Crypto commentator Xaif (@Xaif_Crypto) recently highlighted a quiet but notable reference to XRP that sits far from daily price noise.
His post describes a 2023 International Monetary Fund (IMF) document that grouped XRP with a narrow set of technologies relevant to future cross-border settlement systems.
The source of the publication matters because it shows institutional interest in XRP. Xaif’s comment surfaced at a time when most XRP discussion centers on charts and short-term catalysts. He shifted attention elsewhere, focusing on how global institutions describe settlement infrastructure when they speak to policymakers and financial operators.
This context adds weight because the IMF does not publish promotional material. It evaluates systems based on structure, governance, liquidity, and compliance.
📰 A 2023 IMF document placed #XRP on a short list of technologies that could support future
Cross-border settlement systems. pic.twitter.com/c6CMz5iRQk
— Xaif Crypto🇮🇳|🇺🇸 (@Xaif_Crypto) December 14, 2025
What the IMF Document Says
The attached image shows a passage from an IMF paper on fintech and payment systems. The text states that three models are emerging for settlement and marketplaces. One of those models is described as “a private settlement asset and marketplace,” and highlights XRP.
The document positions XRP alongside other structural approaches rather than treating it as an experiment or peripheral asset. The document contrasts this model with open-source marketplaces, such as Stellar or other DeFi networks, and with systems based on unbacked crypto assets.
It then explains why a public solution, potentially operated by a regulated private entity, carries advantages. These include coordination of participation and liquidity, trusted governance, operational stability, and compatibility with financial integrity standards. These criteria align closely with Ripple’s position on XRP in institutional payments.
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Why This Matters for Adoption
Xaif’s point gains strength because the IMF did not discuss XRP in a retail or speculative context. It discussed XRP as infrastructure. The IMF has recognized Ripple and XRP multiple times, and that distinction matters for adoption. Banks and payment providers do not select systems based on narratives. They select systems that solve coordination problems and meet compliance demands.
Appearing in this category validates XRP’s design and highlights its benefits. The IMF text treats XRP as an existing example of a settlement asset, not a theoretical proposal. That status supports the argument that XRP already fits into conversations about future payment rails.
Price growth follows usage over time, especially in payment networks. Liquidity-driven assets gain value as transaction volume increases. The IMF reference does not predict price targets, but it does something more important. It reinforces the case for XRP adoption and shows that it can scale within regulated environments.
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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