Experts Tell XRP Holders: "It’s Bigger Than You Think" - Here’s What It Means

The XRP community has once again been drawn into new discussions after All Things XRP (@XRP_investing) shared detailed information showing that Ripple’s ambitions go far beyond what many expect. According to the posts, investors have long believed that Ripple was only competing with SWIFT, but the company has been building something much larger. This update reveals that Ripple is creating a financial system in which XRP will be the fuel for global value transfers. Ripple began its journey in 2012 with a vision to modernize cross-border payments. At that time, financial institutions were using old, slow, and costly payment systems. RippleNet and Ripple introduced a cheaper, faster, and more consistent alternative for global money transfers, but it is seen as the starting point for a larger vision of the corporation. XRP Positioned Beyond Just a Payment Tool According to All Things XRP, XRP is not designed to function as a basic bridge currency. Through On-Demand Liquidity, banks can bypass the need for pre-funded accounts while still processing transactions instantaneously. This advantage has given Ripple the necessary edge to secure its position in the global banking sector.

Many people view the lawsuit by the U.S. Securities and Exchange Commission in 2020 as a potential death blow. However, Ripple has reached out internationally, refined its strategy, and by 2023, the company achieved a partial victory, asserting that XRP is not a security. This move has revived prospects in the U.S. and strengthened the company’s international strategy. Ripple reinvented itself in 2025 by abandoning the payment company brand. This rebranding introduced the Internet of Value and compared Ripple’s role in asset transfer to the role of the Internet in revolutionizing information transmission. This change marks a new direction towards promoting an inclusive financial ecosystem. Tokenization and Deployment of Stablecoin The community update from All Things XRP highlighted Ripple’s deeper involvement in the asset tokenization space. Utilizing XRPL, the company has enabled the tokenization of oil, real estate, and government bonds. This method could bring trillions of dollars to blockchain-based payment systems, allowing fractional ownership and instant transfers. Ripple has also launched RLUSD, a stablecoin backed by USD, currently operating on XRPL and Ethereum. Integrated into decentralized financial applications, RLUSD works alongside Ripple’s partnerships with several central banks in CBDC projects. This reflects a model where Ripple does not disrupt traditional systems but integrates with them. Expand the Global Financial Network Ripple has expanded its services beyond the payment sector. As of now, the company offers custody services, compliance, encryption tools, and stablecoin infrastructure. Analysts believe this is similar to what cloud service providers do to serve businesses in any industry, but in this case, it is global finance. The update has noted the development of RippleNet in Africa, Latin America, and the Middle East, while attracting over $300 million in commitments. More than 100 banks have participated, and XRP has entered the mainstream financial market through futures trading on CME and Coinbase. According to analysts, the likelihood of approving an XRP exchange-traded fund before the end of this year is also very high. What Does This Mean for XRP Holders According to All Things XRP, Ripple is not only striving to replace SWIFT but is also establishing a new parallel financial system. This system is described as being encrypted, programmable, and global, with XRP as the main tool. The above perspective suggests that XRP is becoming an infrastructure, not speculation, but a utility. The development of Ripple shows that the role of XRP goes beyond the scope of payments. According to a post on All Things XRP, this token is positioned to become the core infrastructure for the Internet of Value, meaning that for holders, it can truly be “bigger than you think.”