A recent post by Versan Aljarrah, co-founder of Black Swan Capitalist, has reignited debate about XRP’s long-term positioning within the global financial system.
Aljarrah’s statement suggested that XRP’s evolution is already beyond retail market speculation. It now focuses instead on its institutional trajectory.
Aljarrah wrote, “For the IMF to adopt an asset, sovereign nations must adopt it first.” He followed this with a reference to Ripple’s future holdings, adding that once the company lowers its XRP below the “Clarity Act threshold,” it would “open the door for global use without risk.” He concluded, “That’s how XRP becomes a global reserve asset where its price isn’t discovered, it’s set.”
For the IMF to adopt an asset, sovereign nations must adopt it first.
Once Ripple lowers its $XRP holdings below the Clarity Act threshold, it opens the door for global use without risk.
That’s how $XRP becomes a global reserve asset where its price isn’t discovered, it’s set. https://t.co/SqnKPXlqt1
— Black Swan Capitalist (@VersanAljarrah) October 31, 2025
The Shift from Speculation to Systemic Use
Aljarrah’s post builds on ideas he expressed in 2022, asserting that XRP’s value had already been determined. He argued that global financial institutions and central banks had agreed on XRP’s role long before retail markets understood its purpose.
The logic follows the model of traditional markets, where institutional investors negotiate valuations before a company goes public. In XRP’s case, Aljarrah drew parallels to a “pre-IPO” stage that occurred behind the scenes with major banks and financial authorities.
He maintained that XRP, as a bridge currency and liquidity instrument, was already being positioned within global financial frameworks. This process, according to him, extends beyond speculation and enters the realm of structured financial planning among sovereign and institutional participants.
Institutional Control and the Next Phase
Aljarrah tied XRP’s role to the World Economic Forum’s concept of Stakeholder Capitalism, a system in which central banks and large financial entities coordinate to shape the monetary order.
He claimed that these institutions have already integrated Ripple’s technology within early-stage systems across several regions, suggesting that XRP’s price and utility are linked to global liquidity needs rather than market volatility.
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The central point of his latest post is that global adoption depends on regulatory clarity and Ripple’s reduced control over XRP’s supply. Ripple’s holdings dropping below the threshold that defines significant influence would allow the asset to function within the same frameworks governing sovereign monetary systems.
What This Means for XRP’s Future
If Aljarrah’s assessment proves accurate, XRP’s next phase would mark a transition from market-driven valuation to institutional utility pricing. The “set” price he references implies a model in which central banks and transnational entities determine XRP’s value through contractual use rather than open-market discovery.
Aljarrah’s argument reinforces the notion that XRP’s future will be decided by policy and integration, not by retail sentiment. He sees this evolution as a necessary step toward establishing XRP as a neutral settlement layer for cross-border 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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