XRP is redefining value assessment in the crypto market, shifting focus from speculative market cap to real-world utility in global payments. Analysts argue that XRP functions as a digital commodity for institutional liquidity, not a traditional cryptocurrency. As adoption expands across banks, FX markets, and clearing institutions like DTCC, XRP's price is increasingly driven by effective liquidity within Ripple's ODL payments, not just circulating supply.
Transaction velocity has limits, with XRP circulating a maximum of 10 times per day. Deep liquidity pools enable high-value transfers, eliminating slippage and volatility risk for banks.
A recent executive order from President Donald Trump directs the Federal Reserve to evaluate granting crypto firms direct access to US payment infrastructure. Analyst BankXRP says this could allow Ripple to bypass legacy banking intermediaries, potentially elevating XRP from a speculative asset to a regulated financial instrument embedded in global payment networks.
Analyst Skipper reports Ripple has secured a banking license, boosting its valuation above $120 billion, reaffirming its position as a major financial infrastructure company tied to XRP.
