- •Bill Morgan confirms using XRP, sparking fresh debate on crypto payments.
- •XRP transactions fall 36%, yet community confidence remains notably strong.
- •Analysts highlight XRP’s fixed supply as key driver of scarcity.
The XRP community witnessed renewed discussions on the token’s real-world use after prominent pro-crypto lawyer Bill Morgan confirmed making a direct payment using XRP. According to his recent post on X, Morgan’s statement came as a response to a community poll questioning whether users had ever used XRP to pay for goods or services.
His simple confirmation sparked enthusiasm among XRP supporters who have long argued that the token’s payment functionality extends beyond investment use. Many users see his declaration as proof that XRP’s infrastructure is steadily advancing toward everyday financial adoption.
— bill morgan (@Belisarius2020) October 15, 2025
XRP’s Growing Utility and Market Impact
The community poll focused on payments made through supported debit or credit cards such as Uphold and Gemini or via point-of-sale systems. Consequently, Morgan’s response added further credibility to XRP’s real-world potential as a digital currency designed for speed and efficiency.
Besides individual use, Ripple continues to promote XRP as a key asset for cross-border and institutional transactions. Hence, Morgan’s revelation highlights the token’s progress toward bridging traditional finance and blockchain innovation.
However, despite the renewed optimism, XRP has recently seen a slowdown in on-chain activity. Data from analytics platform XRPSCAN revealed that XRP payments declined from 659,316 transactions to 421,488 within a day. This 36 percent drop reflected a temporary decrease in user transactions, possibly influenced by the broader market downturn.
Moreover, XRP’s price correction, which pushed it closer to the $1 mark, has not deterred long-term supporters. Many remain confident in its potential, pointing to growing institutional adoption and consistent developments from Ripple as positive signs of resilience.
XRP’s Fixed Supply Sparks Fresh Market Confidence
According to updates shared by Coinbase and market analysts, discussions surrounding XRP’s capped supply have intensified. Pro-Ripple lawyer Bill Morgan highlighted that the token’s fixed 100 billion limit gives holders a scarcity advantage compared to assets without a maximum cap.
He explained that this structure shields XRP holders from dilution, setting it apart from Ethereum’s unlimited issuance. Rajat Soni, CFA, supported this stance, noting that tokens lacking a supply cap often experience long-term devaluation.
Consequently, the renewed focus on XRP’s limited supply model has strengthened investor confidence, emphasizing scarcity as a defining factor for sustainable value growth.