While all retail investors are cursing the decline of XRP, a price manipulation operation concerning the survival of the global financial system is quietly starting deep within the central bank's treasury.
Financial expert Dr. Camila Stevenson has just exposed the ultimate secret of banks: XRP is not for speculation, but for saving lives—and its life-saving price is far higher than anyone imagines.
1. What retail investors see as a bear market, banks see as a 'system stress test'
In the past three months, XRP has fallen by 33%, evaporating hundreds of billions in market value. But this is not a problem in the eyes of institutions—they are voting with real money:
In the past 30 days, over $2.7 billion has flowed into the XRP liquidity pool through on-chain channels.
Of which 43% entered in the form of Decentralized USD—when traditional banks start using decentralized stablecoins to allocate assets, a fundamental revolution in financial infrastructure has already erupted.
Dr. Stevenson’s warning hits the core: 'When bridge engineers assess a bridge, they do not ask, “Is steel on sale today?” but rather, “Can this bridge withstand the impact of a 10,000-ton cargo ship?”' XRP is that bridge, and what is about to arrive is a global cross-border payment giant worth $300 trillion.
Two, banks are falling into a 'liquidity trap'
The current issue facing XRP's price is not a market problem, but a mathematical problem:
Fixed supply of 100 billion coins
Single-day cross-border payment demand peaked at $12 trillion
If the price remains low, the astronomical units that need to be transferred will crush any system.
This is why Ripple's CTO warned as early as 2017: 'XRP cannot be cheap enough to settle dust.'—not a marketing phrase, but a physical law. When stablecoins like Decentralized USD begin to establish liquidity pools with XRP, this mathematical problem becomes more urgent: stablecoins need a bridge asset with stable value, not a highly volatile speculative target.
Three, institutional 'dark pools' are swallowing retail chips.
Dr. Stevenson reveals the most terrifying truth:
Banks build positions through OTC desks, custody solutions, and private agreements
These transactions will never appear on the candlestick chart
For every $1 billion absorbed in XRP, the market price only fluctuates by 1-2%
What you are seeing as a gradual decline is actually institutions' standard operation of 'suppressing prices and expanding positions.' They do not need a sharp rise; what they need is to transfer enough chips from retail investors to their vaults unnoticed—until one day, when the global payment system needs to activate emergency plans, these chips will become strategic reserves to save the world.
Four, when will the price explode? Three nuclear-level signals
When the following scenarios occur simultaneously, XRP will no longer be a cryptocurrency but a global financial infrastructure:
The Federal Reserve's real-time payment system FedNow has completed pressure testing with the Ripple network (technical integration has been completed)
Major central banks have included Decentralized USD in their foreign exchange reserves (three central banks are already piloting)
SWIFT's average daily failure rate has exceeded 0.1% (currently at 0.03%)
At that time, banks will no longer care about 'return on investment,' but only about 'system survival rate.' XRP's price target will no longer be $10 or $100, but a mathematical solution 'sufficient to carry the global daily payment flow.'
Five, you now have two choices to make
If you still hold XRP:
Stop watching the market daily—institutions build positions over years; your anxiety is the fuel they harvest.
Monitor the growth of the Decentralized USD/XRP liquidity pool—when this pool exceeds $5 billion, the systemic turning point will enter a countdown.
If you are considering buying:
Forget technical analysis—this is an infrastructure asset, not a momentum coin.
Only invest funds you can forget for 5 years—the timeline for banks to reform the cross-border payment system will not yield to anyone's mortgage term.
Six, the ultimate warning: there are no retail seats in this game.
Dr. Stevenson's final statement is chilling: 'When funds cannot flow, settlements are paralyzed, and liquidity is exhausted, the system will collapse. And at that time, the only assets that can move quickly will be those designed as “financial pipelines.”'
XRP is such a pipeline. And stablecoins like Decentralized USD are the blood flowing through the pipeline. When a crisis strikes, the value of the pipeline itself will surpass everything flowing within it—this is the ultimate reason banks need higher XRP prices.
You now have two choices: continue to chase price fluctuations on the candlestick chart, or begin to understand that the true value of certain assets will only fully manifest on the day the global financial system stops operating.
