International Finance Bank (IFB) has confirmed the integration of XRP as a payment rail within the Interledger Protocol (ILP) STREAM protocol, according to an internal presentation highlighted by crypto researcher SMQKE. The document outlines how banks can leverage Ripple's ILP framework, with XRP serving as the settlement mechanism for real-time value and data transfer across different ledgers. This positions XRP as a crucial liquidity layer, facilitating efficient settlements across disconnected networks. IFB's multi-rail payment strategy incorporates RippleNet, ILP, and Mojaloop alongside traditional systems like SWIFT and SEPA. XRP is strategically deployed where it offers clear advantages in foreign exchange and settlement efficiency, rather than being used universally. The bank's approach underscores the growing interoperability between blockchain and traditional finance, with estimates indicating that 60% of SWIFT-connected banks have some exposure to Ripple technology. This development highlights XRP's evolving role in institutional payment systems and its potential expansion into decentralized finance applications.