Commentary from X Finance Bull has reinforced the idea that many of the settlement capabilities now being discussed at the institutional level are already operational within the XRP Ledger.
Responding to a post by crypto enthusiast ProfessoRipplEffect, the commentator argued that senior custodial executives are effectively describing systems that already exist, rather than outlining distant technological ambitions. This perspective presents XRP as a functioning infrastructure that has yet to be fully reflected in market valuation.
The focus of the comment was on statements made by Lisa Rossi, Global Head of Liquidity and Investment Product Management at State Street, a major global custodian.
X Finance Bull emphasized that Rossi’s description of settlement modernization closely mirrors XRPL’s core attributes, including real-time finality, programmable liquidity, and direct connectivity with existing payment and settlement systems. The commentary positioned XRP as an active component within institutional finance rather than a speculative asset.
⚠️ listen to the end⚠️
🌹Lisa Rossi
Global Head of Liquidity and Investment Product Management
State Street 👀🌹🔥The XRPL + XRP provide T+0 final settlement and atomic, on-demand liquidity that enables every attribute Rossi describes, all while interoperating with banks, RTGS… https://t.co/D109foggm6 pic.twitter.com/yzUbbaOvqw
— ProfessoRipplEffect (@ProfRipplEffect) December 29, 2025
Institutional View on Settlement Progress
In the interview shared by ProfessoRipplEffect, Rossi discussed the industry’s recent transition from T+2 to T+1 settlement in the United States and the planned move by the United Kingdom in 2027.
She explained that while the shift was expected to place pressure on liquidity, the actual impact was less severe due to extensive preparation by banks and market participants.
According to Rossi, the process highlighted that the industry has not yet achieved atomic settlement, signaling the necessity of additional technological advancement.
Rossi also addressed how distributed ledger technology can improve settlement efficiency. She pointed to increased transparency, end-to-end processing visibility, and automation as key improvements that reduce manual intervention and operational friction. These elements, she suggested, are essential for managing liquidity more efficiently as markets continue to evolve.
Interoperability as a Central Requirement
A recurring theme in Rossi’s remarks was the importance of systems working together. She stated that tokenized deposits, CBDCs, and stablecoins are likely to operate alongside traditional fiat systems rather than replace them. She argued that success depends on reliable connections between these instruments and a reduction in fragmentation across markets.
X Finance Bull linked this institutional position directly to the XRP Ledger, stating that XRPL already supports interaction with banks, RTGS systems, CBDCs, stablecoins, and existing payment rails without requiring extensive system redesign. From this perspective, XRP serves as a liquidity tool that fits naturally with a mixed financial environment.
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— TimesTabloid (@TimesTabloid1) June 15, 2025
Valuation Lag and Market Alignment
The commentary concluded by asserting that current XRP pricing reflects narrative-driven trading rather than deployed technology. X Finance Bull suggested that as regulatory clarity improves and capital increasingly aligns with systems that are already live, the gap between perception and utility may narrow.
The post describes this period as one of transition, where institutional messaging and operational capability are moving closely, potentially reshaping how XRP is assessed within financial markets.
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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