Crypto commentator Xaif (@Xaif_Crypto) highlighted Ripple’s presence at the event in a recent post. Rahul Advani, Ripple’s policy lead, appeared on the Atlantic Council GeoEconomics Center’s panel on tokenized settlement markets.

The session addressed one of the most persistent questions in global finance: how regulation keeps pace with technology without fragmenting the liquidity that makes it useful.

JUST IN: @Ripple was in the room at the IMF and World Bank Annual Meetings in Bangkok, alongside finance ministers and central bank governors.

The topic: how tokenization, stablecoins and cross-border payments fit into the financial system of the future.

Ripple’s three key… https://t.co/WBcmoZEsVa pic.twitter.com/s03YWbxnsZ

— Xaif Crypto (@Xaif_Crypto) October 24, 2026

Banks Are Already Moving

Xaif outlined three takeaways from Ripple’s participation. The first centers on how institutions actually evaluate stablecoins. Banks apply a concrete checklist. A stablecoin must be truly one-for-one, workable under Basel Committee capital requirements, liquid around the clock, and compatible with existing custody and treasury infrastructure.

Advani confirmed in his own LinkedIn post that “where those line up, it is already in production.” That detail is important. It moves the conversation away from speculation and toward operational reality.

Recognition is the Missing Piece

The second takeaway addresses the regulatory landscape. Issuer rules for stablecoins have largely converged across major jurisdictions. The U.S. GENIUS Act, the EU’s MiCA framework, and regulations in Singapore, Hong Kong, and Japan are increasingly aligned.

Cross-border recognition, however, has not followed. Xaif noted the risk, stating that without mutual recognition of regulated digital money across borders, the industry risks rebuilding fragmentation on entirely new infrastructure.

Advani echoed this in his post, describing it as “rebuilding fragmentation on new rails.” The technical architecture improves, but the coordination problem remains.

The Bigger Story

The third point reorients the narrative. Xaif stressed that the dollar versus non-dollar stablecoin debate is secondary. The real shift is the migration from fiat to onchain money. Advani explained that dollar and local-currency stablecoins do different jobs. One serves as the cross-border liquidity layer, and the other functions as the domestic settlement asset.

For that system to work at scale, both ends need support. Domestic issuance must be encouraged, and well-regulated foreign stablecoins must not be locked out.

Ripple’s Place at the Table

Advani also noted that dinner with Stefan Ingves, the former Governor of Sveriges Riksbank and former Chair of the Basel Committee, gave him the opportunity to discuss how the same capital rules that once applied to traditional finance now apply to stablecoins. The convergence is no longer theoretical.

Xaif’s post captured the significance of Ripple’s attendance clearly. Institutions at the highest levels of global finance are working through these questions in real time, and Ripple is in the room as they do it.

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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World Bank’s Endorsement

The recognition of XRP by the World Bank shows the growing importance of digital currencies in transforming the financial sector, particularly in facilitating cross-border payments. The choice of XRP as a suitable currency for these transactions highlights its efficiency, speed, and cost-effectiveness, which are crucial factors in international money transfers.

The endorsement reflects the potential of XRP to streamline and modernize the global payments infrastructure, offering a viable alternative to traditional banking systems that often involve lengthy processes and high fees.

Ripple’s Technological Edge

Ripple designed XRP to be more than just a digital asset. It’s to serve as a bridge currency in Ripple’s network, enabling seamless transactions across different fiat currencies. This capability is valuable for multinational corporations and financial institutions that require efficient and reliable cross-border payment solutions.

Levi’s document shows that Ripple’s system can handle 1,500 transactions per second with just $0.0001 transaction cost. Additionally, a small fraction of XRP (0.00001 XRP) is destroyed, which theoretically helps maintain its value over time.

A perfect example of XRP’s capabilities is a transfer made by Arrington Capital. According to the CEO Michael Arrington, the company transferred $50 million in 3 seconds at $0.3.

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Comparison with Stellar (XLM)

In the context of cross-border payments, XRP often finds itself compared with Stellar (XLM), another digital currency designed for international transfers. While both currencies aim to improve the efficiency of cross-border transactions, their approaches differ.

XRP primarily serves financial institutions and large corporations, offering a real-time payment settlement system. On the other hand, Stellar Lumens is more geared towards individual users, providing a platform for transferring money across borders through decentralized exchanges and trusted intermediaries.

XLM’s transaction costs are similar to XRP’s, with a fixed rate of 0.00001 XLM per transaction. However, XRP could play a more significant role as it serves larger institutions that can provide a broader range of services.

Implications for the Future

The World Bank’s selection of XRP as a preferred currency for cross-border transactions is a milestone that reinforces the digital asset’s potential to revolutionize international payments. XRP’s potential is gaining increasing recognition, as experts believe it is the top choice for the BRICS coalition which has announced plans for a crypto-based SWIFT alternative.

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 question brought other questions from Wrath of Kahneman and community members, drawing the attention of former Ripple director Sean McBride. With the growing popularity of stablecoins, speculation is rising about XRP’s future role within the ecosystem, especially if Ripple decides to introduce a stablecoin.

Ripple has tons of capital. I’m super interested in your thought here, though. Why move away from #XRP and its utility with progress being made, and many including the World Bank, already classifying #XRP as a stable coin? Thank you for all your research and insight, it’s truly…

— Sean McBride (@seanmcbride16) February 14, 2024

Speculation Surrounds Potential Ripple-Issued Stablecoin

McBride, while acknowledging the increasing speculation, reiterated his belief in XRP’s established utility and growing adoption. Notably, he highlighted the World Bank’s classification of XRP as a stablecoin, sparking discussion about whether this signifies a future transformation or simply aligns with XRPL’s plans for a distinct stablecoin offering.

The World Bank’s recognition undoubtedly adds a layer of validation to Ripple’s efforts in positioning XRP as a reliable bridge currency for cross-border transactions.

An expert recently revealed that Ripple is fully committed to the goal of making XRP a global reserve currency, and this classification underscores the growing acceptance and potential of XRP within the global financial landscape.

Potential Roadblocks

However, it is crucial to acknowledge the nuances surrounding this classification. Some experts have pointed out that the World Bank’s categorization might be the result of XRPL’s announced plans for a separate stablecoin, rather than directly endorsing XRP as a stablecoin. Additionally, previous suggestions regarding a Ripple-backed stablecoin remain unsubstantiated.

Support for XRP and Stablecoin Integration

Despite the surrounding speculation, Wrath of Kahneman expressed his support for XRP, emphasizing the potential benefits of a stablecoin revolution.

He highlighted the possible influx of liquidity, stating that many reports cite XRP’s volatility as a hurdle, although he disagrees with this stance. However, that leaves him with the question of whether a fully regulated stablecoin could attract liquidity to XRPL.

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Unanswered Questions Regarding Ripple’s Strategy

The discussion raises pertinent questions about Ripple’s decision to refrain from introducing a stablecoin on the XRPL despite years of opportunity. However, Ripple is pushing XRP as a bridge currency for cross-border transactions, and XRP’s insanely fast transaction speed can overcome the volatility problem.

While the debate regarding Ripple’s strategic direction continues, both McBride’s defense of XRP’s utility and the World Bank’s classification as a stablecoin contribute significant points to the conversation.

Despite all the progress Ripple is making in trying to establish XRP as a bridge currency, its poor performance has caused some dissatisfaction in the community, as a prominent community member recently revealed that investors are selling XRP to buy better-performing cryptocurrencies.

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