XRP Value Explained | The REAL Bullish Case Explained! - video Dailymotion

Crypto Robot

XRP is more than just its price — and its true value drivers go far deeper than daily charts. 🚀 While most traders only focus on XRP price predictions, the real upside lies in adoption, partnerships, and the utility Ripple is building within the global payments system.  In this video, we’ll explore XRP’s core value drivers beyond price, including Ripple’s partnerships with banks, cross-border payment solutions, real-world adoption in financial institutions, and the potential impact of regulatory clarity. We’ll also cover how XRP fits into the bigger picture of blockchain utility, DeFi expansion, and Web3 adoption.  Will XRP’s utility, adoption, and partnerships make it one of the most important digital assets of this cycle — regardless of price charts? Stick around for a full breakdown and my insights on why XRP could be a long-term winner.  👉 Do you think XRP’s true value comes from price action or real-world adoption? Comment below with your thoughts!  👉 Subscribe for daily alpha on crypto market trends, bold Bitcoin predictions, and altcoin gems that could 10x your portfolio! – https://www.youtube.com/channel/UCpjN8bNE-CoAgpfMatghM9g  📧 Email: cryptorobothelp@gmail.com  💰 Affiliate Links  Sofi Checking & Savings – Get $25 free ➝ https://www.sofi.com/invite/money?gcp=16a53d0f-b4b2-441d-9100-cfb506305260&isAliasGcp=false  Sofi Investing – Free $25 in stock ➝ https://www.sofi.com/invite/invest?gcp=ab31edd8-701e-4109-9225-51b41e35d246&isAliasGcp=false  Coinbase Exchange – Earn up to $300 BTC ➝ https://coinbase.com/join/YPUQLCY?src=referral-link  Tracking Tools – CoinGecko | CoinMarketCap  Trading Tools – Get $15 off TradingView ➝ https://www.tradingview.com/pricing/?share_your_love=cryptonextsteps  #XRP #CryptoNews #Ripple #Altcoins #CryptoMarket #CryptoInvesting #XRPAdoption #CryptoUpdate #DeFi #Web3 #Blockchain #CryptoBullRun #XRPUtility #CryptoAnalysis #CryptoTraders

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00:00welcome back to the deep dive we're the place you come to when you need complex information

00:09finance tech regulation broken down into the absolute essentials today we're diving deep into

00:15xrp now this is an asset that's uh seen its fair share of drama maybe more than most in the crypto

00:21space a lot of people maybe you included still see it mostly as you know a speculative altcoin price

00:26goes up price goes down lots of noise but we're asking a different question today what if the real

00:31lasting value of xrp isn't about the price chart at all what if it's actually rooted much deeper

00:36in its structural utility like as actual financial plumbing that's exactly the angle we're pushing

00:41past the hype the day-to-day market swings and looking at the mechanics underneath we've dug

00:46into a whole range of sources bank partnerships reports on institutional treasuries legal documents

00:52and we've boiled it down to five key forces these are sort of the pillars holding up xrp's potential

00:58value proposition separating what's fundamental from what's just you know market sentiment and

01:03understanding these five drivers is really vital for you the learner why because it helps you tell

01:09the difference between say temporary speculation and genuine structural value that's key for making

01:14informed decisions here right so we're covering the whole picture global payments big institutions

01:18getting involved the tech itself evolving and maybe most importantly the big legal wins that have

01:24really shaped its path recently and of course we have to start with the standard disclaimer this is

01:29purely an analysis of the information we've gathered it's about context and understanding

01:34under no circumstances is this financial advice or investment advice always always do your own

01:41homework especially with assets like this that face uh ongoing regulatory shifts and pretty stiff

01:47competition okay absolutely clear let's get into the structural argument then and driver number one

01:53seems like the logical starting point cross-border payments remittance efficiency yeah this is really

01:58the foundation the whole initial pitch for xrp was about using it as a bridge currency to fundamentally

02:04change how money moves across borders to really get why that's a big deal you got to look at how banks

02:09used to do it and often still do ah the old nostro vostro system right painful stuff exactly so bank a in one

02:16country wants to send money to bank b in another traditionally bank a had to keep money parked in an

02:21account at bank b in bank b's local currency pre-funded banks have literally billions tied up globally in

02:29these pre-funded accounts just sitting there waiting it's inefficient it's costly capital it carries risk

02:35and it makes settlements slow yeah that capital is just lock dead money basically expensive slow banks

02:41hate it and that's the friction xrp aims to cut through the core idea is using the asset to zap

02:46value across instantly so you don't need that pre-funded capital sitting idle instead of funds being

02:52locked for days the process becomes well almost instant convert fiat to xrp xrp crosses the ledger in

02:58what under five seconds then convert back to fiat at the other end the speed and crucially eliminating

03:03that pre-funding need that's the structural value proposition right there and this isn't just

03:07theory anymore is it the sources show this is actually happening in specific corridors oh yeah

03:11definitely we see a lot of activity in asia pacific sbi remit in japan for instance they're actively

03:16using xrp for transfers to places like the philippines vietnam indonesia these are massive remittance

03:22markets often with tight margins where speed really matters people are waiting for that money and it seems

03:28like that network is growing too tranglo in southeast asia using ripple pipel connecting africa and asia

03:35these aren't small players right triangle is a big payments hub pipel is tackling those really tough

03:40high cost corridors between africa and asia using xrp partly to manage volatility risk too and then

03:47there's the brazil example ripple and banco rendimento using xrp specifically as the settlement

03:52bridge for business payments this isn't about sending 50 home this is institutional flow the sources

03:58suggest potential cost savings there could be huge like 40 to 70 compared to the old ways that's real

04:03money for a bank's bottom line okay let's talk numbers then sub five seconds settlement for xrp and

04:08the fee is tiny like a fraction of a cent basically negligible yeah fraction of a set compare that to swift

04:14days potentially multiple banks taking a cut along the way fees stacking up it's a night and day difference

04:21for certain corridors especially those high friction ones it makes the old system look incredibly clunky

04:26and expensive it can make previously unprofitable routes viable but okay let me push back a bit here

04:32the big elephant in the room for crypto is volatility right why would a risk averse bank use xrp even for

04:38five seconds when they could use something like usdc a stable coin pegged to the dollar doesn't that

04:44five second volatility risk wipe out the benefit that's the million dollar question isn't it and it

04:49gets to how xrp is used in these flows often it's strongest in corridors or maybe usd stablecoin liquidity

04:56isn't as deep or the regulations around stablecoins are still fuzzy and the key is the speed because

05:03the xrp part takes just three to five seconds the exposure to a price swing is minimal almost zero in

05:09practical terms the bank isn't holding xrp for any meaningful time it's purely a pass-through an instant

05:16transmission rail the savings on freeing up that pre-funded capital according to the thesis

05:21massively outweigh that tiny sliver of volatility risk over a few seconds got it so it's like an

05:26instantaneous swap not an investment hold okay that makes sense for the banks but for real

05:30structural value you need more than just b2b right which brings us to driver number two loyalty travel

05:37and getting consumers involved right this is about broadening the base moving xrp from just being this

05:42back-end tool for banks to something people actually you know interact with the idea is to embed it into

05:48things like loyalty points travel rewards making it genuinely useful in everyday life not just

05:52something you trade on an exchange yeah the moment you can buy a coffee or book a flight with it it

05:56feels different more real exactly it potentially brings millions of users into the ecosystem not just

06:02a few hundred banks and the big case study here the one that jumps out from the sources is webus and

06:08we tour i mean they set up a 300 million dollar xrp treasury that's a huge number specifically to

06:15back travel vouchers loyalty programs settle services like airport transfers premium rides

06:21300 million dollars just for that that's a massive bet on using xrp operationally it really is and the

06:27scale of potential users is huge too the sources mentioned something like over 60 million loyalty

06:32members could eventually interact with these xrp backed services think about it instead of points

06:37that expire or are hard to use you get a tokenized voucher maybe it's more liquid easier to trade or

06:43combine it makes the whole loyalty concept potentially much more valuable to the user

06:47and that drives demand for the underlying tech so it's not just about spending but earning too yeah

06:52absolutely back in japan sbi vc trade users can earn xrp through specific loyalty campaigns so you earn

06:59it then maybe you spend it on travel through something like webus it creates this kind of closed loop

07:04driving activity i remember hearing about the xrp tip bought ages ago in the netherlands it's gone

07:09now but it showed micro payments were possible right there that was an early glinks yeah showed

07:14the tech could handle tiny instant payments because the fees are so low you couldn't do that with

07:19traditional banking that basic capability is what makes these big loyalty schemes technically feasible

07:24today okay so for you the learner why does a travel voucher matter because if millions of people

07:30are using xrp linked services via webus that creates real non-speculative demand webus needs the

07:37infrastructure to work that potentially puts a floor under things right more stability than just

07:42trading whims precisely it ties retail demand to institutional need those managing loyalty programs

07:48need xrp or related tokens to function which leads us straight into the next pillar the institutions

07:54themselves right driver number three institutional adoption and treasury use this is where the big money

08:01and arguably the big credibility comes in when major financial players start using xrp not just for

08:07trading but operationally yeah this is huge for validation if a regulated institution decides to hold xrp on

08:13its balance sheet use it for liquidity for settlement as a reserve that's different that's treating it like

08:20long-term infrastructure it creates what you might call sticky demand demand that isn't just going to vanish

08:25overnight based on market sentiment and the prime example here has to be sbi holdings in japan right

08:31their involvement seems way beyond just experimenting oh absolutely sbi strategy is deeply integrated they

08:37view xrp as core plumbing they hold a very large xrp reserve and they use it across their businesses sbi

08:42remit for payments sbi vc trade for the consumer exchange side and the scale mentioned in the sources

08:48is well it's staggering around 1.6 trillion yen worth of xrp and related crypto assets reported on their books at

08:54one point 1.6 trillion yen how does that compare i mean what does that number signify structurally

09:00well according to the reports at certain times the value of those crypto holdings actually exceeded the

09:05entire market capitalization of sbi holdings itself think about that a major publicly listed

09:12financial group holding so much of an external digital asset that it outweighs their own company

09:17value it's unprecedented institutional conviction it's basically saying this is part of our fundamental

09:23capital structure now it's not just diversification it's infrastructure that sends a massive signal

09:28doesn't it to other banks to regulators globally like we believe this is stable enough compliant

09:34enough crucial enough to better business on exactly and while sbi is the deepest dive others have been

09:40testing the waters santander in europe rain pilots using xrp for settlement with their one pay fx

09:46and there have been persistent reports about major players like bank of america doing exploratory work

09:50with ripple and xrp looking into settlement efficiencies just dedicating r d time from

09:55institutions like that validates the potential cost savings we talked about earlier and even the

09:59weebus example ties back here right that 300 million dollar treasury isn't managed by some random person

10:05it's an institutional fund ensuring the whole consumer loyalty system works yes it all layers together

10:11institutional capital managing the systems that deliver retail utility so the takeaway for you is

10:17when serious institutions start treating this like essential long-term plumbing not just a speculative

10:23chip it fundamentally changes the narrative it starts to look more like infrastructure less like just

10:28another altcoin okay but all this utility institutional buy-in it needs a solid foundation which brings us to

10:35driver number four the technology itself the xrp ledger the xrpl if the tech can't scale or isn't reliable

10:43none of the rest matter absolutely fundamental the tech has to work has to be robust and the xrpl was

10:47built from the ground up specifically for payments and financial transactions not like say general smart

10:52contracts initially we've mentioned the speed three to five seconds and the super low cost which is

10:56crucial for those micro payments in loyalty or remittances speed's good low cost is good but lots of

11:02blockchains are fast now what gives institutions like sbi the confidence in this specific tech a lot of it

11:10comes down to the consensus mechanism yeah it doesn't use proof of work like bitcoin which is energy

11:15intensive it uses a consensus protocol involving a list of known trusted validators the unique node list

11:21or unl there are over 150 of these independent validators their identities are generally known

11:27their reliability is key this model allows for very fast confirmation high throughput and much lower

11:33energy use while still being decentralized enough and crucially auditable in a way enterprises need

11:39so it's sort of a more controlled decentralization geared for speed and reliability needed by finance

11:45without bitcoin's energy footprint or maybe some of the congestion seen on other chains that's a good

11:49way to put it that's the core technical pitch but importantly the ledger isn't static it's evolving

11:55and that's vital to stay competitive right the upgrades you mentioned programmability let's get

11:59specific xls20 xls7080 what do these actually do for businesses okay xls20 is a big one it brought native

12:06nft support right onto the xrpl now why does that matter for say weevus their loyalty points their

12:13travel vouchers they can now be issued as unique non-fungible tokens directly on the ledger this

12:18means they have unique ids you can program rules into them like expiry dates and they're way more

12:23transparent and potentially transferable than just numbers in a database ah so it turns that loyalty voucher

12:30from just an entry in their system into an actual digital object on the blockchain potentially more

12:35flexible maybe even tradable exactly it opens up possibilities then you have things like xls70 and

12:40xls80 these are really aimed at the regulated players the banks maybe even governments they

12:46introduce features for digital credentials and what's called permissioned domain control basically

12:52allows an institution to issue assets but still control who can hold them or transact with them

12:56maybe based on kyc status or other rules okay so that sounds like building the tools needed for

13:01compliance if a bank wants to issue something on the ledger but needs to control who uses it

13:05these amendments help them do that precisely they're building the on-ramps for regulated finance

13:11trying to blend the efficiency of blockchain with the controls that institutions absolutely require

13:17so beyond just payments the xrpl is aiming to support tokenized assets maybe pilots for cbdc's other

13:23financial instruments the tech roadmap is clearly pointed towards enabling compliant high-speed

13:29finance which is the perfect segue to our fifth and you could argue the most critical driver recently

13:36regulatory clarity and the network effects that follow because the best tech in the world doesn't

13:41mean much if regulators block it at the door couldn't agree more this is the great enabler for years the

13:46big cloud hanging over xrp especially in the us was the sec lawsuit that legal uncertainty was arguably the

13:52single biggest break on wider institutional adoption globally all that potential structural value we've

13:58talked about it was basically locked up until the legal risk started to clear okay let's spend a moment

14:03on the mechanics of that legal ruling because it's crucial july 2023 judge and elisa torres just saying

14:09xrp is not security isn't the full picture right what was the specific legal finding right the nuance is

14:15key judge torres applied the howey test the standard us test for what constitutes an investment contract

14:21to security and she didn't rule on xrp the asset in isolation she looked at the sales she made a

14:26critical distinction one direct sales from ripple to institutions she found these often met the howey

14:33test because the buyers expected profit based on ripple's efforts so those specific sales were

14:38deemed unregistered securities offerings but two sales on public exchanges to retail buyers here she ruled

14:45differently the anonymous buyer on an exchange didn't have that same direct relationship or expectation

14:50based on ripple's specific actions so those sales did not meet the howey test wow okay so the same

14:56token could be part of a securities transaction in one context direct institutional sale but not a

15:02security when traded between anonymous users on an exchange that's the distinction that led exchanges

15:07like coinbase relist it right exactly it de-risked the secondary market trading for exchanges and retail

15:12users in the u.s it was a landmark ruling because it offered a potential framework for how other digital

15:18assets might be viewed focusing on the context of the sale not just the asset itself and then the final

15:23chapter legally speaking came later the sources mentioned august 2025 sec dropping appeals ripple

15:31paying a penalty yes that brought finality the sec decided not to pursue appeals on the core ruling about

15:37secondary market sales and ripple settled the institutional sales part with 125 million dollar penalty

15:44that removed the last big question mark for global institutions especially any u.s based ones considering

15:49using xrp that finality was critical it meant the risk of the whole thing being shut down by u.s

15:53regulators largely evaporated legal certainty unlocks institutional capital and did we see a tangible

15:59effect did the network actually grow after that clarity the numbers suggest so by 2025 reports mentioned over

16:066.6 million active xrp wallets globally over 6 million accounts created on the ledger itself and look at a

16:13market like japan where sbi was already deeply involved and regulation was clearer sbi's crypto exchanges sbi

16:20vc trade and bit point japan saw their user accounts basically double in a year from around 800 000 in

16:27march 2024 to nearly 1.65 million by march 2025 that's a huge jump likely fueled by that reduced regulatory risk

16:35and sbi's own push so it's a loop regulatory clarity boosts institutional confidence institutions drive

16:41adoption adoption adoption grows the network a bigger network makes the utility stronger exactly it becomes

16:46a self-reinforcing cycle more users more liquidity makes the cross-border payments work better attracts

16:51more partners it makes it harder for competitors to displace xrp in the niches it's already established like

16:57those specific remittance corridors okay we've laid out a pretty strong case based on these five drivers but let's

17:02bring it back to the listener what does all the structural stuff actually mean for you tracking this market how do you

17:07translate this into something useful well for someone looking longer term the idea is that these drivers

17:12the regulation the institutions the real utility potentially provide a kind of structural support

17:18for the asset it suggests that maybe over time as usage grows the wild volatility we associate with pure

17:25speculation might lessen somewhat and that regulatory clarity especially could open the taps for more

17:31traditional finance money trad fi capital to flow in as they need that legal certainty and for shorter

17:37term traders does this analysis change anything it suggests maybe shifting focus instead of just

17:42watching bitcoin's price or general market sentiment you'd pay closer attention to news specifically

17:47related to these five drivers like a major new bank partnership gets announced a big brand actually

17:53launches an xrp loyalty program using xls20 a positive regulatory development in europe these kinds of

17:59events might make xrp move independently of the broader altcoin market because they directly impact

18:04its own unique ecosystem and utility story okay makes sense but we have to be realistic xrp isn't

18:10operating in a vacuum the competition is fierce right oh absolutely fierce you've got two massive forces

18:15mainly first stable coins things like usdc usdt they already handle enormous volumes on chain they're

18:21integrated everywhere and crucially they solve the volatility problem by being pegged to fiat right that's a

18:26direct challenge to xrp's bridge currency role second you have central bank digital currencies

18:31cbdc's on the horizon backed by governments fully regulated they carry immense trust so how does xrp

18:38possibly compete stable coins offer stability cbdc's offer state backing where's xrp's edge it seems to

18:44be focusing on niches where its specific strengths shine primarily decentralized liquidity especially for

18:50non-usd currency pairs where stable coin options might be fewer or less liquid and it's raw speed

18:56and low cost stable coins are still very dollar heavy and their regulation isn't uniform globally cbdc's

19:02will likely be quite centralized maybe slower for certain cross-border hops due to compliance hurdles

19:07so xrp tries to be that super fast super cheap neutral bridge asset that's already got regulatory

19:13clarity in key markets it fills a gap potentially between fiat stable coins and maybe even cbdc's

19:20themselves acting as the instant settlement layer between them so the strategy isn't necessarily to

19:25replace everything but to find its place within the evolving financial system coexistence i think

19:30that's the more realistic path focus on those high volume remittances the loyalty integration the

19:34instant settlement needs where three to five seconds and near zero fees are killer features if it becomes

19:40the go-to plumbing for those specific tasks it doesn't need to be everything to everyone okay now for

19:45the reality check let's talk risks what could derail this whole structural narrative number one is

19:50probably adoption lag we hear about big partnerships pilots but our people our businesses actually

19:57using it at scale day in day out there's a risk that the real world transaction volume just doesn't

20:03materialize fast enough to support the valuation or the narrative hype versus actual boring daily usage

20:11and regulation a u.s picture is clear but it's a big world exactly global regulatory fragmentation just

20:18because the u.s ruled one way doesn't mean that eu or major asian hubs will follow suit a ban or

20:23different classification in a key market could seriously shrink its potential regulatory risk

20:28hasn't vanished it's just shifted geographically what about the mechanics of the payments themselves

20:33liquidity constraints for that cross-border payment dream to work seamlessly you need easy instant

20:38conversion from fiat to xrp and back again in both countries if the on-ramps or off-ramps are weak or if

20:43local exchanges don't have enough xrp liquidity the whole process slows down friction creeps back in

20:49and the advantage disappears and finally even with the settlement there's always that lingering doubt

20:54isn't there the what if yeah the tail risk of reversal the 2025 settlement happened under existing laws

21:00future legislation in the u.s or elsewhere could change the game entirely new laws political shifts

21:06they could bring back that uncertainty and if adoption just flatlines despite the legal win

21:12the market might eventually conclude the core business case wasn't strong enough after all

21:16okay so if you the learner buy into this structural thesis or at least want to track it seriously

21:22you need more than just headlines you need data what specific metrics should people be watching right

21:26let's get practical first basic network usage track daily transactions on the xrpl the count the value

21:32moving across watch the average fees and critically look at the growth in new accounts and active

21:38addresses is the user base actually expanding consistently flat growth is a red flag and for

21:43the core remittance use case you need to find evidence of real world corridor volume look for reports

21:50data even company statements talking about the value being moved via xrp between specific countries

21:56like that japan philippines example are the volumes growing are more partners actively

22:02sending transactions not just signed up that validates the on-demand liquidity model what

22:07about the consumer side the loyalty programs look for loyalty integration metrics are new major

22:12brands coming on board beyond webus and more importantly are users actually redeeming these

22:17xrp backed points or vouchers we need to see usage data redemption volumes not just signups

22:22utility means use and for the big players keep an eye out for institutional treasury announcements

22:28are other large non-crypto companies besides sbi publicly stating they're holding xrp for operational

22:33reasons as a reserve look for mentions in official filings earnings reports that's hard verifiable

22:39commitment and the tech upgrades we discussed track protocol development activation and usage

22:44when those amendments like xls20 go live that's step one step two is seeing who actually uses them

22:50are nfts being minted are loyalty programs being built on it are banks using the new enterprise features if the

22:56tools are there but gather dust the tech innovation isn't translating into value and always keep

23:01content always comparative on-chain analysis constantly check xrp's transaction volume its liquidity

23:08against the big stable coins like usdc and usdt is it holding its own in relevant areas or is it

23:15just a drop in the ocean compared to them that tells you about its real competitive standing right so

23:20if you hear about a huge partnership but then you check the on-chain data and transaction volume barely

23:25budges yeah that's your signal that maybe the impact isn't immediate or it's still just a plan

23:30exactly follow the flow okay this has been a really thorough breakdown we've seen that xrp's value

23:35argument really rests on these five structural pillars the cross-border efficiency the push into

23:40consumer loyalty getting institutions to use it operationally the underlying tech evolving and that

23:46huge factor of regulatory clarity yeah that august 2025 settlement was undeniably a turning point

23:53it shifted the narrative from legal limbo to potential execution these five drivers are

23:59essentially the pathway for xrp to try and become genuine financial infrastructure but and it's a big

24:04but success depends entirely on seeing those metrics move the execution has to match the potential so

24:10for you listening the advice seems clear if you're looking at xrp maybe you view it less like a quick

24:16crypto trade and more like a long-term structural bet its success hinges on real-world adoption on

24:21compliance not just market hype look beyond the price ticker try to find the actual transaction

24:26data the usage stats that's where the real story the structural evidence or lack thereof will be

24:30all right let's leave you with a final thought to chew on we've dissected these five drivers

24:34cross-border payments loyalty and consumer use institutional adoption tech features and regulatory

24:40clarity considering everything we've discussed which one of those factors do you think will be the

24:45absolute most critical the most decisive in shaping where xrp goes over the next year or two

24:51is it the tech finally proving its efficiency or was the regulatory win the main event just unlocking

24:57inevitable institutional money something for you to consider thanks for joining us for this deep dive

25:01we'll catch you next time

25:21you

25:31you

25:33you

25:35you

25:37you

XRP Value Explained | The REAL Bullish Case Explained!

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