HARVARD: XRP & XLM Future of Banking Payments

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Hi Traders, Investors and Speculators of the Chart📈📉

Ev here. Been trading crypto since 2017 and later got into stocks. I have 3 board exams on financial markets and studied economics from a top tier university for a year. Daytime job - Math Teacher. 👩(will be moving to corporate some time in Jan 2023)🏫

Recent reports have surfaced and made headlines as Harvard reports that XRP and XLM will play a crucial role in central bank digital currencies (CBDC's). On 3 Jan 2023 an article from Crypto News Flash written by BHUSHAN AKOLKAR states that according to Harvard, Ripple (XRP) and Stellar Lumens (XLM) will be backbone of payment system of the future. This has since been confirmed by multiple sources.
The Harvard report explains how Ripple and Stellar can facilitate faster settlements of CBDCs worldwide. Thus, Ripple’s XRP and Stellar Lumens have already become a go-to choice for several international businesses. Although the U.S. Securities and Exchange Commission (SEC) is currently in a lawsuit against Ripple for selling unregistered securities, other market players continue to see major value in this blockchain network.

A quick extract from the article :
"
The Harvard report also goes on to explain how these two blockchain platforms can facilitate instant CBDC settlements worldwide while leveraging the power of AI and Machine Learning. This process also involves an ML-controlled FX interface. The author explains the entire seven-step automated process for the immutable fund transfer chain.

1) The sender would initiate the transaction in FIAT currency, receive the private key and give it to the receiver.
2) The send would choose either immediate conversion or future date conversion and give instructions to the ML-driven FX platform.
3) Based on instructions, the FX interface would convert FIAT to either XRP or XLM.
4) The ML-controlled Smart Contract will execute the instructions.
5) The FX interface shall send the crypto to the receiver. The XRP blockchain shall handle immutability and the verification process. The execution shall be handled with ML-implemented smart contracts.
6) The receiver would use the private keys sent by the sender and receive funds either in XLM or XRP tokens.
7) The receiver can convert the crypto to the FIAT of his/her choice instantaneously or on a future date. The ML-driven smart contracts will handle the future date execution.
"

I remain highly optimistic and bullish on these two altcoins for 2023 and way beyond.

My earlier analysis on XRPUSDT and XLMUSDT :





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XRP fundamentals looking bullish after latest SEC update, find the details here:
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