Debate around XRP often centers on a familiar criticism: that Ripple monetises XRP primarily to fund the acquisition of traditional companies and assets, implying that XRP itself is secondary to a more conventional corporate strategy.
In a recent post, crypto analyst Cryptoinsightuk challenges this interpretation, arguing that it rests on a fundamental misunderstanding of how Ripple views XRP and why monetisation occurs at all. According to the analyst, the issue is not whether XRP is sold, but the purpose and direction of that activity.
Cryptoinsightuk contends that critics correctly observe Ripple’s XRP sales but incorrectly conclude that these sales are meant to replace exposure to XRP with exposure to traditional assets. This framing, the analyst suggests, reverses the true cause-and-effect relationship underlying Ripple’s strategy.
People who hate $XRP are so close to being right, so close. But they miss one key step to their equation.
Haters say Ripple sell $XRP so they can buy real-world companies and assets, because that’s how Ripple “makes money”.
In my opinion, that completely misunderstands the…
— Cryptoinsightuk (@Cryptoinsightuk) December 31, 2025
XRP as a Strategic Core Asset
At the center of the argument is the idea that XRP occupies a structurally different role than operating cash. Cryptoinsightuk emphasizes that when a company holds a significant share of an asset with asymmetric long-term potential, that asset is not treated as a routine funding source. Instead, it becomes the strategic core around which the broader business is built.
From this perspective, XRP is not monetised to mitigate risk or diversify away from digital assets. Rather, limited monetisation is used to finance infrastructure and institutional capabilities that increase XRP’s relevance, utility, and long-term value. The analyst stresses that this distinction matters, as it reframes XRP sales as capital deployment rather than dilution.
Infrastructure as a Value Multiplier
Cryptoinsightuk indicates Ripple’s involvement with regulated liquidity venues, institutional trading firms, stablecoin infrastructure, and tokenised treasury systems as evidence of this model in practice. These integrations and acquisitions are presented not as endpoints, but as supporting components designed to make large-scale institutional settlement viable.
The analyst argues that such infrastructure expands liquidity access, improves compliance standards, enhances throughput, and builds trust among financial institutions.
In doing so, these components increase the likelihood that XRP can function efficiently as a neutral settlement asset in real-world financial flows. Also, such a scenario further strengthens the conditions under which XRP becomes necessary rather than optional.
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A Compounding Institutional Model
Cryptoinsightuk outlines a progression in which XRP remains central on the balance sheet while Ripple builds a complete institutional stack around payments, custody, liquidity, and treasury access.
As this stack matures, institutions are drawn to the platform because the required components are already in place. XRP then emerges as the most efficient settlement layer within that environment, leading to sustained transactional demand.
The analyst concludes that this approach prioritises XRP’s long-term value creation. If Ripple’s objective were simply to resemble a traditional financial services firm, Cryptoinsightuk argues, the persistent emphasis on neutral settlement and XRP-centric architecture would be unnecessary.
Instead, the strategy reflects an attempt to make XRP structurally embedded in regulated financial rails, positioning it as increasingly difficult to bypass as adoption scales.
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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