Crypto expert Pumpius (@pumpius) has drawn attention to a new mention of XRP within a report by the International Monetary Fund (IMF).
Pumpius shared a screenshot that positions XRP alongside two other models for cross-border settlement. This mention is significant for XRP supporters who have long envisioned its dominance in the cross-border payment market.
The reference appears in a report titled "Trust Bridges and Money Flows." Within this report, XRP is directly described as a "private settlement asset and marketplace."
This description signifies recognition of XRP within a framework that is closely studied by major financial institutions. The market's reaction to this development underscores its importance for XRP's long-term growth prospects, potentially opening new avenues for adoption.
IMF Puts $XRP as One of Three Possible Solutions to Cross-Border Settlement Issues. pic.twitter.com/SISXFA6OIS
— Pumpius (@pumpius) November 26, 2025
IMF's Framing of Settlement Models
The IMF report outlines three distinct models for international value transfer. The first model is characterized by a private asset and its associated marketplace, with XRP cited as a prime example. The second model pertains to an open-source marketplace, encompassing systems developed by the Stellar Foundation and emerging DeFi networks.
The third model focuses on unbacked crypto assets, using Strike as its example and highlighting its utilization of Bitcoin and the Lightning Network.
This categorization provides XRP with a distinct position, separate from the other two models. By placing XRP within a market that can integrate with regulated financial frameworks, the IMF's analysis could influence how banks approach digital assets in the upcoming phase of global adoption.
The IMF further emphasizes the strengths of a public solution that could be managed by a regulated private entity. Such a system is described as capable of addressing coordination challenges and fostering trust through clear governance, while maintaining full compliance with financial integrity standards.
Significance of This Recognition for XRP
The mention of XRP by the IMF grants it a clear operational role within a model that is under review by a prominent global institution. This recognition is valuable for financial firms seeking certainty before adopting new technologies, and it helps to reduce ambiguity regarding XRP's integration within regulated settlement systems.
This endorsement supports Ripple's ongoing assertion that XRP can deliver frictionless payments and significant liquidity benefits.
The IMF's recognition may encourage banks and payment providers to conduct more thorough evaluations of XRP. This could lead to the establishment of new payment corridors, an increase in transaction volumes, and the formation of additional liquidity partnerships. With well-defined use cases and growing institutional interest, XRP is positioned to strengthen its standing in the global payments landscape as firms increasingly seek dependable cross-border settlement solutions.

