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HomeCryptocurrencyUnpopular Opinion: XRP Won't Moon Because of Cross-Border Payments

Unpopular Opinion: XRP Won’t Moon Because of Cross-Border Payments

Crypto commentator All Things XRP has presented a contrary view on what will drive future price growth for XRP, distancing the asset from the commonly cited use case of cross-border payments.

In a recent tweet, All Things XRP argued that the long-standing narrative around XRP’s utility in remittances and payment corridors is outdated and insufficient to account for any significant price movement.

The core message of the tweet is that cross-border payments alone, even with XRP’s well-documented speed advantages, do not generate the conditions necessary for substantial price appreciation.

Instead, the analyst emphasized hold time as the defining factor that could impact XRP’s long-term value. According to All Things XRP, the adoption of tokenization on the XRP Ledger represents a far more powerful mechanism to drive the asset’s price.

Tokenization, in this context, refers to the process of issuing real-world assets—such as real estate, commodities, and other financial instruments—on a blockchain, with XRP playing a central role in their issuance, exchange, or collateralization.

Tokenization and the Economics of Scarcity

All Things XRP described the fundamental logic behind this argument by referencing the basic principles of supply and demand economics. Tokenized assets on the XRP Ledger are expected to lock up XRP, effectively removing it from active circulation.

This reduction in circulating supply could generate upward price pressure, given that demand remains constant or increases. The tweet frames this not as a speculative forecast but as a logical outcome derived from economic fundamentals.

By reducing the velocity of XRP—how often the asset changes hands—the scenario creates scarcity. All Things XRP pointed out that this is what can drive the price up over time.

In contrast to the rapid settlement of international payments, which involves quick usage and release of XRP, tokenization leads to XRP being held for longer periods. This hold time reduces available supply and introduces a form of scarcity more directly tied to long-term value accrual.

Institutional Interest in Tokenization

The tweet also highlights increasing institutional attention toward the tokenization of real-world assets. All Things XRP mentioned that firms such as PwC are actively discussing tokenization strategies and that traditional financial institutions (TradFi) are positioning themselves to engage with blockchain-based tokenization platforms.

This development aligns with the broader shift in financial infrastructure toward asset digitization, a trend expected to deepen over the next several years.

The analyst concluded that tokenization represents the actual use case that has the potential to elevate XRP’s market value. The remittance use case, such as sending funds from Dubai to Mexico, is no longer seen as the central growth driver for the asset.

According to the tweet, while speed and low-cost transactions are advantages, they are not sufficient catalysts for sustained price growth. Instead, the prolonged locking up of XRP through tokenized instruments offers a more compelling path forward.

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 urged to do in-depth 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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Solomon Odunayo
Solomon Odunayo
Solomon is a trader, crypto enthusiast, and analyst with over seven years of experience in the industry. He strongly believes that crypto assets and the blockchain will continue to gain prominence. At TimesTabloid.com, he focuses on news, articles with deep analysis of blockchain projects, and technical analysis of crypto trading pairs.
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