Pundit to XRP Holders: Listen Here. This Flips Everything

In the world of digital assets, few topics generate as much confusion as XRP’s true value. Traditional investors often reach for the same playbook used in stocks and Bitcoin, focusing on market capitalization and supply metrics, but that approach misses the entire design philosophy behind XRP.

This isn’t an asset meant to sit idle in wallets. It’s built to move — fast, repeatedly, and at scale. And according to X Finance Bull, misunderstanding this core principle is why many people still underestimate XRP’s potential.

Why Market Cap Doesn’t Apply to XRP

In traditional finance, market capitalization equals share price multiplied by total shares. It measures ownership value — the total worth of a company based on how much investors are willing to pay for its stock. This makes sense for equities or store-of-value assets like Bitcoin, where investors hold for appreciation.

However, XRP operates on a completely different model. It isn’t a share in Ripple, nor is it a static store of wealth. It’s a bridge asset — designed to facilitate instant cross-border payments. When banks and payment providers use Ripple’s On-Demand Liquidity (ODL) solution, XRP acts as a medium of exchange, converting one currency into another within seconds.

This process repeats constantly, meaning the same XRP can be reused thousands of times in a single day.

Unlike stocks or Bitcoin, where holding defines value, XRP’s power lies in its circulation and transaction velocity. Market cap, which assumes a static asset pool, cannot accurately capture that kind of dynamic utility.

The Velocity Advantage: Flowing, Not Sitting

X Finance Bull explained that “$20 billion worth of XRP can power over $1 trillion in yearly payments through ODL.” This statement highlights the velocity concept — how the same units of XRP can move through the system repeatedly, multiplying the total transaction value far beyond the token’s nominal capitalization.

This is the foundation of what economists call the velocity of money. Just as oil lubricates an engine rather than defining its value by quantity in storage, XRP enables movement in the financial system. Its role is to flow, not to sit.

The higher the transaction speed and adoption, the greater its systemic importance, regardless of how many tokens are circulating or what their collective market cap suggests.

XRP and the Global Payments Opportunity

The global cross-border payment market exceeds $150 trillion annually, according to data from major financial institutions like SWIFT and the World Bank. Even a modest share of that volume routed through Ripple’s network could translate into extraordinary demand for XRP liquidity.

If Ripple continues expanding corridors with banks, remittance providers, and fintech firms, as it already has across regions like Asia-Pacific, Latin America, and the Middle East, XRP’s real-world utility could surge.

In that scenario, the price appreciation would not come from speculative hype but from structural necessity: institutions needing XRP to facilitate massive transaction throughput.

Rethinking Value: Throughput Over Capitalization

X Finance Bull’s core argument is that a $100+ XRP doesn’t require a $10 trillion market cap because market cap isn’t the right measure for a utility token driving liquidity. Instead, valuation should reflect XRP’s throughput capacity — its ability to settle enormous payment volumes with minimal friction.

This is a shift from thinking in static ownership metrics to recognizing XRP as a key piece of financial infrastructure. The more it’s used globally, the more valuable its function becomes.

The Future Belongs to Moving Value

The message to XRP holders is clear — stop applying outdated valuation models to a next-generation liquidity asset. XRP’s worth isn’t determined by how much sits in wallets but by how much it moves across the global economy. As X Finance Bull put it, “We don’t price gasoline by how much is in storage; we price it based on how vital it is to move the world.”

For XRP, that’s the paradigm shift, and it truly flips everything.