Sep 14, 2026 4:46 PM
XRP’s speed is its own worst enemy. Because it settles so quickly, it’s reused too efficiently to drive price through payment volume alone. The only way XRP hits extreme targets is if it stops being a payment coin and starts acting like a U.S. Treasury, serving as sticky collateral for institutional loans and derivatives. Without this structural shift, the aggressive bull case simply doesn't hold up. Can XRP actually function as the world’s new collateral, or is this a pipe dream?
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