Recently, the continuous decline of XRP has made many retail investors' mentalities explode, but as an old hand who has watched the cycles for many years, I actually find the current situation quite interesting—this is not a precursor to a crash, but rather a silent infrastructure project. Don't be fooled by the stagnant price; the actions of financial giants have not stopped. Below, I'll share my observations in plain language.
1. The game played by institutions has changed: they are not trading coins, but rather 'stockpiling rebar'.
I have noticed that Wall Street's attitude towards Ripple has been very subtle lately. Big players like Fortress and Citadel invested $500 million in Ripple at the end of last year, but looking closely at the details, what they are really interested in may not be how great Ripple's technology is, but the 34.7 billion XRP they hold—which is equivalent to a 'digital asset treasury' at a discounted price.
It's like when building a cross-sea bridge; engineers don’t watch steel prices fluctuate daily but ensure there’s enough sturdy steel. For institutions, XRP is the rebar for building bridges; the lower the price, the more they dare to stock up with real money because the demand is there: global cross-border payments amount to $200 trillion annually, while the traditional SWIFT system is slow and expensive.
2. Is a lower price strategically necessary? A “conspiratorial accumulation” strategy
Data shows that over $2.7 billion flowed into the XRP liquidity pool through on-chain channels in the past 30 days, some even entering in stablecoin form. But why hasn’t the price moved? Because institutions do not buy through exchanges openly but instead accumulate through OTC desks and private agreements. For every $1 billion of XRP acquired, the market price may only fluctuate by 1%-2%.
I call this operation 'conspiratorial accumulation': institutions need enough tokens as reserves for future financial infrastructure but do not want to expose their intentions too early. Retail investors' anxiety becomes their cover for accumulation.
3. The true value of XRP is not in the candlestick charts, but in the 'pipeline logic'
Many criticize XRP for being centralized, but its design is actually very pragmatic: it processes 1,500 transactions per second, costing only $0.0002, reducing cross-border payment time from 3 days to 3 seconds. RippleNet has collaborated with over 50 banks, such as the United Bank of South Africa, where costs dropped by 40% after using XRP for settlements.
It's like the early fiber optics of the internet—no one cares if the price of fiber itself goes up or down, they only care about whether it can make the internet faster. XRP's core function is as a 'currency bridge', while stablecoins (like RLUSD) are the vehicles running on that bridge. Once the global payment system experiences congestion (like an increase in SWIFT failure rates), the value of this bridge will explode instantly.
4. My personal view: Don’t be held hostage by price; focus on these three signals
Continuous inflow of ETFs: The U.S. XRP ETF has seen net inflows for 16 consecutive days, with a total size nearing $1 billion. This indicates that institutions are positioning themselves through compliant channels rather than short-term speculation.
Progress on Ripple's license: It is applying for a U.S. banking license and a Federal Reserve master account. Once approved, it can connect directly to the Federal Reserve's clearing system. This could be the spark that ignites the explosion.
The liquidity pool of stablecoins and XRP: For example, when the pairing scale of stablecoins like Decentralized USD and XRP exceeds $5 billion, it means the ecosystem is starting to self-generate revenue.
5. Advice for ordinary people: Forget about 'getting rich overnight'; learn to 'forget investments'
If you're still hoping XRP will double tomorrow, I advise you to stay calm. But if you believe cross-border payments must reform, then the logic of XRP holds true:
For those who already hold: Don't panic if it drops; institutional accumulation cycles are measured in years, and your tokens might be a scarce resource in their eyes.
For those looking to buy: Only invest spare money that you can forget for 3-5 years; dollar-cost averaging is safer than going all-in.
Beware of risks: Although the SEC lawsuit has eased, it is not completely over, and CBDCs (Central Bank Digital Currencies) may compete in the future.
Conclusion
The story of XRP has never been as simple as 'rise and fall'; it is a game between traditional finance and the crypto world. What banks fear is not Ripple, but the arrival of a settlement era that requires no intermediaries. As an experienced investor, my conclusion is: price fluctuations are noise; underlying demand is the signal. If the financial system is a losing gamble, XRP might be one of the few escape doors that can save you.
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