🧠 Institutional Perspective vs. Retail Trading
1. Different Questions, Different Focus
Dr. Camila Stevenson argues that retail investors focus on short-term price moves, charts and speculation. By contrast, banks think about utility, capacity and reliability — not trading profits. Institutions ask whether a system can move large amounts of value efficiently and safely, especially under stress. �
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📊 XRP as Financial Infrastructure
2. XRP Is Designed as a Bridge Asset
According to Stevenson, XRP isn’t meant primarily as a speculative asset. It was built on the XRP Ledger (XRPL) as a settlement and liquidity tool that can help move money across borders quickly and at low cost. Banks care about how well it works, not what the chart looks like. �
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💰 Why a Higher Price Might Matter
3. Fixed Supply Means Value per Unit Gains Importance
XRP has a fixed supply, so it can’t create more tokens to meet higher transaction demand. If institutions want to use XRP to settle very large flows, then each unit representing more value (a higher price) can make this more efficient — fewer units are needed, reducing complexity and potential slippage when moving billions. �
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4. Efficiency in Real-World Use
Stevenson points out that for banks handling huge transactions, using fewer high-value units may be simpler than managing enormous amounts of low-value tokens. It can make settlement cleaner and potentially reduce friction. �
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🏦 Institutional Positioning Happens Quietly
5. Off-Exchange Activity
She also notes that major institutions often position themselves off exchanges — via custodians, OTC desks, and private arrangements — so their interest (and any demand for XRP) might not immediately show up as dramatic price moves in public markets. �
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📉 Not an Immediate Price Signal
It’s crucial to understand this is a perspective from commentators, not proof of institutional demand or guaranteed price growth. The market still largely moves on trading sentiment, regulation, and liquidity. �
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📰 Related Context
XRP’s recent price has been under pressure along with the broader crypto market, with significant declines over recent months. �
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Analysts emphasize that institutional use cases focus on flows and utility rather than short-term price action. �
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Summary:
Dr. Stevenson explains that banks might want a higher XRP price because a more valuable token can better serve as an efficient bridge asset for moving large amounts of money, fitting the institutional need for liquidity, reliability, and simplicity — rather than speculating on price alone.
