Crypto researcher SMQKE has identified single-block settlement finality as a key feature that could make XRP and XLM attractive to institutional users.
In a tweet, SMQKE explained that both networks have a characteristic institutions want as financial firms increasingly explore blockchain-based settlement and tokenized assets.
SMQKE based the claim on comments from Ripple’s stablecoin lead, Lauren Berta, who discussed settlement finality during a presentation at TokenizeThis by RedStone. Berta explained why achieving finality within a single block matters for payment companies operating at scale.
“I feel so strongly about this one,” Berta said, explaining that the XRP Ledger offers single-block finality. She connected the feature to institutional applications involving transactions that require both sides of a trade to settle simultaneously.
‼️XRP AND XLM HAVE EXACTLY WHAT INSTITUTIONS WANT: SINGLE-BLOCK FINALITY‼️
Directly from Ripple’s Lauren Berta.
This is why institutions will consistently choose XRP and XLM.✅
Listen closely.👂 pic.twitter.com/NJO1h0sa16
— SMQKE (@SMQKEDQG) September 15, 2026
XRP Ledger Settlement And Institutional Transactions
Berta specifically discussed delivery versus payment, or DVP, which requires asset delivery and its corresponding payment to occur at the same time. She referenced Ripple’s work with Aviva and Franklin Templeton on repo proofs-of-concept, noting that these applications require DVP.
She explained that both parties must sign the transaction before the trade executes simultaneously. In this setting, settlement certainty becomes important because institutions need confidence that a completed transaction will remain final.
Berta contrasted the XRP Ledger and Stellar with proof-of-stake networks where transactions may require multiple confirmations before users consider them fully settled. She acknowledged that the risk of a transaction being overturned becomes extremely low after enough confirmations, but said the additional waiting period creates challenges for businesses operating at scale.
Ripple Executive Explains The Settlement Challenge
Berta also discussed Ripple’s approach to settlement on other blockchain networks through its MintBurn product. She explained that Ripple takes a conservative approach and may wait for 20 blocks before treating a transaction as settled, even when a custody platform such as Fireblocks can be configured to recognize settlement after fewer confirmations.
The difference can create operational delays. Berta said Ripple needs sufficient certainty that it has received the stablecoin before releasing assets from its reserves. She described this process as a major scalability problem because waiting for multiple blocks can make settlement more difficult as transaction volumes increase.
She then identified Stellar and the XRP Ledger as networks with single-block settlement finality.
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SMQKE Links Finality To Institutional Adoption
SMQKE used Berta’s comments to support the view that XRP and XLM possess features that could influence institutional blockchain choices. The researcher wrote that the two networks have “exactly what institutions want” and suggested that institutions will consistently choose XRP and XLM because of this capability.
Berta also suggested that blockchain usage could increasingly influence liquidity decisions as the industry matures. She said more mature businesses cannot operate effectively with uncertainty around consensus.
For SMQKE, the comments provide a direct example of how settlement architecture can matter to institutional adoption. As financial companies develop tokenized assets, payments and other blockchain-based applications, the speed and certainty of final settlement could become an important factor in selecting a network.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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