Conventional explanations of monetary policy often focus on central bank announcements and interest rate decisions. Versan Aljarrah of Black Swan Capitalist recently emphasized that this view overlooks a critical operational layer within the financial system.
According to his assessment, while the Federal Reserve communicates policy direction, the U.S. Treasury works in coordination with major banking institutions to manage liquidity across the system.
This coordination is increasingly constrained by the limitations of traditional settlement infrastructure, which was not designed for real-time financial flows at today’s scale.
Aljarrah’s commentary places attention on the growing mismatch between modern liquidity demands and legacy settlement rails. He argues that delays inherent in existing systems create inefficiencies that can affect stability during periods of heightened financial stress.
As transaction volumes grow and cross-border capital movement accelerates, the need for immediate settlement has become more pronounced for both public and private institutions.
While the Fed announces policy, the Treasury coordinates with banks to manage system-wide liquidity. Traditional settlement systems can’t keep pace, so institutions are adopting @Ripple and XRP to move real money in real time and maintain stability. pic.twitter.com/VLSsEBecAb
— Black Swan Capitalist (@VersanAljarrah) December 19, 2025
Limitations of Legacy Settlement Systems
The core of Aljarrah’s position centers on the inability of traditional settlement networks to process transactions quickly enough to support system-wide liquidity management. Batch processing, delayed reconciliation, and reliance on intermediaries introduce friction at moments when speed and certainty are required. These constraints, in his view, have encouraged financial institutions to seek alternatives that allow funds to move continuously rather than in scheduled intervals.
In this context, Aljarrah points to the adoption of Ripple’s payment infrastructure alongside XRP as a practical response to these challenges. He suggests that institutions are prioritizing solutions capable of moving real value in real time, particularly when maintaining liquidity and settlement finality is critical to overall market stability.
Institutional Adoption and Treasury Operations
Expanding on this perspective, X user Crypto Dog highlighted that institutions are not merely evaluating such technologies but actively integrating them into treasury and settlement operations.
He noted that tools such as Ripple’s On-Demand Liquidity and the XRP Ledger are being used to facilitate instant settlement and real-time treasury flows, reducing dependence on prefunded accounts and delayed clearing mechanisms.
Crypto Dog further referenced the acquisition of GTreasury as a signal of growing corporate involvement. He argued that this development demonstrates how large enterprises managing trillions in assets are incorporating XRP-based bridges into their financial operations. From this viewpoint, the shift is not limited to banks but extends to corporates seeking more efficient liquidity management frameworks.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
Implications for Financial Infrastructure
Taken together, these observations frame a major transformation underway in global finance. Aljarrah’s analysis suggests that real-time settlement is becoming an operational necessity rather than a technological experiment. As institutions adjust to this reality, legacy systems face increasing pressure to evolve or risk obsolescence.
The combined emphasis from Aljarrah and Crypto Dog underscores a central theme: maintaining financial stability in a rapidly evolving global economy requires infrastructure capable of keeping pace with the speed of modern liquidity demands.
For a growing number of institutions, XRP-enabled settlement is being positioned as a functional component of that transition rather than a speculative alternative.
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.
Follow us on X, Facebook, Telegram, and Google News
