Finance analyst Versan Aljarrah recently explained that the future of international finance could depend on an interoperability layer that could connect different digital currencies and payment systems.
He said, “Whoever owns the interoperability layer owns the next SWIFT,” while pointing to the Bank for International Settlements (BIS), Ripple, and central banks as important participants in developing this emerging infrastructure.
According to Aljarrah, the BIS has increasingly addressed interoperability in its discussions about a financial system involving multiple central bank digital currencies (CBDCs). He also highlighted Ripple’s participation in a working group focused on standards, arguing that this involvement places the company within discussions about how different financial networks could communicate.
Aljarrah said investors should not expect an official announcement declaring XRP as the next global settlement asset. Instead, he believes the more significant development is the work conducted around interoperability and Ripple’s role in those discussions.
Whoever owns the interoperability layer owns the next SWIFT.
The BIS is writing that script in speeches. @Ripple is already in the working group that writes the standards. Central banks are already testing the rails.
Don’t wait for a press release that says “XRP is official.”… https://t.co/MJmdrKewD3
— Versan | Black Swan Capitalist (@VersanAljarrah) August 31, 2026
XRP and Cross-Border Settlement
In his accompanying July 2025 article, Aljarrah presented a broader argument for XRP’s potential role in global finance. He focused heavily on cross-border payments and Ripple’s payment infrastructure, particularly the use of XRP as a bridge asset for moving value between currencies.
Aljarrah argued that traditional international payment arrangements require financial institutions to maintain liquidity across different jurisdictions, creating capital inefficiencies and increasing settlement costs. He contrasted this model with a system in which XRP could facilitate transfers between currencies without requiring institutions to maintain extensive pre-funded accounts.
He described this potential use case as one component of a larger financial infrastructure that could support faster settlement across international payment corridors. He also argued that expanding institutional usage would create greater demand for XRP liquidity.
CBDCs and Interoperability
Central bank digital currencies form another major part of Aljarrah’s thesis. He argued that CBDCs will require interoperability because digital currencies issued by central banks would otherwise remain confined to separate networks.
According to his article, Ripple’s work on CBDC infrastructure could provide technology for governments and financial institutions developing digital currencies. Aljarrah believes XRP could potentially operate as a bridge between different forms of digital money if institutions require a neutral asset for cross-border settlement.
His latest post connects this argument directly to his view of the BIS. By emphasizing the institution’s focus on interoperability and Ripple’s participation in standards-related work, Aljarrah suggests that developing interconnected financial networks could become more important than any single announcement about XRP.
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Tokenization and XRP Liquidity
Aljarrah also linked interoperability to the broader tokenization of financial assets. He says tokenized bonds, currencies, equities, commodities, real estate and other assets will require efficient settlement infrastructure as adoption expands.
In his view, high transaction volumes would require deeper liquidity and could increase XRP’s operational importance if the asset becomes widely used for settlement between different networks.
Aljarrah ultimately maintains that XRP’s long-term valuation would depend on the scale of financial activity it supports, not short-term market speculation. His argument centers on the idea that an increasingly digital financial system will require infrastructure that could connect separate networks, and he believes Ripple’s involvement in interoperability efforts is an important development to watch.
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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