â Why Is Harvard Linking Visaâs Digital FIAT Patent to XRP and XLM? đ¤Ż
And what does this signal for the future of global payments?
đ Harvard Just Sent a Signal
A recent academic analysis from Harvard highlights Visaâs Digital FIAT Currency Settlement patent as a realistic blueprint for how blockchain can modernize money movement.
đ About Visaâs Digital FIAT Patent
Filed in 2020 by Visa International Service Association, the patent describes a system where central banks digitize physical fiat and issue blockchain-based equivalents. Settlement occurs on a distributed ledger with permissioned, vetted participants, enabling near-real-time settlement, transparency, and auditabilityâwhile preserving fiatâs legal status. This is the framework Harvard uses to evaluate suitable blockchain networks.
đ Why XRP and XLM?
Although not named directly in the patent, Harvard frames XRP and XLM as blockchain architectures aligned with Visaâs vision.
Thatâs not hype â itâs academic analysis.
đ§ What the Patent Envisions?
đŚ Central-bank-issued digital fiat
đ Distributed ledger settlement
â
Authorized validators only
đŻ The goal
⥠Faster settlement
đ Greater transparency
đ Institutional-grade security
âď¸ Regulatory continuity
⥠Why XRP Matters?
đ Near-instant settlement
đ¸ Ultra-low fees
đ Built for global, high-volume payments
đď¸ Enterprise-grade integrations
âĄď¸ Infrastructure, not speculation.
đ Why XLM Matters?
đ¤ Focus on inclusion and remittances
đ Built for individuals and institutions
đľ Minimal cost, reliable throughput
đ§Š Interoperability by design
đŚ From Asset to Infrastructure
Harvardâs framing reflects a shift:
crypto is increasingly seen as payment infrastructure, not just an asset class.
đŹ The real question isnât whether blockchain belongs in finance anymoreâŚ
â Itâs which networks are ready to run it.
#Visa #Ripple #stellar $XRP $XLM