Gold is no longer just a hedge against inflation—it’s becoming a foundational anchor in reserve architectures. According to the World Gold Council’s 2025 survey, 95 % of central banks expect their gold holdings to increase over the next year, and nearly three-quarters expect lower U.S. dollar reserves.
Growing demand from major reserve managers signals a strategic pivot toward assets that offer stability and deep liquidity.
XRP as the Digital Settlement Rail
Meanwhile, the XRP Ledger (XRPL) is evolving from a payments chain into a settlement layer engineered for institutions.
With live features such as credentials, deep-freeze account controls, and plans for confidential collateral flows using zero-knowledge proofs, XRPL is positioning itself for regulated workflows and large-scale asset movement.
What no one is talking about is how gold is becoming the foundation for systemic stability, underpinning institutional liquidity rather than being treated as a tradable commodity for short-term gains.
At the same time, no one is talking about how #XRP is emerging as the…
— Black Swan Capitalist (@VersanAljarrah) November 3, 2025
Bridging the Two Worlds
The narrative outlined by Versan Aljarrah, founder of Black Swan Capitalist, hinges on gold anchoring value while XRP moves it globally in real-time.
His thesis identifies a system: gold provides intrinsic value, XRP functions as the transfer mechanism. While gold secures the collateral layer, tokenized liquidity and on-chain settlement rails like XRPL handle cross-border flows.
Institutional Developments That Underscore the Framework
On one side, central banks are actively buying gold and treating it as a strategic asset rather than a speculative play. On the other hand, Ripple Labs has launched its institutional-grade USD-backed stablecoin RLUSD and tied custody and tokenization infrastructure to XRPL.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
For example, RLUSD now integrates with tokenized funds from major asset managers for 24/7 liquidity. Moreover, XRPL’s ledger has broken into the top-ten networks for real-world asset activity and stablecoin volume.
What It Means for Global Finance
In practical terms, this architecture allows institutions to hold gold-backed reserves, collateralize tokenized instruments, and execute cross-border transfers with low latency.
Gold secures the value layer, RLUSD and tokenized assets provide liquidity, and XRP and XRPL support settlement. Versan Aljarrah’s insight connects these discrete strides into a coherent system-level evolution.
Critical Considerations and Outlook
Several variables still matter: regulatory clarity for tokenized gold and digital assets, operational execution of XRPL’s next-gen features like confidential multi-purpose tokens, and macro-tail risks (e.g., currency de-pegging, extreme liquidity shocks).
As institutions transition from pilot to deployment, the plumbing is being installed—but full adoption may yet take time.
In essence, the gold-XRP synergy is not a speculative overlay; it is a working architecture emerging at the intersection of reserve strategy, digital settlement infrastructure, and institutional tokenization. When one understands how systems should function and connects the emerging data points, the trend becomes clear.
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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