Crypto analyst X Finance Bull emphasized XRP’s expanding global footprint and diverse use cases across regions. According to the pundit, the token's international adoption signals long-term value.
Asia-Pacific leads XRP ownership with 35%-40% of holders, averaging 4,200 tokens per user. Primary uses include remittances and trading. In North America, 25%-30% of holders possess smaller amounts-about 1,850 XRP-primarily for institutional investment. Demand rose following the launch of XRP ETFs, with Goldman Sachs emerging as a top holder.
Europe accounts for 20%-25% of holders, using XRP mainly for portfolio diversification. Latin America makes up 8%-12%, focusing on cross-border transactions similar to Asia-Pacific users.

X Finance Bull also pointed to Ripple’s influence in global finance. Twelve of the 30 banks working with SWIFT on a blockchain-based ledger are confirmed Ripple partners. These institutions are involved through payment systems, custody solutions, and consortium memberships.
He noted that regulatory frameworks and infrastructure are aligning, with key players already experienced in the XRP Ledger helping shape future financial architecture.