart of the total value of tokenized RWA assets, as of today.

Notice how it’s starting to tilt up faster and faster?

Now, admittedly, under normal circumstances, I’m not one who’s easily convinced by lines on charts. All those technical analysis guys can take their MACDs and shove them up their RSIs, I say.

But, when the action on a chart lines up with some fundamental, ear-to-the-ground research, that’s when you’ve got my attention.

And here’s a taste of what a little ear-to-the-ground research will tell you.

• Blackrock’s $10 trillion RWA tokenization commitment is serious. In 2024 alone, they’ve already launched the first major institutional RWA tokenization fund. That crossed the $500 million mark in the blink of an eye.
• Blackrock has maintained its RWA tokenization momentum, including buying up the world’s first tokenized municipal bonds towards the end of last year.
• Other early RWA tokenization projects have been extremely successful. For example, Oxbridge Re [NASDAQ: OXBR] subsidiary SurancePlus offered $15 million worth of tokenized reinsurance contracts over two rounds. To date, they’re on track to exceed their initial goal of a 42% annualized return.
• Just about everyone who’s anyone has been hinting at RWA tokenization the last few months. This includes everyone from Robinhood’s Vlad Tenev to Boston Consulting Group (which forecasts RWA tokenization will be worth $16 trillion by 2030).
• Any crypto project worth watching has been quietly building out RWA tokenization plays. For example, see the partnership between Ripple (XRP) and RWA tokenization platform Zoniqx. (Pay attention to this one — more on this later.)
• Increasingly, we’re seeing bullish RWA tokenization articles becoming a major feature in the financial press. Here’s one example from the last week.
• All of this is just a sample.

Basically, while RWA tokenization hasn’t quite reached the stage of making major, mainstream noise, everything’s certainly pointing in the direction of that happening in 2025.

Investing in RWA Tokenization — A 100x Play You Can Make Today

Time to get down to brass tacks — how am I going to make money off of this RWA tokenization thing?

To answer that, I’ve got two words + one stock ticker — Oxbridge Re [NASDAQ: OXBR].

As for what makes Oxbridge Re so special, that largely comes down to its RWA tokenization subsidiary, SurancePlus. (Fun fact: it’s also the only real RWA tokenization play that’s currently listed on any major stock exchange.)

And as for what makes SurancePlus so special, that comes down to the space it’s been building in — tokenized reinsurance securities. This is a huge deal for a number of reasons.

1. Early-stage reinsurance tokenization startups with similar offerings to SurancePlus have been fetching handsome valuations. To give two examples, Nayms and Re were recently raised at $80 million and $100 million valuations, respectively. Meanwhile, Oxbridge Re (SurancePlus’s parent company) remains significantly undervalued (current market cap ~$30 million).
2. The way SurancePlus is structured, it basically has uncapped growth. That is, until it hits one of two limits. 1) The total size of the reinsurance market, or; 2) The number of investors looking to invest in reinsurance contracts.
3. The total size of the reinsurance market is currently $700 billion. That leaves enormous headroom for RWA tokenization players like SurancePlus.
4. The number of investors looking to invest in tokenized reinsurance contracts is growing exponentially as RWA tokenization works its way into the mainstream narrative. In particular, this is due to the enormous returns these contracts can generate.
5. SurancePlus has an enormous head start over any other player in this field. To date, it has already put up tokenized reinsurance offerings worth a total of $15 million, and is preparing to quickly ramp those offerings up.
6. Additionally, SurancePlus has a major strategic head start over any other tokenized reinsurance player in the market.

Now, on that last point, remember when I asked you to pay attention to the Ripple (XRP) and Zoniqx partnership before?

There’s a very high likelihood that the partnership will soon become a three-way with SurancePlus.

Ripple/XRP to Target SurancePlus?

Now, admittedly, this thing with XRP/Ripple targeting SurancePlus with Zoniqx is still very much at the rumor stage.

Although, there have been a few hints that something to this effect is incoming.

One such hint was the enormous number of industry events SurancePlus and Zoniqx were attending together as partners. (As a reminder, Zoniqx is a major partner XRP/Ripple partner.)

A similar pattern has also been seen with Zoniqx and Ripple. For example, see this interview with Ripple’s CTO and Zoniqx’s CEO from last year’s XRP Ledger Apex.

Now, all of this “you scratch my back” stuff between these three could just be written off as sheer coincidence. After all, the RWA tokenization space is still relatively small.

However, we’ve also got plenty of clear evidence that XRP/Ripple is more than keen to establish itself as a cornerstone of RWA tokenization infrastructure. And a big part of this strategy will revolve around leveraging its existing partnerships (E.g., with Zoniqx) while also building out new partnerships to extend the ecosystem via its Ripple Ventures arm.

And, let’s face it, when reinsurance alone stands to account for $700 billion of the estimated $16 trillion that will flow into RWA tokenization by 2030, a reinsurance play makes a lot of sense. $700 billion is a very big chunk of the total RWA tokenization space.

Here’s what that could look like:

• Currently, as a subsidiary of Oxbridge Re, SurancePlus is only issuing tokenized reinsurance securities on behalf of its parent company.
• By spinning SurancePlus out of Oxbridge Re (which Oxbridge Re is open to), SurancePlus would be free to become the preferred “tokenizer” for the entire reinsurance industry.
• However, to do this, a more ‘complete’ solution would be needed, such as an established blockchain (Ripple/XRP), and an established investor-facing RWA tokenization platform (Zoniqx).
• SurancePlus has one of the only (if not the only) proven tokenized reinsurance offerings on the market. 
• XRP + Zoniqx + SurancePlus, taken together, would become almost impossible to beat — a sort of “one-stop shop” for anyone in the reinsurance industry looking to tokenize. This would likely push other entrants into the tokenized reinsurance space to the sidelines.
• This makes SurancePlus an extremely attractive target for XRP and Zoniqx.

What’s the Timing On All of This, and What Does This Mean for Oxbridge Re Investors?

Now, to be totally honest, I have no idea what the timing on any of the above will be.

However, I can make a pretty good guess based on the following:

• Trump’s presidency is going to drive the entire crypto ecosystem into overdrive.
• Blackrock and Co. are going to use the moment as an opportunity to really start pushing the RWA tokenization theme.
• This will increasingly thrust RWA tokenization further into the mainstream crypto narrative over the course of this year.
• XRP/Ripple and Zoniqx will likely want to get ahead of the curve here. This will see them pushing hard to make a proper reinsurance play happen before RWA tokenization really takes off.
• With SurancePlus having the only proven reinsurance security on the market right now, PLUS all the “coincidental” back-scratching we’ve seen from the trio, PLUS Oxbridge Re’s [NASDAQ: OXBR] interest in spinning out SurancePlus, it’s hard to see how that reinsurance play is going to work without SurancePlus.

Now, as for what all of that means for Oxbridge Re [NASDAQ: OXBR] investors, consider valuations given to early-stage startups in the space. Before, I mentioned Nayms and Re (Nayms and Re — $80 million and $100 million valuations), both of which far exceed Oxbridge Re’s current market cap.

Now add onto this two additional factors that will push up the SurancePlus valuation:

• SurancePlus has a proven product with a proven demand from investors, putting it well beyond the early-stage startup level.
• Nayms and Re’s valuations came at a time when RWA tokenization was barely a blip on the radar. 2025’s generalized crypto fever combined with Blackrock and Co. pushing the RWA tokenization narrative will massively boost the “FOMO” factor that’s such a huge part of these sorts of valuations.

Long story short, don’t be surprised to see Oxbridge Re deliver something in the ballpark of 100x gains over the course of 2025.

That might sound crazy, but there’s a good case to be made for exactly that to happen.

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(Featured image by Alesia Kozik via Pexels)

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