XRP is no longer perceived as just a cryptocurrency for transfers and begins to attract the interest of the largest financial players. Nick Regan points out that the change in the narrative surrounding XRP is not due to hype, but rather to quiet positioning within the financial infrastructure. This is why XRP is increasingly appearing in conversations on Wall Street, and not just in crypto media.
The cryptocurrency market often reacts with emotions, but this time the changes surrounding XRP have much deeper foundations.
Quiet positioning of XRP instead of media hype
Nick Regan emphasizes during a YouTube recording that XRP has been treated for years as a 'stopped story'. Investors saw a lack of spectacular increases and repetitive questions about the future price. However, the discussion has now shifted from charts to positioning and role in the financial system. This is a change in perspective from short-term to long-term usability.
Regan notes that key decisions are made outside the retail market. It's not about individual news but about who is building infrastructure around XRP. The involvement of large institutions suggests that someone is preparing for future applications. Therefore, Ripple's moves start to look logical when looking at the role, not the price.
In this context, Regan explains the mechanism of changing valuations in the eyes of major players.
“Repricing does not always happen first on the chart. Sometimes it happens in boardrooms. Sometimes it happens in balance sheets. And sometimes it happens when people who normally ignore crypto start to take a very close look at one specific asset. By the time the chart reflects it, the decision has already been made long ago. […] What they did was repriced XRP in the eyes of major players and perhaps soon in the broader market consciousness. It’s as if Ripple just updated XRP’s CV and gave it a promotion. Suddenly, XRP is not just a token for transfers. It’s a potential key element of global liquidity, a conversion layer for the entire financial system.”
This approach changes the way we view volatility and short-term fluctuations.
XRP and Wall Street – why institutions are watching closely
Ripple raised $500 million at a valuation of $40 billion from funds related to Wall Street. Among the investors are Fortress, Citadel Securities, Pantera, Galaxy, and Brevan Howard. Citadel, as the largest market maker in the US, does not invest without liquidity analysis. This is a signal that XRP may have significance in future institutional markets.
Additionally, Ripple conducted acquisitions exceeding $4 billion in 2025. The purchase of Hidden Road for $1.25 billion strengthens prime brokerage for institutions. Acquiring G Treasury for $1 billion opens access to trillions of corporate funds. Palisade completes the whole with secure custody infrastructure.
It's worth looking at these actions as a set of tools for traditional finance:
integration with institutions and banks,
access to global liquidity,
regulatory compliance,
infrastructure ready for asset tokenization.
Regan emphasizes that this is not a classic crypto story based on promises. It is rather the construction of a backend for real use in the financial system. In this arrangement, XRP begins to serve as a bridge, not a speculative asset. This is what attracts the attention of institutions that think in decades, not weeks.
XRP as infrastructure for global liquidity
One of the key elements of Ripple's strategy is the stablecoin RLUSD. RLUSD surpassed $1 billion in capitalization in less than a year from its launch. This product does not target retail but corporate treasury and hedging. Mastercard is testing RLUSD, and Web Bank and Gemini are already collaborating with Ripple.
Ripple also plans to purchase up to $1 billion XRP for treasury purposes. Purchases are to occur gradually, for example, $10–11 million daily over 90 days. This is about 20% of daily liquidity, creating steady demand rather than a sharp pump. The goal is to build a reserve for tokenized markets and payments.
Regan highlights the long-term potential of asset tokenization. According to forecasts by Ripple and BCG, this market could reach $12–23 trillion by 2033. XRP is expected to serve as a neutral converter between networks and digital currencies. An example is the immediate conversion of digital yen to digital pound through XRP.
Does this mean guaranteed success? Regan clearly states that risks still exist, including regulatory and competitive ones. However, Ripple stands out for its execution and collaboration with regulators. XRP does not compete with everyone but carves out a specific niche in global liquidity.
Does the price have to react immediately? No, because structural changes take time. Regan encourages understanding the 'why' instead of blind buying. This approach shows that XRP can be reassessed by utility, not by hype.
To get the latest cryptocurrency market analysis from BeInCrypto, click here.
