Crypto researcher SMQKE has renewed attention on XRP’s institutional trajectory by emphasizing that the asset is currently being tested by some of the world’s largest financial institutions.
In his latest post, SMQKE stated that XRP “is being tested by the world’s largest financial institutions” and stressed that this reality is based on documented evidence rather than conjecture.
He further argued that continued confusion around muted price performance is not due to a lack of information, but rather a decision by market participants to overlook existing disclosures.
According to SMQKE, investors are encouraged to review the available evidence, build awareness, and maintain conviction by following verifiable facts rather than market sentiment.
Reference to Prior Statements on Bank Testing Phases
To support his position, SMQKE highlighted an earlier tweet in which he detailed information from a presentation involving banks partnered with Ripple.
In that post, he asserted that major global institutions, including systemically important banks such as Santander, Bank of America, and Standard Chartered, are operating in a testing environment rather than fully deployed production systems.
He noted that these institutions remain in test mode, meaning Ripple’s technology has not yet been integrated into their daily live operations.
SMQKE explained that this testing status provides a direct explanation for XRP’s lack of substantial price movement despite ongoing discussion around its potential role in financial infrastructure. He stated that expectations of immediate market repricing are misplaced if institutions are still validating systems, workflows, and compliance processes before full operational use.
XRP is being tested by the world’s largest financial institutions.✅
This is not speculation.💯
Confusion about the lack of price action in this space is a CHOICE.🙇♂️
Read the evidence—> develop awareness —> maintain conviction—> follow the facts. https://t.co/1zWuuhkp5c
— SMQKE (@SMQKEDQG) February 3, 2026
Implications for XRP Price Expectations
In the highlighted post, SMQKE argued that meaningful price impact for XRP would only be expected once institutional testing concludes and banks transition to full-scale implementation.
He framed the involvement of systemically important banks as a constructive indicator rather than a disappointment, noting that extensive testing is consistent with how large financial institutions approach new infrastructure technologies.
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He further stated that once testing phases are completed, demand for XRP could emerge from its intended utility in financial transactions. According to SMQKE, the market currently appears to be adopting a cautious stance, with participants waiting for clear confirmation of live adoption and regulatory clarity before reassessing valuation assumptions.
Waiting for Operational Confirmation
SMQKE concluded his commentary by reiterating that institutional readiness is the decisive variable. He referenced a prior remark attributed to David Schwartz, stating that institutions must be prepared to “flip the switch,” a phrase used to describe the transition from testing environments to live operational use.
Until that shift occurs, SMQKE maintains that current price behavior should be viewed as consistent with the testing phase rather than as a rejection of XRP’s long-term utility narrative.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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