Versan Aljarrah, founder of Black Swan Capitalist, has released a detailed breakdown of what he believes is the most significant financial transition in decades.
His latest update ties together gold’s renewed monetary role, the weakening of traditional debt-based assets, and the growing importance of compliant digital assets such as XRP.
The video shared includes commentary from a former BlackRock portfolio manager, explaining how these developments are shaping a new global financial structure.
Former BlackRock portfolio manager says gold is money. I couldn't agree more.
We’re moving toward a hybrid collateral model with gold as neutral collateral and XRP as the neutral settlement layer moving value across borders.
Watch how it’s being done:https://t.co/hFnfkQxJxt pic.twitter.com/YfpXg8hMHu
— Black Swan Capitalist (@VersanAljarrah) December 10, 2025
Gold Reclaims a Central Role in Global Finance
The update begins with the former BlackRock portfolio manager explaining that gold has effectively become money again after being restored as a tier-one asset under Basel III standards.
He notes that this shift is now reflected in U.S. banks and has been underway globally for years. His view is that the world is nearing the end of a long economic cycle, and major institutions are preparing for the eventual transition to a new monetary system.
Aljarrah builds on this by pointing out that gold crossing $4,000 is not a short-term event but part of a broader structural change. He highlights that banks now hold more gold than U.S. Treasuries, which signals a significant move away from paper-based debt instruments. He also notes that the U.S. dollar has already lost over 8% of its purchasing power this year, calling it a clear sign of ongoing erosion.
According to Aljarrah, the bond market—once the foundation of global stability—is now under serious strain, and this is why regulators have repositioned gold as a zero-risk, tier-one asset. He argues that gold is being reintroduced into the monetary system as collateral rather than simply an investment.
How Gold and Digital Assets Converge
The core of Aljarrah’s message is that the world is shifting toward a hybrid financial model in which physical assets, such as gold, form the collateral base, as compliant digital assets provide the infrastructure for global settlement.
He notes that institutions such as the World Gold Council, IMF, BIS, and World Bank have all acknowledged the same direction: a system where tokenized assets, stablecoins, and central bank reserves operate within an interoperable digital framework.
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Aljarrah identifies XRP as the digital asset best positioned for this role. He describes XRP as the institutional layer of the new system, supporting fast and efficient cross-border settlement and enabling liquidity without the need for pre-funded accounts. He explains that RippleNet provides the infrastructure, while XRP acts as the settlement mechanism that moves value across borders.
He also places XLM as the retail layer, designed for accessibility and global inclusion, and SHX as the infrastructure layer linking digital finance with regulated fiat on-ramps. Together, he says, they form a three-part structure capable of supporting a fully integrated financial ecosystem.
Where the Transition Is Heading
Aljarrah concludes that gold’s rise toward $5,000 is part of a long-term trend driven by structural pressures, not speculation. He maintains that the ongoing shift reflects a financial system that is moving back toward tangible value while adopting digital rails for global settlement. In this framework, gold serves as neutral collateral, and compliant digital assets provide the speed and interoperability needed for modern finance.
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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