- Harvard’s mention of XRP and XLM lit the cryptosphere, hinting that real infrastructure is playing a role.
- Visa patent’s blockchain plan gains weight as old “speculative” tokens get fresh institutional attention.
Harvard has raised the spotlight on a Visa 2020 patent that details a blockchain-based digital currency system. Visa International Service Association filed the patent and it was published under U.S. Patent Application No. Patent application No. US 2020/0151682A1 filed by Visa international service association. outlines A method by which central banks can issue digital versions national currencies, and handle cross-border transfer.
Visa proposes a system that would transform physical cash into its digital equivalent, recorded on a ledger of blockchain. A central authority will manage the process with support from validators and tools for handling transactions. It is important to adapt traditional fiat money while retaining its government issued status. This will improve the speed and clarity of transactions.
Harvard’s addition to the list of universities makes it more important now. Ripple’s XRP The following are some examples of how to get started: Stellar’s XLM In the discussion. The university study mentions both assets as potential components to support the technology. The crypto researcher SMQKE made the announcement, which sparked widespread interest in digital assets.
Harvard cited VISA’s Digital FIAT Currency Settlement as an instance of a system based on blockchain that uses XRP/XLM. ✅
XRP + XLM 🤝 VISA
Take a look for yourself
Harvard Presentation: https://t.co/IdZj4hST2H
VISA Patent: https://t.co/H40g7irk80 pic.twitter.com/u9D6UPPoXu
— SMQKE (@SMQKEDQG) June 9, 2025
Academia Recognizes XRP and XLM
Harvard’s choice to use XRP, XLM and Visa Patent in conjunction with XRP reflects a shift in the way major institutions view certain digital assets. Once dismissed as pure speculation, these tokens are now considered to play a role in mainstream financial systems. The fact that Visa has been patenting these tokens suggests they are now being considered more seriously when discussing future payment methods.
XRP is a global payment system developed by Ripple. It supports decentralized trading and settles all transactions within seconds. Ripple’s whitepaper from 2014 explains how its consensus algorithm has been proven in real-world business scenarios.
Stellar (which runs XLM) operates on a network that is decentralized and open, with no central owners. It is used for international remittances and can handle thousands of transactions every day. It is faster, cheaper, uses less power, and costs less compared to older systems. large-scale digital payments.
Technology Under Review despite Legal Disputes
Harvard’s analyses appear during a Ripple-like period remains involved in legal proceedings With the U.S. Securities and Exchange Commission. Even while the case continues, XRP is being mentioned in an academic context shows that its attention extends beyond its regulatory or market issues.
Although the academic mention didn’t indicate implementation, it suggests that XRP/XLM is seen as a viable alternative. suitable technical options Visa has plans. Visa would be able to use either network, which could represent a significant shift in the way traditional finance and digital finances interact.
SMQKE’s summary of Harvard’s content has reignited discussions on social media regarding the role cryptocurrencies will play in the future of structured financial systems. Investors and developers are now able to take into consideration the idea that XRP/XLM may someday help support digital currency backed by central banks.
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Source: www.crypto-news-flash.com
