$XRP
Institutional adoption will accelerate rapidly in 2026.
He said, "By the end of 2026, this number will increase and every bank, asset management company, and payment network will have significant exposure."
Merrick argues that cryptocurrencies are no longer an optional asset class, meaning institutional investors must adopt them to remain competitive.
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Traditional banks (TradFi) that do not offer cryptocurrency services will lose customers to those that do. If a customer cannot hold Bitcoin or stablecoins in their JP Morgan or Chase account, they will move their capital to a fintech competitor (like Coinbase or Revolut).
He said, "It's no longer a matter of 'if'. It's 'how fast' ... The train has left the station."
