Home Blog Page 359

Doginal Dogs Founder Says XRP Can Help a Lot of People Retire

Abdulkarim Abdulwahab
-
0
Doginal Dogs Founder Says XRP Can Help a Lot of People Retire

Bark, founder of NFT project Doginal Dogs, believes XRP could be the key to helping many investors retire. 

He shared this sentiment in a post on X, boldly claiming that XRP will “retire a lot of people.”

Indeed, the ultimate goal for many in the crypto world is to generate enough returns to stop working. Some believe XRP’s price trajectory could be pivotal for those seeking financial independence.

The Path to Retirement

However, the amount needed to retire varies depending on factors like location and lifestyle. While some investors in low-cost living areas might be able to retire with $500,000, others, especially in high-cost places like the U.S., may need much more.

For example, a CNBC report earlier this year highlighted that retiring in Hawaii would require a whopping $2.21 million to live comfortably for 25 years, the highest amount for any U.S. state. The average U.S. retirement goal is just above $1 million.

Given these realities, some wonder whether simply holding XRP could be enough to achieve retirement. If we take the $2 million retirement target as a benchmark, could XRP reach a price that allows investors to hit that goal?

How Much Does XRP Need to Appreciate for Retirement?

This article considers a scenario where an investor starts with $10,000. At XRP’s current price of $1.91, one can buy 5,263 tokens with $10,000.

To hit the $2 million retirement target, XRP would need to surge to $380 per token, a staggering 19,900% increase. Notably, this price level pushes the market cap to a jaw-dropping $22.8 trillion.

While this is highly speculative and unlikely in the short term, it shows just how far XRP would need to rise to reach this value.

For instance, Changelly crypto exchange estimates that XRP could reach $380 by April 2040, about 14 years from now. On the other hand, Telegaon analysts suggest XRP cannot reach $380 even by 2050, projecting its highest possible price at $128.

changelly price prediction
Changelly price prediction

In a more realistic scenario, an investor would need to contribute more than $10,000 at today’s price. For example, to retire with $2 million when XRP reaches $100, an investor must hold 20,000 XRP tokens, which currently costs about $38,000.

Similarly, someone holding 50,000 XRP, costing just under $100,000, would reach the $2 million goal if XRP hits $40.

For a $500,000 investment, the journey is much faster. The portfolio could reach $2 million if XRP climbs to around $7.60 per token, a more attainable target over the next few years.

Yet, individuals with $500,000 to invest are already in a comfortable position. Most crypto participants are retail investors with far less disposable income to commit to long-term investments. Nonetheless, the overall point remains: increasing exposure can reduce the time needed to achieve a retirement goal.

What Comes After?

According to industry expert Jake Claver, CEO of Digital Ascension Group, careful preparation matters more than chasing big gains. He notes that many investors focus on price spikes but aren’t prepared for challenges like taxes, frozen accounts, or security risks.

Claver recommends preparing early with tools such as trusts, LLCs, and tax strategies. He also suggests using XRP as collateral for loans to access cash without triggering heavy taxes. For larger portfolios, a digital family office can assist with governance, succession planning, and long-term wealth protection.

Without proper planning, crypto wealth often disappears within two generations. So, Claver stresses legal, tax, security, and generational strategies to preserve wealth over time.

Expert Says Selling XRP Today is Like Selling Berkshire Hathaway Too Early

Lele Jima
-
0
Expert Says Selling XRP Today is Like Selling Berkshire Hathaway Too Early

Linda P. Jones, a Wall Street analyst, has underscored XRP’s long-term potential by comparing its current performance to Berkshire Hathaway shares in their early years.

In her commentary, Jones drew a clear distinction between XRP and much of the broader crypto market. She emphasizes that XRP is not a meme coin–one driven by hype, social media buzz, or short-term speculation. Moreover, she stresses that XRP is not a typical cryptocurrency, setting it apart from most digital assets.

This view aligns with a broader narrative within the XRP community, where supporters consistently differentiate XRP from tokens built mainly for decentralized experimentation or speculative trading. In contrast, XRP is closely tied to institutional use cases.

Specifically, its role within Ripple’s payments infrastructure and its adoption by financial institutions such as SBI make XRP’s characteristics more comparable to a financial network asset than to a retail-driven crypto token. 

Selling XRP Now Is Like Dumping Berkshire Hathaway Shares Early 

Based on this, Jones argues that selling XRP today is akin to selling Berkshire Hathaway shares during its formative years. For context, Berkshire Hathaway was formed in 1955 from the merger of Berkshire Cotton and Hathaway Manufacturing and initially operated as a modest textile company.

However, the company’s trajectory changed dramatically when American investor Warren Buffett began aggressively accumulating its stock in 1962. He ultimately assumed control as CEO in 1965, transforming the company into one of the world’s most valuable conglomerates. 

In its early days, Berkshire Hathaway traded like any other stock, frequently overlooked and undervalued by investors who failed to recognize its long-term potential. As a result, early sellers missed decades of compounded gains, while patient holders ultimately reaped extraordinary rewards. 

BRK:A Massive Growth 

For context, since Berkshire Hathaway’s Class A shares (BRK.A) debuted on the NYSE, the stock has delivered an all-time return of 304,230%. Notably, Jones believes XRP is now at a similar inflection point, suggesting the token could be poised for a major long-term rally.

However, she urges XRP holders to remain patient as the asset matures toward a trajectory that could be seen as BRK.A–like. This perspective comes at a time when XRP continues to face notable downward pressure.

After reaching a multi-year high of $3.65 in July, the token has since declined by 47.67%. Currently trading around $1.91, XRP remains 50.17% below its all-time high of $3.84. Notably, several other major cryptocurrencies, including Bitcoin and Ethereum, have also suffered significant pullbacks during this period.

Nonetheless, XRP proponents remain optimistic. They believe the token could rebound as multiple catalysts, ranging from growing institutional demand to regulatory progress via the CLARITY Act, begin to align. 

Ex-Banker Claims Ripple Set Aside XRP Escrow for Global Institutional Liquidity, Not Sales

Mark Brennan
-
0
Ex-Banker Claims Ripple Set Aside XRP Escrow for Global Institutional Liquidity, Not Sales

An XRP community figure has claimed that Ripple pre-allocated its XRP escrow for global institutional liquidity, not market sales.

Recently, discussions around Ripple’s XRP escrow have gained momentum, as market watchers persistently question whether Ripple fully controls the escrowed tokens or if it already set aside part of the supply for institutions. For context, Ripple currently holds about 34.4 billion XRP, worth over $64 billion, in escrow.

Ripple Never Planned for Open Market Sales

Amid the discussions, Lord Belgrave, who claims to be a former banker, shared what he said was privileged information about Ripple’s purpose for the escrow. 

 

Interestingly, the market pundit suggested that Ripple never planned to use the escrow as a pool of tokens to sell into the open market. According to him, the firm built the system to support long-term institutional use.

Belgrave said Ripple created the escrow with a purpose that involves locked supply, fixed release schedules, and long-term planning that focused on when institutions would be ready to use XRP, not on short-term price movements. To him, Ripple treated the escrow as part of its payment infrastructure.

XRP Escrow Regarded as Institutional Liquidity Set Aside

He also claimed that people in private meetings spoke about the escrow as liquidity already set aside. Although Ripple never publicly named who would use the tokens, those involved believed that a large share of the escrow already had a role in future systems. 

Belgrave claimed that decision-makers do not see the escrow as extra inventory but as resources already planned for use.

He explained that these talks took place under strict non-disclosure agreements (NDAs). According to him, they involved institutions from Europe, the Middle East, and Asia, not just the United States. He mentioned central banks, major financial institutions, and international organizations as participants.

The market commentator added that discussions included groups like the International Monetary Fund and the Bank for International Settlements, which focused on global payment systems rather than marketing deals. It bears mentioning that documents from the Ripple vs. SEC case already confirmed the existence of 1,700 NDAs involving Ripple and financial institutions.

To avoid misunderstanding, Belgrave said he was describing how insiders saw the escrow. He stressed that Ripple treated the escrow as future liquidity already committed, not as tokens it could freely sell. From his experience, Ripple had accounted for much of the supply long before the public discussions began.

Change in Tone Post Bank Charter Approval

Belgrave also called attention to recent changes in how institutions speak about Ripple. He said the changes became more noticeable after Ripple received conditional approval for an OCC bank charter. 

According to the pundit, the use of language tied closely to Ripple’s system may mean that long-standing non-disclosure agreements are nearing an end. He believes that once a system moves from planning to real-world use, secrecy begins to fade.

NDAs Do Not Simply Expire

Meanwhile, responding to Belgrave, Vincent Van Code, a software engineer and XRP community figure, agreed that multiple NDAs exist around Ripple and its partners, but he said they do not simply expire.

Van Code explained that both sides must agree in writing before sharing any confidential information. According to him, these agreements mainly protect partner institutions by keeping sensitive details private. He added that NDAs help companies avoid regulatory issues until they complete audits, compliance checks, and other required processes.

Expert Predicts New Timeline for XRP to Reach $100 After Failing 2025 Prediction

Abdulkarim Abdulwahab
-
0
Expert Predicts New Timeline for XRP to Reach $100 After Failing 2025 Prediction

Prominent XRP community figure Zach Rector has posted a new timeline for when he believes the XRP price could reach the highly coveted $100 level.

In particular, Rector now believes that a $100 XRP could happen in 2030. This marks a major modification from his earlier bullish stance, which placed triple-digit prices much sooner.

Back in November, Rector made a bold case for XRP reaching $100 by the end of 2025. Specifically, he claimed that dismissing $100 XRP in 2025 is similar to telling children that Santa isn’t real.

With only 10 days left until 2025 winds down, Rector is now backtracking on the $100 outlook he boldly projected for the year. He currently points to 2030 as a more realistic timeline for XRP reaching $100.

“Avoid Hype Numbers,” Community Reacts

However, Rector’s revised timeline did not sit well with parts of the XRP community. Several commenters accused him of moving the goalposts after earlier aggressive forecasts. X user Some Dude challenged the shift, questioning what had changed to push end-of-year predictions off the table so quickly. 

Another commenter, MV, dismissed long-term price targets altogether. He argued that the real challenge for investors is simply holding XRP until 2030. Meanwhile, MV also urged holders to mute all YouTubers like Rector who promote highly optimistic price outlooks.

Similarly, Ryan Camden called on Rector to stop issuing price predictions entirely, arguing that repeatedly throwing out specific numbers without certainty does more harm than good.

X user Big Willie stated that frequent backtracking is a pattern among many influencers. He argued that credibility fades when bold predictions are walked back without clear justification.

community reactions
Community reactions

Why the $100 Prediction Became Controversial

When Rector first floated the idea of $100 XRP in November, it generated intense debate, as the market was extremely bearish at the time and the price outlook required an incredible price leap that many considered unrealistic in a bear market.

Meanwhile, since then, not much has changed. XRP remains roughly around the same price level. The token is trading at approximately $1.19, up 4.59% on the day, though it remains down 5.89% over the past week. XRP briefly touched $1.77 yesterday before pulling back and attempting to regain momentum toward the $2 level.

Long-Term Optimism Still Lingers

Despite the backlash, long-term optimism around XRP has not disappeared. Some market watchers maintain that triple-digit prices are possible over many years. 

Most analysts and commentators agree on a 2030 timeline for $100 XRP. This includes YoungHoon Kim, an entrepreneur reportedly with the world’s highest IQ.

Meanwhile, predictions from researchers, including those at Bitwise, Telegaon, and Changelly, forecast far lower prices for XRP by 2030. For instance, Bitwise believes XRP would only reach $29 by 2030, even under its most extreme bullish scenario.

K9 Finance Breaks Silence on Shiba Inu Affiliate Badge Removal Amid Shibarium Dispute

Lele Jima
-
0
K9 Finance Breaks Silence on Shiba Inu Affiliate Badge Removal Amid Shibarium Dispute

K9 Finance DAO has addressed the recent confusion within the Shiba Inu community after affiliate verification badges suddenly disappeared from multiple ecosystem accounts on X.

Earlier, community members noticed that several Shiba Inu-related projects and key team members had lost their affiliate verification badges. The change affected major ecosystem accounts, including those belonging to partners such as K9 Finance DAO and Bad Idea AI. 

K9 Provides Clarity 

As speculation grew over possible shifts in partnerships or internal priorities, K9 Finance moved quickly to clarify the situation. In its statement on X, K9 explained that the removed badges were linked to the @Shibtoken Business Subscription, a paid verification program associated with the account widely regarded as Shiba Inu’s official X account. This subscription previously extended affiliate verification to connected projects and accounts.

Furthermore, K9 confirmed that the action was not limited to its own account. The removal also impacted other Shiba Inu ecosystem projects and figures, including Shib: The Metaverse, Shibarium, and top developer Kaal Dhairya. 

The team confirmed it has spoken directly with the Shiba Inu leadership and the @Shibtoken account, which clarified that the decision was purely financial and operational in nature. Notably, K9 Finance emphasized that the move does not signal a breakdown in relationships or a change in long-term commitments. 

Shiba Inu’s Official X Confirms Move 

Shiba Inu’s official X account later reinforced this message, acknowledging community feedback and confirming that internal adjustments had been made. 

The account noted that the gold verification checkmark had been reapplied, but without affiliate links, while reiterating that the project’s core focus remains firmly on SHIB and the broader ShibArmy. 

In the meantime, while K9 Finance has already secured its standalone verification badge on X, a review of the platform shows that many other affected projects have yet to acquire theirs. 

K9 to Reconsider Relationship with Shibarium 

This development follows earlier tension between K9 Finance and the broader Shiba Inu ecosystem. Just a week earlier, K9 Finance hinted that it could sever ties with Shibarium, Shiba Inu’s official Layer-2 blockchain, if affected users are not fully compensated for losses from the network’s Bridge hack.

For context, holders of K9’s native token, KNINE, were among the victims of the Shibarium Bridge attack on September 12. In response, K9 attempted to facilitate the recovery of funds by offering the attackers a 20 ETH bounty, but the hackers rejected the proposal. 

Subsequently, K9 disclosed that communication from the official Shiba Inu team regarding recovery efforts had gone silent. As a result, it announced plans to hold a community vote on its future relationship with Shibarium if victims remain uncompensated by January 6, 2026.

However, despite these unresolved issues, K9 emphasized that the recent removal of its verification badge is unrelated to the dispute. Instead, the team clarified that the change affected all ecosystem projects equally and was driven solely by a broader cost-saving decision. 

Dr Stevenson Reveals Why Banks Need the XRP Price to Be Higher

Mark Brennan
-
0
Dr Stevenson Reveals Why Banks Need the XRP Price to Be Higher

Dr. Camila Stevenson, a health and finance expert, has revealed why banks and other financial institutions may need the XRP price to be higher.

Recently, XRP has remained under bearish pressure as the broader crypto market continues to struggle. Since October, the global crypto market has lost more than $1.3 trillion, and XRP has followed that trend. Over the past three months, XRP has declined by 33%, leading to increasing bearish sentiments.

However, some analysts and commentators warn that those who focus only on short-term price action may be missing the more important picture. 

Watching XRP’s Price Can Be the Wrong Approach

One of these individuals is Dr. Camila Stevenson, a health and finance commentator, who recently explained why banks and institutions may actually need the XRP price to be higher for the system to function properly.

In a recent video commentary, Stevenson argued that most investors ask the wrong questions about XRP. To explain, she used an infrastructure analogy, pointing out that engineers do not judge a bridge by today’s cost. 

Instead, they ask how much weight it can carry, how much stress it can withstand, and whether it still works when the system comes under pressure. 

Stevenson said the XRPL architects designed XRP in the same way. According to her, people who ask why XRP’s price has not moved yet still think like consumers and traders. She suggested that the important question should be about what the architects built the system to handle when pressure appears. 

How Retail Think Vs How Institutions Think

Stevenson then highlighted a major difference between retail investors and institutions. Specifically, she said retail participants tend to look at assets “from the outside in,” focusing on charts, candles, price levels, and short-term movements. 

Meanwhile, institutions do the opposite. According to her, they analyze assets “from the inside out” and ask what problem the asset solves, how it performs under stress, whether it can move value at scale, and whether it functions during market instability. 

Stevenson explained that the difference between how retail and institutions think has led to much of the confusion around XRP. She stated that XRP was never designed to behave like a speculative asset first. Instead, the architects built it as “financial plumbing.” Notably, such infrastructure only draws attention when it fails.

According to Stevenson, large financial systems do not fail simply because prices fall. They fail when money cannot move, when settlement takes too long, when liquidity fragments, when slippage rises, and when counterparty risk explodes. When it affects institutions, these issues can be catastrophic.

She explained that retail investors ask, “What can I sell this for later?” while institutions ask, “Can this asset carry massive flows without breaking the system?” Stevenson said XRP seeks to answer the second question. This aligns with what analyst XFinanceBull said, urging investors to think about XRP in flows and not in price.

Why Banks Prefer a Higher XRP Price

Stevenson emphasized that XRP is not a company, not equity, and does not represent ownership in Ripple. Instead, it acts as a liquidity instrument. 

Due to its fixed supply, XRP cannot scale by creating more units. As a result, the market pundit said the only way it can support larger transaction volumes would be when each unit represent more value.

Stevenson explained that the XRPL architects designed XRP to function as a bridge, not a bet. Institutions do not aim to profit by flipping settlement assets. They want to move money safely and efficiently. 

According to her, a higher XRP price improves efficiency because banks moving billions prefer fewer units that represent more value rather than millions of small units. Interestingly, the Ripple CTO, David Schwartz, made similar statements when he argued in 2017 that “XRP cannot be dirt cheap.”

Speaking further, Stevenson added that institutions often position themselves off-exchange, through custodians, OTC desks, and private agreements. These activities do not show up as dramatic price moves on charts. 

In fact, Stevenson argued that sudden price spikes during positioning would signal instability, not success. Essentially, stability, deep liquidity, predictable settlement, and quiet absorption of supply matter more to these firms.

Top American Exchange Shares Price Targets for XRP at $9 and $13

Lele Jima
-
0
Top American Exchange Shares Price Targets for XRP at $9 and $13

Prominent crypto exchange Uphold has drawn attention to a price prediction for XRP generated by a leading AI model for the current bull cycle.

In a post on X, Uphold shared a recorded conversation with xAI’s Grok, outlining how much XRP could be worth at the peak of this market cycle. Accompanying the post, the exchange asked Grok to apply the most accurate forecasting approach to estimate XRP’s price, which aligns with the expected conclusion of the current cycle. 

Grok’s Bull Run Forecast for XRP 

In response, the AI model evaluated multiple factors, including technical analysis and market sentiment. From a technical perspective, Grok pointed to Bitcoin’s four-year cycle as a key catalyst that could influence XRP’s price. It noted that altcoins, including XRP, have historically tracked Bitcoin’s post-halving performance, a period often associated with strong market rallies.

Based on this framework, Grok projected that XRP could climb to around $33 under a post-halving–driven scenario, or reach approximately $13 using a linear regression model.

However, when factoring in broader market sentiment, particularly optimism stemming from the resolution of Ripple’s lawsuit and growing institutional adoption, Grok suggested XRP could theoretically rise to between $111 and $165 by the end of the current cycle. Notably, the AI model stressed that these higher targets remain highly ambitious and should be viewed as unrealistic under normal market conditions. 

Realistic Targets 

As a result, the AI model identified $9 and $13 as more realistic price targets for XRP, aligning with the latter stages of the 2025 bull market, which many analysts believe is still unfolding. Several market experts argue that the traditional four-year cycle theory is no longer fully applicable. Analysts such as Raoul Pal, Willy Woo, and Dan Tapiero have suggested that increasing institutional participation, ETFs, and global liquidity shifts could extend the current bull cycle well beyond historical norms.

Under this view, pullbacks are increasingly seen not as trend reversals, but as strategic buying opportunities, with the broader uptrend expected to persist longer than in previous cycles.

With XRP currently trading around $1.80, the token would need to rally by approximately 343% to reach $9 and about 540% to hit the $13 target.

Although XRP has struggled to gain momentum since October, the token has a history of delivering sharp, late-cycle rallies. Notably, in November 2024, XRP surged nearly 5x, reinforcing its reputation for sudden upside moves. Moreover, several recent developments could help support a push toward the $9–$13 range.

First, XRP has largely cleared its regulatory overhang in the United States following the resolution of the SEC v. Ripple lawsuit. In the wake of that outcome, multiple asset managers have launched ETFs linked to XRP. So far, these products have attracted $1.18 billion in net assets, a figure many expect to grow further.

As these funds accumulate more XRP, the supply of tokens available on the open market could shrink significantly. This could, in turn, mount upward pressure on the token’s price, mirroring a similar trend observed with Bitcoin. 

In addition, XRP’s close association with Ripple continues to bolster its global legitimacy. This credibility has strengthened further after Ripple secured conditional approval to charter a National Trust Bank. Notably, many community members believe this move will draw renewed attention to XRP’s role within the Ripple ecosystem. Increased visibility and utility could, in turn, support higher demand for the token.

Despite these favorable developments, it remains uncertain whether XRP can climb to $9 or $13 before the current cycle ends, particularly with less than two weeks remaining in the year. 

Expert Explains Why XRP Price Must Rise When It Trades Like Infrastructure, Not Like Crypto

Albert Brown
-
0

A well-known market commentator has suggested that the XRP price would need to rise to reduce the amount necessary per transaction when utility arrives.

Notably, XRP has struggled during the broader market downturn, moving lower alongside most digital assets. However, Rob Cunningham, who hosts the KWUL Show, believes XRP’s long-term price direction will not depend on speculation. Instead, he believes real-world use will ultimately determine where the asset trades.

XRP Price to be Determined by Utility

Cunningham explained that markets focus on future utility, not outdated stories. To him, if XRP continues shifting away from speculation and into a major role as a liquidity tool for the financial system, price discovery will change. Institutions will stop reacting to retail sentiment and begin valuing XRP based on balance-sheet needs.

He further noted that markets typically price assets several months in advance. As a result, the main issue is not short-term price swings but whether XRP’s structure forces large institutions to hold it rather than trade it. 

Importantly, if institutions must keep XRP on hand to operate efficiently, long-term demand would increase and could push prices higher in a lasting way.

Regulatory Clarity, DTCC Recognition, and RLUSD

Cunningham then highlighted multiple developments that could lead to XRP realizing its much-needed utility. He first called attention to regulatory clarity. Specifically, once regulators clearly define XRP’s legal status and Ripple fully secures a U.S. bank charter, uncertainty would fade. Institutions could then gain the legal confidence to hold XRP. 

Specifically, treasury departments could place it on their books without penalties, and compliance teams no longer block exposure. This change moves XRP from a restricted asset into approved financial infrastructure, potentially bringing in capital that previously stayed on the sidelines.

Secondly, he then highlighted the importance of possible recognition by the Depository Trust & Clearing Corporation. Notably, if XRP qualifies as approved collateral within DTCC systems, this could be massive. Institutions would hold XRP to reduce collateral costs, speed up settlements, and lower counterparty risk. 

Assets used as collateral do not behave like speculative trades. Instead, institutions stockpile them, much like government bonds or gold, which further limits available supply.

Cunningham also stressed the role of Ripple’s stablecoin, RLUSD. If XRP becomes the required liquidity bridge for RLUSD transactions, every transfer creates direct demand for XRP. With this, XRP would act as the neutral settlement layer, absorbing volatility and connecting different regions. 

Cunningham argued that stablecoins do not remove the need for bridge assets. According to him, global finance still requires a neutral medium, just as oil markets rely on the dollar and foreign exchange relies on shared liquidity.

Yen Carry Trade Unwind, Policy Changes, and XRP ETFs

For the third factor, he pointed to the yen carry trade unwind. Cunningham noted that if the yen carry trade unwinds, capital will likely exit low-yield currencies and move toward assets that offer speed, reliability, and strong collateral features. 

XRP meets these needs by operating without a sovereign issuer, settling instantly, and avoiding traditional banking friction. Cunningham sees this as a global liquidity movement rather than a crypto-specific event.

Moreover, he suggested that policy changes could act as the fourth factor. Specifically, tariff revenues would provide governments with income that does not rely on debt, while new leadership at the Federal Reserve could reset monetary priorities. 

In such conditions, markets reward assets that improve settlement efficiency and collateral movement. XRP fits that profile better than highly leveraged speculative assets.

Cunningham also discussed the impact of a potential BlackRock XRP ETF if it ever emerges. Notably, the existing XRP ETFs recently crossed $1 billion in net inflows. According to Cunningham, the funds create automatic buying and steady demand that ignores short-term price movements, as ETFs focus on allocation and custody, not market sentiment. 

XRP Price Would Need to Rise

He then pointed to XRP’s supply situation. For context, XRP has a fixed supply, and its escrow releases follow a known and transparent schedule. Unlike retail traders, institutions do not rotate supply frequently. They lock assets away for operational use. 

Even limited adoption across global settlements, tokenized real-world assets, or interbank liquidity could quickly reduce available XRP. This led to Cunningham’s main point about how all this utility could impact XRP price. 

According to him, as XRP handles more transaction volume, its price must rise. A higher price reduces the amount of XRP required per transaction, allowing the system to function efficiently. Interestingly, the Ripple CTO, David Schwartz, made a similar statement in 2017.

Notably, if the price fails to adjust upward, transactions would require larger quantities of XRP, which would strain liquidity. According to Cunningham, this outcome comes from simple math, not speculation.

He then presented how all this could progress. First, legal clarity and institutional positioning trigger a market revaluation. Next, real utility locks in demand through collateral use, treasury holdings, and ETFs. Over time, price discovery reflects transaction volume, locked supply, and global liquidity needs. 

The market commentator noted that at this stage, XRP would no longer trade like a typical cryptocurrency. Instead, it would function like financial infrastructure.

Pundit Says “I Refuse to Be Bearish on XRP” — Here’s Why

Lele Jima
-
0
Pundit Says “I Refuse to Be Bearish on XRP” — Here’s Why

Popular XRP analyst Alex Cobb remains highly optimistic about XRP, saying that recent developments make it hard to ignore the token’s potential.

This is despite a market-wide crash that has shaken many crypto investors. XRP has dropped over 50% from its July peak of $3.66, frustrating its holders.

Earlier this year, XRP was the third-largest cryptocurrency, but it has now fallen to fifth place, overtaken by BNB. Many investors are unhappy with this performance, and some are moving their funds into stablecoins.

Community Figure Refuses to be Bearish on XRP

Alex Cobb, a prominent figure in the XRP community, has taken a different stance. In a post on X, Cobb stated that he refuses to become bearish on XRP, highlighting his unwavering confidence.

Notably, he indicated that the convergence of multiple catalysts drives his confidence. His commentary specifically cited confirmation from White House AI and Crypto Czar David Sacks that a markup of the long-awaited CLARITY Act is scheduled for January 2026.

As previously reported, Sacks revealed that the January timeline was finalized after a joint call between key Senate committee leaders.

Significance of the CLARITY Act

Major crypto stakeholders have emphasized the importance of the CLARITY Act, describing it as a potential turning point for the industry. The legislation will establish a clear regulatory framework for cryptocurrencies and tackle persistent market challenges. Industry participants believe the comprehensive bill could open the floodgates for increased institutional participation.

Meanwhile, after the committee completes its markup of the CLARITY Act, the bill will advance to the full Senate for a final vote. An approval will then move it to the U.S. House of Representatives for final consideration before Trump signs it into law.

Other Factors Fueling Optimism

Beyond the anticipated CLARITY Act, several additional developments may be reinforcing Cobb’s bullish outlook on XRP. In particular, rising demand for XRP spot ETFs and the emergence of digital asset treasuries centered on the token stand out as key drivers.

Notably, multiple spot XRP ETFs have launched in the U.S. following the debut of Canary’s first product last month. These funds have recorded steady inflows, prompting issuers to acquire hundreds of millions of XRP to back their shares. Collectively, these spot XRP ETFs now hold approximately $1.14 billion in total net assets. Their consistent acquisition could reduce the amount of XRP available on the open markets, potentially helping the price soar.

At the same time, institutional interest in XRP treasuries continues to grow. Several companies, including VivoPower, Wellgistics Health, and Webus International, have announced plans to establish treasuries to hold XRP.

Interestingly, Ripple recently took part in a joint initiative with Evernorth to create what is expected to become the world’s largest XRP treasury project. The deal involves the purchase and long-term holding of up to $1 billion in XRP. Evernorth will finalize its merger with Armada Acquisition Corp II next year, ahead of a planned public listing.

These catalysts, ranging from regulatory progress to accelerating institutional demand, are beginning to align, fueling increasingly bullish sentiment within the XRP community.

Crypto For The Rest of Us: What Prestmit Teaches About Building For Real Humans

Esra Zuhal
-
0
Crypto For The Rest of Us: What Prestmit Teaches About Building For Real Humans

Most crypto apps were built for crypto people — the ones who enjoy charts, liquidity pools, and acronyms that sound like passwords.

But what about the rest of us?

The freelancers, creators, and small business owners who just want to get paid, send value, or top up their data — without a crash course in blockchain engineering?

That’s where Prestmit comes in with a refreshing truth: crypto doesn’t need to feel like crypto.

The Human Side of Crypto

Meet Johnny — a freelance copywriter in Lagos.

He just landed a client in Sydney who insists on paying in Bitcoin. Johnny’s heard about crypto, but he’s never used it. His first thought: “How do I even collect this?”

Normally, he’d have to:

  1. Set up a wallet.

  2. Understand network fees.

  3. Convert Bitcoin to Naira somewhere.

  4. Hope the value doesn’t drop before he figures it out.

But Johnny finds Prestmit — a platform that takes care of the messy parts. He receives Bitcoin into his personal wallet address, and Prestmit automatically credits his Naira balance after blockchain confirmation.

By the time Johnny refreshes the app, the money’s already there.

He never touched an exchange. Never saw a graph. Never worried about volatility.

He just got paid.

When Design Meets Empathy

The genius of Prestmit isn’t in its code — it’s in its empathy. It assumes users don’t want to “learn crypto.” They just want to do something useful with it.

That design choice changes everything:

  • No complex dashboards.

  • No trading jargon.

  • No waiting hours for “manual approvals.”

Instead, a clean interface that says, “You send crypto, we’ll handle the rest.” It’s UX as a trust contract — simplicity backed by automation.

Why This Matters in Africa

In Africa, crypto adoption isn’t about speculation — it’s about survival and convenience.

Most users aren’t “investors”; they’re workers, hustlers, and families moving value across borders. But the infrastructure gap between blockchain and local currencies is still wide.

Platforms like Prestmit fill that gap with local on-ramps and off-ramps — supporting both Naira and Cedis — while making everything feel familiar. That’s why Prestmit also allows users to trade gift cards, buy airtime, and pay bills in the same ecosystem. It’s not just about crypto — it’s about digital life made easier.

The Big Lesson for Builders

The next generation of fintech products won’t win by teaching users how crypto works.

They’ll win by making users forget they’re using crypto at all. Prestmit proves that adoption doesn’t always come from more features, but from fewer steps.

It’s not about building for the “crypto community.” It’s about building for communities that happen to use crypto. Because when you strip away the tech and focus on human needs — speed, trust, ease — crypto becomes what it was meant to be all along: useful.

Final Thought

Prestmit’s quiet innovation is a reminder that the future of crypto won’t be led by those shouting “blockchain!” the loudest.

It’ll be built by those who whisper, “Don’t worry, we’ve handled it.”

👉 Discover how simplicity changes everything at prestmit.io.

Disclaimer: This Press release article is provided by the Client. The Client is solely responsible for this page’s content, quality, accuracy, products, advertising, or other materials. Readers should conduct their own research before taking any actions related to the material available on this page. The Crypto Basic is not responsible for the accuracy of info and any damage or loss caused or alleged to be caused by the use of or reliance on any content, goods, or services mentioned in this press release article.

Please note that The Crypto Basic does not endorse or support any content or product on this page. We strongly advise readers to conduct their own research before acting on any information presented here and assume full responsibility for their decisions. This article should not be considered investment advice.

1...358359360...2,628Page 359 of 2,628