This IMF Video Puts XRP And XLM On Spotlight

Crypto commentator X Finance Bull has shared a new video from the International Monetary Fund (IMF). The video breaks down tokenization in plain terms, and it has caught the attention of the XRP and XLM communities. X Finance Bull paired the video with a claim that XRP and Stellar already do what the IMF describes.

The IMF’s Case For Tokenization

The video opens with a short history lesson. Money evolved from shells and coins into digital records, and the IMF says tokenization is the next step. The host calls it a way to turn money into “something that’s programmable.”

The reasoning is practical, not theoretical. Buying a stock or bond today involves several intermediaries. Clearinghouses sit between buyers and sellers, holding payment and assets until both sides deliver. Registrars handle dividend payouts. Each step adds time, and in finance, time carries a cost.

Tokenization removes layers from that process. Programs can automate the work that clearinghouses and registrars currently handle. The IMF points to research showing real savings tied to this shift, calling tokenization’s promise “visible in the numbers.”

The Risks The IMF Flags

The video doesn’t sell tokenization as risk-free. Automated trading already causes flash crashes, and tokenized markets could see similar volatility because trades execute instantly. Stacked programs add another layer of exposure. If one fails during a crisis, others built on top of it could fail too.

Fragmentation is the third risk. New tokenized markets are launching constantly, and if their systems can’t communicate with each other, the efficiency gains could disappear. The IMF suggests this could require policy intervention, noting that governments have historically taken an active role when money evolves.

Where XRP And Stellar Fit In

X Finance Bull’s post connects these IMF talking points directly to XRP and Stellar. Both networks were built around fast settlement and reduced reliance on middlemen, the same features the IMF describes as the benefits of tokenization.

The XRP Ledger settles transactions in seconds, at a fraction of a cent per transaction. Stellar runs on a similar model, designed for cross-border payments and asset issuance without traditional banking rails.

Both are already showing their usefulness with the DTCC, which has tapped Stellar as the first public blockchain for its tokenized securities platform and confirmed Ripple’s participation in the working group shaping that rollout.

Whether XRP or Stellar becomes the infrastructure regulators and institutions settle on remains to be seen. But the overlap between the IMF’s description of tokenized markets and the design of these two networks is hard to ignore.

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 advised to conduct thorough 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.

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