Crypto researcher SMQKE has drawn attention to a newly surfaced insight from a Zumo report, identifying Ripple’s XRP token as a highly suitable candidate for wholesale applications within single-currency domestic zones.
The assessment appears in Zumo’s publication, titled “Digital assets 2023: identifying the opportunities across the enterprise landscape.” It refers to the specific benefits of distributed ledger technology (DLT) in business-to-business (B2B) digital asset payments.
Ripple’s XRP token—> “attractive for WHOLESALE applications in domestic/single-currency-zone contexts, where blockchain/DLT-derived advantages (cost/ speed/programmability/automated reconciliation) can potentially be realised without the awkwardness of the digital asset <> fiat… https://t.co/DDvBlO58Cb pic.twitter.com/PDa15AYV1N
— SMQKE (@SMQKEDQG) May 28, 2025
Enterprise Friction in Crypto-to-Fiat Conversion
The report makes the case that the inefficiencies and friction associated with converting cryptoassets into local fiat currencies remain a core challenge in early-stage enterprise adoption.
The analysis specifically notes that many crypto-based payments currently require off-ramps back into fiat to complete transactions or satisfy regulatory, tax, and accounting requirements. This hinders their seamless integration into operational payment flows.
Ripple and XRP Positioned for Domestic Optimization
Zumo highlights several blockchain projects that aim to address these cost and conversion issues. Ripple is mentioned directly alongside Stellar in the context of working to reduce these frictions, with the report calling out XRP and its intermediary token role as part of this effort.
In a key section, the authors write that the XRP token is “attractive for wholesale applications in domestic/single-currency-zone contexts, where blockchain/DLT-derived advantages (cost/speed/programmability/automated reconciliation) can potentially be realised without the awkwardness of the digital asset <> fiat bridge.”
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This analysis suggests that XRP’s architecture and integration features make it particularly well-suited for domestic wholesale environments, where the need to convert between different fiat currencies is removed. Institutions can more directly benefit from blockchain’s technical efficiencies.
Gradual Adoption Within Enterprise Financial Infrastructure
The commentary aligns with Ripple’s long-standing positioning of XRP as a liquidity and settlement token for financial institutions and enterprises. By eliminating the need for complex cross-border fiat bridges in domestic contexts, XRP may offer banks and corporations a viable path to DLT integration without requiring full-scale disruption of existing fiat systems.
This has implications for how enterprise-grade blockchain infrastructure may be deployed in the near term, focusing first on domestic efficiencies before scaling into more complex, cross-border models.
CBDC Complexity Reinforces XRP’s Immediate Use Case
The Zumo report also includes a statement from HSBC Managing Director Mark Williamson, reinforcing the broader challenges surrounding Central Bank Digital Currencies (CBDCs) and digital assets in cross-border use.
Williamson emphasizes the need to solve what he calls the “CBDC Rubik’s cube,” encompassing wholesale and retail models, token- and account-based systems, as well as primary and secondary market integration. The inclusion of such commentary further contextualizes the digital asset landscape, within which XRP is positioned as a practical tool for enterprise-level financial applications.
SMQKE’s tweet underscores growing institutional acknowledgment of XRP’s potential in practical, regulated settings. The recognition of XRP’s advantages—specifically cost reduction, speed, and programmability—adds to the token’s evolving narrative as a purpose-built settlement mechanism within tokenized finance frameworks.
As enterprises continue to evaluate and adopt blockchain solutions, XRP’s utility in streamlined, domestic payment environments may become increasingly relevant.
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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