SMQKE made the connection in a post on X, writing, “Ripple Treasury + XRP and SWIFT.” He followed it with a stronger claim: “Ripple Treasury will facilitate the entry of XRP into the SWIFT network. Documented.”

Ripple Treasury Brings New Services to Businesses

Ripple launched Ripple Treasury on January 28, 2026, after acquiring corporate treasury software provider GTreasury for $1 billion in October 2025. The platform combines GTreasury’s treasury management software with Ripple’s blockchain technology, giving businesses a single place to manage traditional currencies and digital assets.

The service supports cross-border settlements using RLUSD, Ripple’s dollar-pegged stablecoin. It also connects corporate clients to overnight repurchase agreements and tokenized money-market funds, allowing them to manage cash and access short-term funding.

These services extend Ripple’s reach into corporate finance. Businesses can use the platform to manage their treasury operations without replacing their existing banking arrangements or necessarily handling XRP themselves.

Ripple Treasury + XRP SWIFT

https://t.co/NX1I07jA0A

— SMQKE (@SMQKEDQG) October 14, 2026

Does This Mean XRP Will Join SWIFT?

SWIFT provides messaging services that banks use to coordinate international payments. Its extensive role in global banking makes any potential connection with blockchain-based payment systems relevant to XRP investors.

However, SMQKE’s statement needs to be distinguished from a confirmed integration. Ripple Treasury’s launch establishes the platform’s capabilities, but it does not prove that SWIFT has adopted XRP or confirmed plans to use it for settlement.

The distinction matters because Ripple can expand its institutional services without every transaction involving XRP. Businesses may use RLUSD or other supported financial services, depending on their needs. XRP’s role would depend on whether institutions use the asset for payments, liquidity, or settlement within any future arrangement.

Investors Want Utility to Translate Into Price

The relationship between adoption and market value also featured in the post’s comments. Fabrizio Scudu questioned whether expanding XRP utility would satisfy investors if the asset’s price failed to reflect that growth.

“But the price is wrong… it’s pointless to say we need to look at utility. We all look at utility, but if it doesn’t translate into a fair value for #XRP, nobody cares anymore,” Scudu wrote.

His comment captures a concern among XRP holders: greater use of Ripple’s technology does not automatically guarantee price appreciation.

For SMQKE’s claim to translate into a meaningful development for XRP, a confirmed SWIFT connection would need to involve actual use of the asset. Until such an arrangement receives official confirmation, the proposed link remains a claim rather than an established integration.

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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Crypto commentator X Finance Bull says SWIFT’s latest development reflects several features that could define the future of global payments, including 24/7 settlement, tokenized money, blockchain infrastructure, interoperability, and programmable finance.

X Finance Bull challenged the idea that investors should view XRP and SWIFT simply as competing systems. The commentator pointed to SWIFT’s new blockchain ledger and its work with 17 major banks across six continents as evidence of the financial sector’s growing shift toward digital assets.

The banks can move tokenized value across multiple currencies, including USD, EUR, GBP, HKD, and SGD. SWIFT also describes the ledger as “interoperable by design,” a feature that X Finance Bull considers particularly important as financial institutions expand their use of tokenized assets.

Who still thinks $XRP vs SWIFT? Think again.

SWIFT just showed where global payments are actually going:

-24/7 settlement.
-Tokenized money.
-Blockchain.
-Interoperability.
-Programmable finance.

That sounds very familiar if you’ve been studying $XRP.

SWIFT’s new blockchain… https://t.co/hixcs2UQrI pic.twitter.com/P7QG6MdBGS

— X Finance Bull (@Xfinancebull) September 29, 2026

Tokenization Could Create More Liquidity Needs

X Finance Bull expects financial institutions to issue a wide range of digital assets as tokenization expands. The commentator cited potential examples such as Citi USD tokens, HSBC GBP tokens, MUFG JPY tokens, RLUSD, tokenized Treasuries, money-market funds, stocks and bonds.

Each additional asset can create more connections that financial networks need to support. X Finance Bull illustrated the scale of this challenge by noting that five currencies create 10 possible pairs, while 100 assets create 4,950 possible pairs.

The commentator believes this growing number of combinations makes bridge liquidity increasingly relevant. Rather than requiring every asset to maintain deep liquidity against every other asset, a financial system could use an intermediary asset to connect separate pools.

XRP Could Connect Different Assets

X Finance Bull pointed to XRP as one asset that can serve this function. The commentator described a potential route in which Asset A moves through XRP before reaching Asset B.

The post also referenced XRPL’s existing auto-bridging functionality, which can use XRP to connect different assets when the network identifies a suitable path.

X Finance Bull then connected this function to Ripple’s institutional roadmap, which includes regulated FX, stablecoins, tokenized assets, Permissioned DEX infrastructure, and XRP as an auto-bridge asset.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

SWIFT’s Expansion Could Support a Broader Digital Market

X Finance Bull does not view SWIFT’s blockchain development simply as a challenge to XRP. Instead, the commentator sees SWIFT’s move as evidence that major financial institutions are moving deeper into tokenized value and blockchain infrastructure.

As banks issue more digital currencies and tokenized financial assets, those assets will need systems that can connect different currencies, networks, and liquidity pools.

X Finance Bull therefore believes tokenized finance could play a larger role in bridge-liquidity infrastructure. In that view, XRP on XRPL could become relevant as financial institutions build increasingly interconnected digital 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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The post Pundit: Who Still Thinks XRP vs SWIFT? Think Again appeared first on Times Tabloid.

ACI Worldwide isn’t a minor player. The company processes roughly 9% of global SWIFT traffic, translating to about $155 trillion in annualized volume.

Its decision to include XRP as a supported payment rail puts Ripple’s technology in direct contact with one of the largest payment middleware operations.

WOW: SWIFT PARTNER ACI PICKS RIPPLE AS PREFERRED SETTLEMENT ROUTE!

ACI IS HANDLING ~9% OF GLOBAL SWIFT TRAFFIC! pic.twitter.com/zMi1r82nRT

— 𝓐𝓶𝓮𝓵𝓲𝓮 (@_Crypto_Barbie) September 26, 2026

Ripple’s Tech Fits SWIFT’s New Standard

The integration carries weight because of timing. SWIFT has been rolling out ISO 20022 throughout 2026 as its new global messaging standard. Ripple’s technology is already natively compatible with that standard. Banks adopting ISO 20022 can plug into Ripple’s infrastructure without requiring additional conversion layers.

Ripple’s On-Demand Liquidity product is central to this. It allows SWIFT-connected banks to use XRP as the settlement currency during a transaction and convert back to local fiat on the other side. The result is a faster settlement lane built on existing SWIFT infrastructure.

The GTreasury Acquisition Adds Institutional Depth

Ripple’s 2025 acquisition of GTreasury further strengthened its position. GTreasury is a certified member of SWIFT’s Partner Program. After the acquisition, the platform gained support for SWIFT messaging, SWIFTRef data for IBAN and ABA lookups, and digital asset accounts for both XRP and RLUSD.

That acquisition gave Ripple direct access to corporate treasury users. Those users can now manage traditional SWIFT payment flows alongside crypto assets from a single system. That is a practical advantage in enterprise adoption.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

XRP Price Outlook

XRP’s price trades on regulatory clarity and adoption news. The ACI Worldwide listing adds to a growing list of infrastructure-level integrations that position XRP as a settlement asset inside legacy financial systems.

Each addition to SWIFT-adjacent infrastructure increases ODL’s real-world utility. Greater ODL usage drives demand for XRP in cross-border settlement. ACI handles $155 trillion in annualized volume. Integrations at this scale historically correlate with upward price movement in XRP’s market cycles.

The institutional groundwork being built around XRP in 2026 is substantial. However, price predictions remain difficult to pin to a specific timeline. Whether that translates into near-term price appreciation will depend on adoption velocity and the pace at which SWIFT-linked banks activate XRP-based settlement routes.

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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His conclusion: “Activity first. Valuation later.” That is the lens he is applying to everything Ripple is doing right now.

The Moves Aljarrah is Flagging

Each element he highlights is a distinct action. In his view, Ripple is removing XRP from open market circulation, activating accounts on the XRP Ledger, growing RLUSD as a regulated stablecoin, and competing directly with SWIFT for cross-border payment infrastructure. Aljarrah reads these together as a coordinated install, not isolated developments.

When he says “XRP is the inventory,” he is arguing that Ripple is accumulating the asset before public demand arrives. Supply tightens the open market while the network expands underneath.

They’re draining $XRP off the open market, lighting up XRPL accounts, growing $RLUSD, and pointing Ripple at SWIFT in the same week. That’s the install. XRP is the inventory. Activity first. Valuation later. https://t.co/lA4Rmb3xsE

— Versan | Black Swan Capitalist (@VersanAljarrah) September 27, 2026

The Institutional Context

In a video linked to his post, Aljarrah places this inside a much larger picture. He argues that institutions like the World Bank, the IMF, and the Bank for International Settlements have spent years writing policy for cross-border payments, settlement risk, and tokenized financial infrastructure. “They’re not waiting on what everybody else has to say about it,” he said. “They’re waiting on the conditions.”

In his analysis, those conditions include war, energy shocks, bond market stress, fragmented trade, and rising compliance costs across traditional banking. Aljarrah said these pressures create permission for a new financial system to roll out. He states it plainly: “That’s kind of where XRP comes in, plays out for the whole world.”

What This Means for XRP’s Price

Aljarrah separates activity from valuation deliberately. The moves he describes across XRPL, RLUSD, and Ripple’s competition with SWIFT build the foundation. This suggests that XRP’s price will reflect that foundation once adoption scales.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

If his read is correct and Ripple is pulling XRP off the open market, available supply for retail participants shrinks. If institutional adoption of XRPL infrastructure grows alongside global payment reform, demand for XRP as a settlement asset rises. Both variables push in the same direction.

Aljarrah argues the setup is already progressing. The XRP Ledger’s activity and Ripple’s positioning are the signal worth tracking. His post captures the sequence Ripple is putting the activity first and expecting the valuation to follow.

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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During an appearance on CNBC’s Squawk Box, Morehead identified Ripple’s efforts against SWIFT as one of several major use cases that could shape the cryptocurrency industry. Crypto enthusiast Amelie shared the clip on X and connected Morehead’s remarks directly to her bullish outlook for XRP.

Morehead Connects Ripple With SWIFT

The CNBC segment examined blockchain development and the potential for newer networks to offer different capabilities from established cryptocurrencies.

Morehead discussed Solana’s transaction capacity. He said Solana could process up to 9 billion transactions per day, more than all capital markets activity combined.

The conversation then moved toward other potential applications for blockchain technology. Morehead pointed to Ripple when he discussed networks pursuing specific financial use cases.

“There might be other use cases, you know, like Ripple’s going after SWIFT,” Morehead said.

He then described Bitcoin as “digital gold” and identified several major use cases across the cryptocurrency industry. Morehead also emphasized Solana’s performance as a blockchain, describing the network as highly capable in terms of transaction processing.

Amelie focused on Morehead’s reference to Ripple and SWIFT when she shared the video. She wrote, “Even CNBC admits that Ripple is going after SWIFT.” She followed the statement with a direct XRP prediction, writing, “XRP is a done deal”

Even CNBC admits that „Ripple is going after Swift.“ $XRP is a done deal pic.twitter.com/86ZIm33Qlt

— 𝓐𝓶𝓮𝓵𝓲𝓮 (@_Crypto_Barbie) September 22, 2026

XRP Supporters Recall Ripple’s Earlier Challenges

The post also received a response from $XRPARMY, which placed Morehead’s comments within the history of Ripple and XRP.

$XRPARMY compared the current period with the 2017–2020 cycle and recalled how CNBC previously covered Ripple’s efforts in relation to SWIFT. The commenter said XRP supporters viewed that development as an important sign of Ripple’s ambitions in international payments.

The response then referenced the SEC lawsuit against Ripple. $XRPARMY said the regulatory case interrupted that earlier period and kept XRP under pressure for several years.

The commenter also pointed to a major difference between the two periods. The SEC lawsuit has now ended, while Ripple continued developing its payment infrastructure during the legal dispute. $XRPARMY therefore described the current period as a continuation of developments that began before the regulatory case disrupted the previous cycle.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Ripple’s Payments Strategy Remains Central

Morehead’s comments do not establish that Ripple will replace SWIFT, but they show that he views Ripple’s pursuit of the global payments sector as a distinct blockchain use case.

Amelie interpreted the CNBC remark as further confirmation of her conviction in XRP. Her post links Ripple’s payments ambitions with XRP and presents the development as part of a broader case for the asset’s long-term relevance.

The distinction between Ripple and XRP remains important, however. Morehead specifically discussed Ripple’s efforts in the payments sector, while Amelie linked those efforts to XRP in her post. That connection remains a key part of the discussion around XRP as investors assess Ripple’s expanding role in financial infrastructure.

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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Crypto researcher SMQKE pointed to the development in a post on X and shared documentation showing the connection between ACI, SWIFT, and DLT-based payment systems.

SMQKE Highlights Ripple Reference

SMQKE wrote on X, “JUST IN: ACI OFFICIALLY CONNECTS TO SWIFT’S LEDGER —> RIPPLE IS LISTED AS A DLT RAIL FOR ACI.”

The researcher attached screenshots showing ACI Worldwide’s announcement and a separate ACI presentation about its work with SWIFT.

ACI Worldwide announced on September 22 that it had extended ACI Connetic to support payments orchestrated through SWIFT’s ledger. The company said the expansion will help banks process tokenized deposit payments alongside traditional payment types through the same operational controls, workflows, and infrastructure.

The move allows financial institutions to manage these payment types without creating separate digital-asset payment operations. ACI described the approach as a way for banks to connect different payment rails through a single operating model.

JUST IN: ACI OFFICIALLY CONNECTS TO SWIFT’S LEDGER —>RIPPLE IS LISTED AS A DLT RAIL FOR ACI

Documented below. pic.twitter.com/HJgiJCvBYo

— SMQKE (@SMQKEDQG) September 22, 2026

ACI Presentation Names Ripple

The second screenshot by SMQKE provides the key reference behind his post. ACI’s presentation explains that the company supports real-time payment schemes worldwide and helps banks connect to different payment systems.

The presentation specifically mentions “DLT (e.g., Ripple)” when describing the technologies that ACI can support.

SMQKE used that reference to connect Ripple with ACI’s expanding payments infrastructure. However, the reference does not establish that XRP forms part of the newly announced SWIFT ledger implementation.

ACI’s September 22 announcement focuses on SWIFT’s ledger and tokenized deposit payments. It does not state that ACI will use XRP for those transactions.

SWIFT Ledger Expands Tokenized Payment Support

SWIFT has been developing its ledger to support tokenized deposits and other digital payments for financial institutions. ACI’s integration gives banks access to Swift-ledger payment flows through its existing payments infrastructure.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

ACI also supports several types of payment networks and DLT-based systems. Its presentation identifies Ripple as an example of a DLT rail within that wider payments environment.

For XRP observers, SMQKE’s post focuses on the significance of that documented Ripple reference rather than claiming that the new SWIFT ledger initiative directly uses XRP.

The development nevertheless places Ripple within ACI’s documented DLT capabilities as the company expands its infrastructure for banks handling traditional and tokenized 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 post Ripple (XRP) Involved? ACI Officially Connects to SWIFT’s Ledger appeared first on Times Tabloid.

His post points to developments involving India, BRICS, and international payment infrastructure, while presenting them as evidence of a trend XRP holders have followed for years.

Pumpius tweeted, “THEY ARE NOT EVEN HIDING IT ANYMORE.” He then pointed to India’s proposal to explore links between BRICS digital currencies through initiatives he described as mBridge, now BRICS Bridge, and BIS Project Nexus.

THEY ARE NOT EVEN HIDING IT ANYMORE

India just proposed linking BRICS digital currencies through what used to be called mBridge (now BRICS Bridge) and BIS Project Nexus.

At the same time, BRICS finance chiefs are calling for a full overhaul of the IMF and World Bank.

The… pic.twitter.com/wggfa1fCBV

— Pumpius (@pumpius) September 12, 2026

India Pushes CBDC Interoperability

India’s Reserve Bank has explored greater interoperability between the central bank digital currencies of BRICS members. The proposal focuses on connecting sovereign digital currencies to support cross-border trade and settlement.

India’s e-rupee forms part of this effort. The broader objective is to create payment infrastructure that can facilitate international transactions using digital versions of national currencies.

Pumpius connected this development to the XRP thesis that has circulated among crypto investors since 2018. He argued that the emergence of cross-border CBDC infrastructure resembles the payment architecture XRP supporters have anticipated.

However, the initiatives mentioned in the post are not all parts of one system. mBridge remains a separate BIS-led multi-CBDC project involving participating central banks. It was not simply renamed BRICS Bridge. BRICS Bridge is a separate concept associated with efforts within the BRICS group to improve cross-border payment connectivity.

Project Nexus also has a broader scope. The BIS developed Nexus as a framework for connecting domestic instant payment systems across countries. India’s UPI is among the systems associated with the initiative.

BRICS Seeks Changes To Global Financial Institutions

Pumpius also referenced calls from BRICS finance chiefs for reforms to the International Monetary Fund and World Bank.

BRICS finance ministers and central bank governors have called for an urgent reform of the Bretton Woods institutions. Their position seeks greater representation for emerging market economies through changes to quota and voting structures.

The push forms part of wider BRICS efforts to strengthen the role of emerging economies in global financial decision-making.

Pumpius tied these developments to creating payment infrastructure that can reduce reliance on established systems. He wrote, “The e-rupee, cross-border CBDC rails, and a payment system built outside SWIFT… this is the exact movie the XRP holders have been watching on repeat since 2018.”

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— TimesTabloid (@TimesTabloid1) June 15, 2025

XRP Connection Remains A Separate Question

The developments resemble several use cases that XRP proponents have promoted for years, particularly cross-border settlement, liquidity, and interoperability between different currencies.

However, the systems described in these initiatives do not establish that BRICS or its member countries are adopting XRP or the XRP Ledger. CBDC projects generally use sovereign-issued digital currencies and permissioned infrastructure designed for central bank requirements.

These developments support expanding CBDC interoperability and efforts to improve cross-border payment infrastructure. The claim that these initiatives represent an adoption of XRP remains separate from those developments.

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 post System Built Outside SWIFT: The Exact Movie XRP Holders Have Been Watching appeared first on Times Tabloid.

ISO 20022 is reshaping how financial institutions communicate and transfer value. One fintech company’s executive has made clear that SWIFT is not the only infrastructure capable of carrying that future forward.

Joe Higginson, Commercial Chief Officer at Identitii, addressed this directly in an interview with The Banker. He acknowledged SWIFT’s ISO 20022 mandate as noble and heading in the right direction. Then he added something significant: “SWIFT isn’t the only gateway in the world.”

Identitii: Ripple represents an alternative payment gateway beyond SWIFT.

Documented. pic.twitter.com/u1Mt02cbym

— SMQKE (@SMQKEDQG) September 12, 2026

Technology Has Already Decoupled From SWIFT

Higginson drew on his experience at Investec to illustrate this point. While there, he “built a payments platform that not only connected to SWIFT, but was looking at alternative payment gateways.” Those alternatives included Mastercard Send, Visa B2B, and Currency Cloud.

He then referenced the distributed ledger space. Companies like Ripple, he said, are “unlocking treasury payments by offering tokenised cryptography coins.” This positions XRP not as a speculative asset but as functional payment infrastructure operating alongside and beyond SWIFT.

ISO 20022 Creates Opportunity, Not Uniformity

ISO 20022 solves significant messaging and transfer problems. But Higginson identified a critical limitation. He stated that “you still don’t have interoperability globally.” Even with one standard in place, domestic rails outside SWIFT could diverge. “Regional dialects of ISO 20022 are a likely outcome of the change as domestic rails add their own flavour and requirements to the standard.”

This fragmentation creates a direct opening for XRP. Ripple’s technology operates across borders without relying on any single domestic rail or regional variant. As ISO 20022 adoption spreads and regional differences multiply, a neutral settlement layer becomes more valuable.

XRP’s Price Case Rests on Utility Expansion

The price argument for XRP follows from the utility. As more institutions recognize Ripple as a legitimate alternative payment gateway, demand for XRP as a bridge asset increases. Higginson’s comments reflect a shift in how fintech professionals categorize Ripple. It now sits in the same conversation as Mastercard Send and Visa B2B.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Institutions allocating to payment infrastructure take positions based on usage and adoption. XRP’s role in treasury payments, cross-border settlement, and now ISO 20022-adjacent infrastructure gives it a concrete use case that supports price appreciation over time.

Identitii operates in the payments compliance and data space. Higginson’s acknowledgment of Ripple as a genuine payment alternative adds to a growing record of XRP’s institutional validation.

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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He said, “Whoever owns the interoperability layer owns the next SWIFT,” while pointing to the Bank for International Settlements (BIS), Ripple, and central banks as important participants in developing this emerging infrastructure.

According to Aljarrah, the BIS has increasingly addressed interoperability in its discussions about a financial system involving multiple central bank digital currencies (CBDCs). He also highlighted Ripple’s participation in a working group focused on standards, arguing that this involvement places the company within discussions about how different financial networks could communicate.

Aljarrah said investors should not expect an official announcement declaring XRP as the next global settlement asset. Instead, he believes the more significant development is the work conducted around interoperability and Ripple’s role in those discussions.

Whoever owns the interoperability layer owns the next SWIFT.

The BIS is writing that script in speeches. @Ripple is already in the working group that writes the standards. Central banks are already testing the rails.

Don’t wait for a press release that says “XRP is official.”… https://t.co/MJmdrKewD3

— Versan | Black Swan Capitalist (@VersanAljarrah) August 31, 2026

XRP and Cross-Border Settlement

In his accompanying July 2025 article, Aljarrah presented a broader argument for XRP’s potential role in global finance. He focused heavily on cross-border payments and Ripple’s payment infrastructure, particularly the use of XRP as a bridge asset for moving value between currencies.

Aljarrah argued that traditional international payment arrangements require financial institutions to maintain liquidity across different jurisdictions, creating capital inefficiencies and increasing settlement costs. He contrasted this model with a system in which XRP could facilitate transfers between currencies without requiring institutions to maintain extensive pre-funded accounts.

He described this potential use case as one component of a larger financial infrastructure that could support faster settlement across international payment corridors. He also argued that expanding institutional usage would create greater demand for XRP liquidity.

CBDCs and Interoperability

Central bank digital currencies form another major part of Aljarrah’s thesis. He argued that CBDCs will require interoperability because digital currencies issued by central banks would otherwise remain confined to separate networks.

According to his article, Ripple’s work on CBDC infrastructure could provide technology for governments and financial institutions developing digital currencies. Aljarrah believes XRP could potentially operate as a bridge between different forms of digital money if institutions require a neutral asset for cross-border settlement.

His latest post connects this argument directly to his view of the BIS. By emphasizing the institution’s focus on interoperability and Ripple’s participation in standards-related work, Aljarrah suggests that developing interconnected financial networks could become more important than any single announcement about XRP.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Tokenization and XRP Liquidity

Aljarrah also linked interoperability to the broader tokenization of financial assets. He says tokenized bonds, currencies, equities, commodities, real estate and other assets will require efficient settlement infrastructure as adoption expands.

In his view, high transaction volumes would require deeper liquidity and could increase XRP’s operational importance if the asset becomes widely used for settlement between different networks.

Aljarrah ultimately maintains that XRP’s long-term valuation would depend on the scale of financial activity it supports, not short-term market speculation. His argument centers on the idea that an increasingly digital financial system will require infrastructure that could connect separate networks, and he believes Ripple’s involvement in interoperability efforts is an important development to watch.

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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In a detailed post, Esposito pointed to publicly available documents and developments across Ripple’s institutional business, the XRP Ledger (XRPL), RLUSD, and the emerging native lending infrastructure as evidence of a potentially broader financial ecosystem.

Ripple’s Expanding Institutional Infrastructure

Esposito says Ripple has developed beyond its original focus on payments and is now building across payments, custody, RLUSD, treasury services, prime and markets, tokenization, and institutional capital markets.

According to the researcher, recent investments and initiatives have specifically referenced tokenized assets, settlement, and collateral mobility on the XRPL. Esposito sees these developments as important because they could connect Ripple’s institutional infrastructure directly with activity on the XRPL.

The post then highlighted RLUSD, noting that Ripple’s independently attested transparency information recently showed approximately $1.87 billion in circulation and around $1.98 billion in reserve funds. Esposito also noted that the stablecoin’s issuer operates under the New York Department of Financial Services.

The researcher described RLUSD as increasingly significant regulated financial infrastructure within the broader ecosystem.

1/ I think the XRP thesis has changed — and much of the evidence is hidden in plain sight in public documents.

Forget “XRP will replace SWIFT” for a moment.

Something potentially much bigger is being built:

Ripple institutional stack
↓
XRPL
↓
RLUSD
↓
XRP liquidity
↓
XRP…

— Dominique Esposito (@AtlasPs402) August 29, 2026

XLS-66 and Native XRP Lending

Esposito identified XLS-66 as one of the most important developments to monitor. The proposed XRPL Lending Protocol introduces a structure involving Single Asset Vaults, Loan Brokers, and borrowers using fixed-term loans with interest and first-loss protection.

The researcher emphasized that the model is designed to incorporate professional, off-chain underwriting rather than relying solely on anonymous crypto lending.

Esposito also noted that XRPL documentation states that Single Asset Vaults can hold XRP. Private vaults can restrict participation through Credentials and Permissioned Domains, potentially allowing verified capital to enter XRP-based lending structures.

The post linked this architecture with potential institutional users identified by Ripple, including payment providers requiring short-duration liquidity, market makers financing inventory, treasury teams deploying idle digital assets, and structured-credit lenders.

The Potential Role of XRP Treasury Strategies

Esposito also highlighted Evernorth and its XRP treasury strategy, arguing that the initiative deserves closer examination because it involves active deployment rather than simply holding XRP.

The researcher further cited a recent SEC filing identifying Ripple Labs as the sole member of Pathfinder Digital Assets LLC. Esposito used this information along with other developments to outline a potential institutional structure involving an XRP treasury, XRPL-based vaults, institutional borrowers, and market-making or collateral activity.

Under this framework, XRP could potentially move from being held as an asset to being used as productive institutional capital that generates interest or supports liquidity.

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Esposito Emphasizes What Remains Unproven

Despite presenting the potential thesis, Esposito stressed that the final stage has not yet been demonstrated. The researcher noted that LendingProtocolV1_1 remains under development and said there is no evidence yet of hundreds of millions of XRP already moving through native institutional loans.

Esposito therefore identified protocol activation, the first institutional XRP vault, measurable XRP deposits, named borrowers, market-making or collateral usage, and disclosed interest or yield as developments that could demonstrate actual XRP demand.

Esposito’s central point is that the evidence should be tested, not assumed. For Esposito, the key question is whether the existing architecture eventually produces measurable institutional demand for XRP.

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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