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An $XRP community figure and crypto founder recently shared a pathway through which $XRP could become a global reserve asset.
Discussions about $XRP becoming a global reserve asset have picked up speed, especially after the United States added $XRP to its crypto stockpile in March 2025. However, the idea has always remained theoretical, with no practical path for $XRP to assume the ambitious position.
Interestingly, Versan Aljarrah, founder of The Black Swan Capitalist, recently shared how he believes $XRP could take up the role, which may allow it to move beyond price speculation to become part of the global financial system.
Key Points
- Since the United States included $XRP in its crypto stockpile in March 2025, discussions around $XRP becoming a global reserve asset have picked up.
- However, this idea had remained theoretical, with no actual pathway for $XRP to assume such an ambitious position.
- Crypto founder Versan Aljarrah recently shared an avenue through which $XRP could take up the role.
- He said sovereign adoption must come first, with $XRP integrating into central banks, treasuries, and payment systems, particularly in emerging markets and BRICS nations.
- He called the Clarity Act a turning point, which could require Ripple to reduce its $XRP holdings below set thresholds to avoid securities classification and encourage institutional trust.
- Aljarrah said the IMF, which currently recognizes the dollar, euro, yen, pound, and yuan in its reserve basket, could eventually acknowledge $XRP if it proves reliable for global settlement.
Sovereign Adoption of $XRP Comes First
The market commentator shared his idea in an article on X. Aljarrah believes that no asset can reach reserve status without support from governments. In the past, assets such as gold, the U.S. dollar, and Electronic Special Drawing Rights (ESDRs) gained global trust because countries accepted and used them.
He explained that $XRP would need to become part of several national financial systems, including central banks, treasuries, and state-backed payment networks.
He believes this process has already started. Notably, the market pundit called attention to emerging markets that have already begun exploring blockchain tools to improve liquidity, lower transaction costs, and stabilize unstable currencies.
He also mentioned the BRICS bloc, noting that countries with volatile or dollar-dependent economies could use $XRP as a neutral bridge for settlements. Because $XRP can connect local currencies directly, it reduces reliance on the dollar and avoids the geopolitical pressure that aligns with what he described as the military-industrial complex.
He argued that the actual question is not whether countries will use $XRP in this way, but when they will do it. According to him, several nations already use $XRP within their payment systems for cross-border transactions.
How The Clarity Act Could Help
Aljarrah suggested that the Clarity Act would represent a major moment for digital asset regulation. The bill separates strategic digital assets from securities and directly affects companies like Ripple. Under the Act, Ripple could be required to reduce its $XRP holdings below 20% to avoid securities classification.
Aljarrah said governments hesitate to hold assets that a single company heavily controls. If Ripple keeps a large share of $XRP’s supply, the control could slow institutional and sovereign adoption. If it lowers its holdings to meet the Clarity Act’s limits, Ripple would reduce its influence and strengthen $XRP’s neutrality.
Aljarrah argued that once Ripple complies with those thresholds, $XRP becomes legally clearer and more accessible on a global scale. He believes clarity would make it easier for institutions and governments to hold and use $XRP without running into securities-related concerns.
IMF Recognition of $XRP
After sovereign adoption and regulatory clarity, Aljarrah says recognition from the International Monetary Fund (IMF) represents the next step. The IMF oversees global liquidity and reserve assets and helps in maintaining macroeconomic stability. Although it does not officially endorse currencies, it recognizes assets that serve as dependable tools for settlement.
The IMF’s reserve basket currently includes the dollar, euro, yen, pound, and yuan. Aljarrah believes $XRP fits with the idea of a programmable Special Drawing Right in a more digital financial system. With institutions such as BRICS pushing forward with digital finance initiatives, he sees room for $XRP to align with those changes.
He added that once $XRP serves as a reserve settlement asset, its value would depend more on how much money it moves rather than market speculation. Essentially, liquidity depth, transaction volume, and settlement activity within networks of sovereign participants would determine price discovery.
$XRP Moving from Payment Token to Global Settlement Layer
Speaking on, Aljarrah said $XRP’s journey has always been about structure. He sees it moving beyond a bridge currency and becoming a reserve settlement layer that supports global trade, debt payments, and financial connections between countries and individuals.
The pundit called attention to $XRP’s ability to process instant, low-cost transactions between digital and fiat currencies. He also noted that its programmability allows it to connect tokenized commodities with traditional financial systems. To him, holding $XRP means holding a piece of the infrastructure that could support global liquidity.
Important Caveats
While Aljarrah believes there remains a path for $XRP to become a global reserve asset, some parts of his theory remain unlikely anytime soon. For one, coordinated adoption across several governments involves political decisions that do not happen quickly. Although many countries test blockchain solutions, full-scale integration is a gradual process.
Moreover, the jump from regulatory clarity under the Clarity Act to formal IMF recognition would also require major policy shifts. The IMF’s reserve basket currently consists only of major national currencies, so adding a digital asset would be unprecedented.