The discussion surrounding XRP has shifted from potential to present utility. Attention has turned toward how global payment systems are evolving and which assets can operate within them at scale.
In a recent post, crypto analyst Jake Claver addressed that shift while explaining XRP’s position within the global financial system.
His remarks focused on timing, bank readiness, and how XRP could fit into institutional settlement infrastructure. XRP, in this view, increasingly aligns with how large financial institutions move value across borders. That alignment matters more now than in prior cycles.
XRP is looking more and more like it will claim it's spot as a global bridge asset and possibly be recognized by the BIS as tier-one asset in the future.
— Jake Claver, QFOP (@beyond_broke) January 6, 2026
Institutional Readiness Takes Center Stage
Claver addressed a question that often surfaces around XRP. One community member asked why the asset is relevant now. He argued that the same could have been true 8 years ago because Ripple had been doing the work before then. Claver’s answer focused on banks, not the asset itself. He stated that banks are ready now, but were not 8 years ago.
Over the last decade, banks invested heavily in compliance systems, real-time settlement tools, and tokenization research. Cross-border payments remain costly and slow. Institutions continue to seek neutral bridge assets that reduce friction between currencies. XRP targets that exact use case.
Earlier cycles lacked this infrastructure. Many banks still relied on outdated messaging systems. Regulatory clarity remained limited. Today, pilot programs and live deployments tell a different story. Readiness shapes adoption, while rising adoption shapes demand.
BIS Recognition and Asset Classification
Claver also referenced the possibility of XRP earning recognition as a tier-one asset under frameworks tied to the Bank for International Settlements (BIS). Such classification would place XRP within a narrow group of assets viewed as highly liquid and low risk for balance sheet purposes.
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This discussion highlights how institutions evaluate assets. They prioritize settlement speed, liquidity depth, and operational efficiency. XRP’s design targets these metrics. Recognition by bodies tied to global banking standards would likely accelerate institutional use.
Price growth often follows utility expansion. Increased use as a bridge asset would require liquidity across corridors. Liquidity requires capital. Capital inflows tend to support higher valuations.
XRP already maintains deep liquidity. Institutional rails could amplify that depth. As transaction volumes increase, demand for on-demand liquidity also grows. Supply dynamics are fixed, allowing room for demand to grow. XRP’s total supply does not expand with usage.
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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