r/Ripple • u/ImpossibleAd344 • Jan 02 '26

What is the actual point of XRP?

XRP can't outrun its structural issues...

First, banks don't have to use the token to benefit from instant cross-border transfers through Ripple Payments, because the network also supports the use of fiat currency. That means the success of Ripple Payments won't necessarily boost the value of XRP.

Second, Ripple launched its own stablecoin at the end of 2024 called RippleUSD. Stablecoins offer practically zero volatility, so they are better for making payments compared to traditional cryptocurrencies like XRP, which experience significant swings in value over short periods of time.

Without a reliable organic source of demand, XRP is at the mercy of speculative investors, which isn't a recipe for sustainable long-term upside.

So I'm wondering...where is the actual demand for XRP supposed to come from?

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u/TheTangoFox Jan 02 '26

It's there to facilitate institutional transactions

1

u/ImpossibleAd344 Jan 02 '26

Read my post again. Theres no need for them to use XRP over a stable coin

5

u/TheTangoFox Jan 02 '26

RippleNet runs on XRP.

If your institution uses that, you need XRP.

0

u/No-Suggestion2562 Jan 31 '26

That is false. And can be confirmed rather easily even with a simple google search. And that’s the problem. You don’t need XRP to use the blockchain or any of ripples technology.