Drawing on a detailed visual structure that connects international regulatory bodies, banking standards, and blockchain networks, the post argues that major global institutions have already determined XRP’s role and the mechanisms that will shape its future valuation.

According to CryptoTank, the remaining uncertainty is not whether XRP will be utilized at scale, but how its price will ultimately be set and when formal approval will be granted.

The price of XRP has already been agreed to by the BIS, WEF, and all central banks. The ONLY questions are, what is that price and when will they green light it? Will they start it at 3 digits, 4 digits, and gradually increase it over the years, OR will they reprice it at $10k,… pic.twitter.com/I1pahW7Fhk

— CryptoTank (@Tank2033js) January 11, 2026

Institutional Structures and Regulatory Context

The images attached to the post outline a network of international organizations, including the Bank for International Settlements, the International Monetary Fund, the World Economic Forum, and standard-setting bodies such as ISO and SWIFT.

CryptoTank’s presentation connects these institutions to Basel III banking rules, capital tier classifications, and liquidity requirements. Within this framework, digital assets and tokenized instruments are portrayed as components of future settlement infrastructure rather than speculative instruments.

The material emphasizes Basel III’s focus on Tier 1 capital, reserve quality, and liquidity management, suggesting that compliant digital assets would need to integrate seamlessly into these requirements. CryptoTank positions XRP within this context as an asset designed for high-value settlement, cross-border transfers, and institutional liquidity management under internationally recognized standards.

XRP, Interoperability, and Asset Backing Concepts

The visual material also associates XRP with interoperability layers alongside networks such as Stellar, Algorand, and XDC, each shown in relation to specific institutional or industrial use cases.

In CryptoTank’s interpretation, these networks are aligned with tokenized representations of real-world assets, including precious metals and commodities, presented as one-to-one backing models. XRP is specifically positioned as a bridge asset within this system, intended to facilitate large-scale value transfer rather than retail payment use.

Within this narrative, XRP’s relevance is not driven by market trading dynamics but by its perceived readiness for integration into institutional settlement rails governed by international standards.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Pricing Assertions and Forward Outlook

The most consequential claim in CryptoTank’s post is that the price of XRP has already been agreed upon by global financial authorities, including central banks, with public confirmation yet to occur.

The post argues that the only open questions are the timing of official approval and whether the valuation will be introduced incrementally or through a significant repricing event. Possible valuations range mentioned span from three- or four-digit levels to substantially higher figures.

CryptoTank concludes that clarity on this issue is approaching, implying that forthcoming developments will reveal whether XRP’s price is adjusted gradually over time or reset at a level reflecting its proposed institutional role. The post suggests that this outcome is imminent and portrays XRP’s future valuation as the result of policy action rather than market forces.

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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While such an outcome remains hypothetical, recent commentary from industry figures has renewed debate about the regulatory future of cryptocurrencies and their possible role within the global banking system.

The discussion gained attention after Jake Claver, Chief Executive Officer of Digital Ascension Group, stated on X that XRP may be progressing toward use as a global settlement bridge. 

He further suggested that, over time, XRP could potentially receive recognition from the BIS at the highest regulatory level. His remarks have encouraged renewed examination of what Tier-1 classification means and whether such a designation is realistically achievable for a crypto asset.

XRP is looking more and more like it will claim it's spot as a global bridge asset and possibly be recognized by the BIS as tier-one asset in the future.

— Jake Claver, QFOP (@beyond_broke) January 6, 2026

The Tier-1 Assets Under BIS Standards

Under the Basel framework developed by the BIS, Tier-1 assets represent the strongest and most reliable components of a bank’s capital structure. These assets are designed to absorb losses during periods of financial stress and form the foundation of a bank’s solvency position. 

Regulators require institutions to maintain strict minimum thresholds of Tier-1 capital to ensure systemic stability.

Tier-1 capital is divided into two categories. The first, Common Equity Tier-1 (CET1), consists of common shares, retained earnings, and disclosed reserves. Banks are required to hold CET1 capital equal to at least 4.5% of their risk-weighted assets. 

The second category, Additional Tier-1 capital, includes instruments such as contingent convertible bonds that can absorb losses by converting to equity or being written down if a bank’s financial condition deteriorates.

Assets traditionally associated with Tier-1 treatment include cash held at central banks, high-quality sovereign debt issued in domestic currency by highly rated governments, and fully allocated physical gold held directly by financial institutions.

How Cryptocurrencies Are Currently Classified

At present, cryptocurrencies do not fall within the Tier-1 category under BIS regulations. Instead, the BIS has introduced a separate framework that governs how banks may interact with digital assets. This framework divides crypto assets into two broad groups based on their risk characteristics.

Group 1 includes tokenized versions of traditional assets and certain stablecoins that meet stringent backing, redemption, and governance requirements. When these conditions are satisfied, banks may treat such instruments similarly to the assets they represent. Algorithmic stablecoins, however, are excluded from this group.

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Group 2 encompasses unbacked cryptocurrencies, including XRP, Bitcoin, and Ethereum. These assets face the most restrictive capital requirements. Banks are generally limited to holding small exposures to Group 2 assets, often capped at 1% to 2% of their Tier-1 capital, reflecting regulatory concerns about volatility and risk.

Hypothetical Impact of Tier-1 Recognition on XRP

Despite these limitations, some XRP supporters continue to explore scenarios in which regulatory treatment could evolve. Claver’s comments contributed to renewed discussion about the potential consequences if XRP were ever removed from the Group 2 category and granted Tier-1 recognition.

To assess this possibility, an analysis was conducted using Google Gemini AI. According to Gemini, a reclassification of XRP to Tier-1 status would fundamentally alter how banks could engage with the asset. Financial institutions would no longer face punitive capital charges and could potentially treat XRP like reserve assets.

Under a purely hypothetical scenario in which such regulatory changes occurred by 2026, Gemini estimated that XRP’s price could range between $15 and $22, driven by increased institutional demand and broader integration into financial infrastructure.

It’s essential to highlight that BIS regulations do not allow unbacked cryptocurrencies to be categorized as Tier-1 assets. The Basel framework reserves this classification for traditional capital components, sovereign exposures, and physical gold. Digital assets operate under a distinct regulatory structure specifically designed to reflect their higher risk profile.

Any upgrade in XRP’s regulatory standing would require a fundamental reassessment of how international regulators evaluate digital assets. Without clear evidence of long-term stability, systemic relevance, and consistent institutional use, existing capital rules are unlikely to change. 

As things stand, Tier-1 classification remains a speculative concept rather than a realistic regulatory milestone.

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 urged to do in-depth 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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This atomic-settlement goal links distributed-ledger networks and traditional financial infrastructure. Surprisingly, a real-world blockchain like XRPL already mirrors many of Meridian’s conceptual guarantees.

In a recent post on X, analyst SMQKE highlighted this resemblance — and the comparison is more than rhetorical. XRPL appears to behave like a live version of Meridian’s proposed “Neutral Settlement Layer” (NSL), where a cross-ledger exchange either completes everywhere or aborts everywhere.

What Is Project Meridian?

Project Meridian was launched by BIS (through its Innovation Hub) and partner central banks to explore how traditional payment systems could work with distributed‐ledger platforms. The goal: to permit simultaneous exchange of central bank money (via RTGS systems) and other assets on different ledgers. 

THE XRPL DEMONSTRATES THE SAME ATOMIC SETTLEMENT MODEL USED IN BIS PROJECT MERIDIAN

XRPL Bank of International Settlements

“The NSL's purpose is to ensure that a cross-ledger exchange either completes everywhere or aborts everywhere.”

NSL = Neutral Settlement… https://t.co/akV1iEpMSO pic.twitter.com/MQ7FsPbMdI

— SMQKE (@SMQKEDQG) November 25, 2025

A new entity — the “synchronisation operator” — would coordinate these exchanges. If one leg fails, both legs are reversed. 

In the 2025 FX-focused iteration, Project Meridian FX successfully demonstrated payment-versus-payment (PvP) settlement across different payment infrastructures. Settlements occurred atomically, eliminating the risk of one party depositing funds while the other fails to deliver the asset. 

Meridian’s design is ledger-agnostic: it can link real-time gross settlement systems with DLT platforms. The synchronisation operator serves as a generic interface between differing systems and assets. 

XRPL’s Atomic Settlement Mechanisms

From its inception, XRPL was built as a fast, efficient, open-source ledger for value transfer. Transactions settle in 3–5 seconds, with very low fees and deterministic finality. 

Beyond simple XRP transfers, XRPL offers advanced transaction types — including cross-currency payments, escrow, payment channels, and more. These tools allow for atomic settlement of multi-asset or multi-step transfers without external intermediaries. 

For example, cross-currency payments on XRPL are atomic. That means either the entire payment — converting asset A to asset B — completes, or nothing executes at all. There is no way to end up in a partial state. 

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Escrow and payment-channel features further enable conditional or time-locked settlements. Funds sit until specified conditions are met. Only then does distribution occur — or else funds are returned. This behavior resembles the “either-all or none” guarantee central to Meridian’s synchronized settlement. 

Additionally, recent upgrades such as the “batch transactions” amendment allow grouped operations to execute atomically. Multiple transactions can be bundled and processed together as a single unit, reducing the risk of partial execution. 

Why the Comparison Matters

On the surface, Project Meridian and XRPL differ: Meridian assumes a synchronization operator sitting between RTGS systems and DLT platforms; XRPL requires no external orchestrator — its protocol is the coordination layer. But the end goal is nearly identical: to guarantee settlement finality across systems.

XRPL shows that atomic, deterministic, multi-asset settlement is not just a theoretical construct. It is already built, live, and functional. For institutions and central banks evaluating cross-ledger settlement architectures, XRPL represents a proof-of-concept of what a neutral settlement layer could look like — without needing a centralized operator.

Conversely, Meridian offers a design blueprint for how XRPL-style atomic settlement could scale across entirely distinct infrastructures. Its approach is ledger-neutral and asset-agnostic, implying that the same atomic guarantees could apply to fiat, CBDCs, stablecoins, bonds, equities, or real-world assets.

XRPL and Project Meridian — though born in different spheres — converge on a shared principle: settlement must be all-or-nothing. Thanks to XRPL’s built-in atomic transaction types and escrow/payment-channel capabilities, the ledger delivers the core promise of a “synchronisation operator,” but embedded natively.

As SMQKE pointed out, XRPL effectively operates as a deterministic coordination layer — a real-world analogue of Meridian’s neutral settlement concept. That resemblance underscores XRPL’s importance for global finance. 

It suggests that the ledger could serve as a foundational infrastructure for future cross-ledger, cross-asset, and cross-jurisdiction payment systems, without surrendering atomic guarantees.

In short: XRPL is already proving what Project Meridian envisions — and doing it today.

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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The tweet, which included a video by XRP YouTuber and crypto enthusiast Working Money, referenced an official Basel Committee letter dated August 19, 2025.

The document from the Bank for International Settlements (BIS) identifies a select group of cryptocurrencies, including XRP, as compliant assets under liquidity classifications set out by Basel III regulations.

In the video, Working Money explained that the Basel Committee’s letter classifies certain digital assets as Group 2A crypto assets. Under the committee’s framework, these assets must meet three hedging recognition criteria to be placed in this category.

Only Bitcoin, Ethereum, XRP, Solana, and Dogecoin were listed as meeting these requirements. This classification is significant because it means banks can use these assets to meet liquidity requirements established under Basel III standards.

XRP Basel

“Ripple has a good chance of replacing parts of the existing financial infrastructure.”@WorkingMoneyCH pic.twitter.com/YZWem7iQB6

— SMQKE (@SMQKEDQG) September 6, 2025

Role of XRP in Liquidity Management

According to Working Money, XRP’s potential role extends beyond being a listed compliant asset. He emphasized that XRP allows banks to consolidate reserves into a single bridge asset, which reduces reliance on multiple Nostro accounts and cuts foreign exchange and treasury costs.

The video highlighted how this streamlines liquidity management and lowers infrastructure expenses associated with processing cross-border payments.

Working Money pointed out that Ripple has long envisioned XRP being used as a universal bridge asset, capable of providing banks with liquidity on demand once the market capitalization and trading volumes grow sufficiently.

This aligns with Ripple’s stated goal of reducing opportunity costs for financial institutions by replacing or lowering their dependence on lower-yielding high-quality liquid assets required under Basel III regulations.

Industry Perspectives and Academic Commentary

The video also cited academic perspectives on the potential role of Ripple and XRP in financial infrastructure. Working Money referenced comments from a professor at the University of Basel, who stated that Ripple has a strong chance of replacing parts of the existing financial infrastructure.

This view was reinforced by a passage he quoted from earlier research shared by SMQKE, which suggested that whenever protocols and interfaces can be unified and databases synchronized more efficiently, distributed ledger technology such as Ripple’s should be implemented.

Examples of centralized systems mentioned in that research included Ripple and the R3 consortium, with both being described as having the potential to replace parts of the financial system.

These observations support the argument that Ripple’s technology and the adoption of XRP as a liquidity tool are not just theoretical but are increasingly being integrated into broader discussions of regulatory frameworks and banking practices.

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The Basel Committee’s inclusion of XRP in its list of Group 2A liquidity-compliant assets represents a significant step for the cryptocurrency’s role in global finance. As Working Money emphasized, this development shows progress toward real-world utility for XRP within regulated banking structures.

By enabling banks to simplify liquidity management and cut costs, XRP’s classification as a compliant asset could further support its use as a bridge currency in cross-border settlement.

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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The BIS said that a third-party currency with sufficient liquidity is critical for efficient cross-border payments.

According to him, this aligns directly with XRP’s function in Ripple’s model, which positions the digital asset as a neutral bridge currency capable of reducing reliance on fragmented correspondent banking.

Bank of International Settlements: Emphasizing that a third party currency with sufficient liquidity is essential for efficient cross border payments.

This aligns perfectly with XRP’s role in Ripple’s model as an independent and neutral bridge asset that removes dependence on… pic.twitter.com/YN568Utujl

— SMQKE (@SMQKEDQG) August 26, 2025

Three Dimensions of Interoperability

In the video, the BIS speaker addressed the challenges of making digital currencies “talk to each other,” describing interoperability on three levels.

The first involved domestic interoperability, where digital currency solutions must interact with existing systems on shared platforms. Such platforms, the speaker noted, create “huge network externalities” by allowing broader connectivity.

The second level concerned cross-border transactions within the same currency. Although this could introduce further operational challenges, XRP can easily play this role. However, it was the cross-currency and cross-border dimension that was described as the most difficult.

While XRP can also bridge multiple currencies, the speaker divided the problems into three categories: technology, liquidity, and policy.

Technology, Liquidity, and Policy Barriers

Technologically, systems rely on different cryptographic frameworks, making communication difficult, with the “messaging element” described as fundamental.

Liquidity was identified as more complex, as many currency pairs lack natural demand. This makes an intermediary asset necessary. “You need to go and search for a third-party currency in order to make this settlement actually happen,” he explained.

The most difficult barrier is policy, as nations apply divergent rules. While risk-based AML-CFT standards can be coded, principles-based regulations are harder to align. With over one hundred jurisdictions, “110 nations might have 110 different ways of looking at this.”

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How Can XRP Solve This Problem?

This focus on liquidity as an indispensable component of interoperability closely mirrors arguments about XRP’s intended utility. Ripple’s model uses XRP as a bridge asset to eliminate the need for multiple correspondent banking relationships.

By providing independent liquidity that is not tied to the monetary policy of any one nation, XRP aims to streamline settlement across otherwise fragmented systems.

SMQKE emphasized that the BIS framework essentially outlined the very problem XRP was designed to address. His post concluded that the institution’s acknowledgment of liquidity constraints reinforces the relevance of XRP as a neutral, liquid digital asset for efficient global payments.

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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The BIS is an international organization that facilitates cooperation among central banks. The taskforce on cross-border payments is composed of central banks, financial institutions, and technology companies. The goal of the taskforce is to develop common standards for cross-border payments.

The BIS Committee on Payments and Market Infrastructures has announced the membership of its cross-border payments interoperability and extension taskforce. For further details, look here https://t.co/yDQmdOmp9m pic.twitter.com/8G9UpOaDtL

— Bank for International Settlements (@BIS_org) August 9, 2023

Read Also: Bank of America Raises Concerns Over Impact of Ripple-SEC Lawsuit Ruling on Crypto Regulations

Ripple’s participation in the taskforce is a major coup. The company has a proven track record of developing innovative solutions for cross-border payments. Ripple’s technology could help to make cross-border payments faster, cheaper, and more efficient.

The inclusion of Ripple in the BIS taskforce is a positive sign for the future of cross-border payments. It suggests that the traditional financial system is open to new technologies and that it is willing to work with innovative companies like Ripple to improve the global financial system.

What does this mean for XRP?

Ripple’s participation in the BIS taskforce is likely to be positive for the price of XRP since is a digital asset majorly distributed by Ripple and there might be a need for its involvement along the line. It’s worth noting that XRP is primarily designed for cross-border transactions.

The increased adoption of Ripple technology is likely to lead to increased demand for XRP. This could drive up the price of XRP in the long run.

What are the challenges facing Ripple?

Ripple still faces some challenges. The company is currently under investigation by the US Securities and Exchange Commission (SEC). The SEC is alleging that Ripple sold XRP as an unregistered security and a lawsuit is still in motion in this regard.

If the SEC is successful in its lawsuit, it could have a negative impact on Ripple and XRP. However, Ripple has denied the allegations and is confident that it will prevail as we approach the end of the protracted lawsuit.

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Read Also: Bank of England (BoE) Explores Ripple’s Interledger Protocol for Payment Settlement

The future of cross-border payments

The global financial system is undergoing a major transformation. The rise of new technologies, such as blockchain, is disrupting the way money is being transferred across the border.

Ripple is at the forefront of this transformation. The company is developing innovative solutions that could revolutionize cross-border payments.

The inclusion of Ripple in the BIS taskforce is a major step forward for the company. It demonstrates the commitment of the traditional financial system to working with innovative companies to improve the global financial system.

The future of cross-border payments is bright. With companies like Ripple leading the way, it is likely that cross-border payments will become faster, cheaper, and more efficient in the years to come.

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