In a powerful nod to the evolving relationship between traditional finance and blockchain technology, a recent Harvard presentation cited Visa’s patent for digital fiat currency as an example of a blockchain-based settlement system. Notably, the presentation highlighted its potential alignment with two leading crypto assets, Ripple’s XRP and Stellar’s XLM. The finding, shared by crypto researcher SMQKE on X, has stirred excitement across the digital asset space. Visa’s Vision for Digital Fiat Currency The patent in question, U.S. Patent Application Publication No. US 2020/0151682 A1 was filed by Visa International Service Association and published on May 14, 2020. Titled “Digital Fiat Currency,” the application details a system in which central banks could digitize physical cash into a blockchain-compatible format. The technology envisions removing banknotes from circulation and issuing digital equivalents onto a distributed ledger. Remember, Harvard cited VISA’s Digital FIAT Currency Settlement patent as an example of a blockchain based system that utilizes XRP and XLM. XRP + XLM VISA See for yourself: Harvard Presentation: https://t.co/IdZj4hST2H VISA Patent: https://t.co/H40g7irk80 pic.twitter.com/u9D6UPPoXu — SMQKE (@SMQKEDQG) June 9, 2025 According to the filing, the system would include a central authority, a blockchain ledger, validating entities, and transaction-processing middleware. The core objective is to preserve fiat currency’s legal status while enhancing its usability with blockchain’s speed, transparency, and security. This kind of model reflects the growing interest among central banks and payment giants in digital currency systems. XRP and XLM: Underpinning the Framework? What elevates this development is Harvard’s inclusion of XRP and XLM as possible settlement mechanisms within such a system. Both networks are known for fast, low-cost international transfers and are built to support fiat-backed tokens—qualities that align closely with the digital fiat model outlined by Visa. Ripple’s XRP Ledger offers a near-instant settlement, a decentralized exchange, and a history of enterprise-grade integrations. Stellar’s XLM, meanwhile, is geared toward inclusion and remittance use cases, providing efficient cross-border transfer solutions for both institutions and individuals. These attributes position both networks as practical infrastructure layers for Visa’s patented system. While the patent does not name XRP or XLM explicitly, the Harvard reference, as cited by SMQKE, strongly suggests that these networks are viewed as viable examples of blockchain systems that could support Visa’s model. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Academic Recognition Signals Institutional Confidence The Harvard presentation marks more than academic curiosity, it represents institutional validation. By showcasing Visa’s blockchain-based fiat system alongside XRP and XLM, the presentation highlights the increasing legitimacy of crypto assets in high-level financial discourse. This recognition is significant. For years, XRP and XLM were seen primarily as speculative assets. Now, they are gaining attention as foundational tools for the future of global finance. The citation suggests that academia sees real-world applications for these assets within regulated, mainstream frameworks. Implications for Crypto’s Role in Finance SMQKE’s discovery has sparked renewed optimism among supporters of XRP and XLM, particularly amid Ripple’s ongoing legal battle with the U.S. Securities and Exchange Commission. While that case has drawn regulatory scrutiny, developments like this one show that the technology itself continues to gain traction in academic and enterprise circles. For Visa, the patented system could be a stepping stone toward digital currency integration that bridges legacy finance and blockchain. If platforms like XRP or XLM are eventually implemented within Visa’s infrastructure, it would mark a historic fusion of traditional and decentralized finance. 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. Follow us on Twitter , Facebook , Telegram , and Google News The post Harvard Presentation Cites Bullish Comparison About Visa, XRP, and XLM appeared first on Times Tabloid .