❓ Why Is Harvard Linking Visa’s Digital FIAT Patent to XRP and XLM? 🤯
And what does this signal for the future of global payments?
🎓 Harvard Just Sent a Signal
A recent academic analysis from Harvard highlights Visa’s Digital FIAT Currency Settlement patent as a realistic blueprint for how blockchain can modernize money movement.
📄 About Visa’s 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 auditability—while preserving fiat’s legal status. This is the framework Harvard uses to evaluate suitable blockchain networks.
👉 Why XRP and XLM?
Although not named directly in the patent, Harvard frames XRP and XLM as blockchain architectures aligned with Visa’s vision.
That’s not hype — it’s academic analysis.
🧠 What the Patent Envisions?
🏦 Central-bank-issued digital fiat
🔗 Distributed ledger settlement
✅ Authorized validators only
🎯 The goal
⚡ Faster settlement
🔍 Greater transparency
🔐 Institutional-grade security
⚖️ Regulatory continuity
⚡ Why XRP Matters?
🚀 Near-instant settlement
💸 Ultra-low fees
🌍 Built for global, high-volume payments
🏛️ Enterprise-grade integrations
➡️ Infrastructure, not speculation.
🌍 Why XLM Matters?
🤝 Focus on inclusion and remittances
🌐 Built for individuals and institutions
💵 Minimal cost, reliable throughput
🧩 Interoperability by design
🏦 From Asset to Infrastructure
Harvard’s framing reflects a shift:
crypto is increasingly seen as payment infrastructure, not just an asset class.
💬 The real question isn’t whether blockchain belongs in finance anymore…
❓ It’s which networks are ready to run it.
#Visa #Ripple #stellar $XRP $XLM