XRP Signals Buy Opportunity Despite Negative Funding

What to Know:

• A wealth expert argues XRP’s utility exceeds price speculation, suggesting those betting against it may regret it.
• The commentary arrives amidst debates about XRP’s role in cross-border settlements versus speculative trading.
• The focus on utility highlights potential institutional interest in assets solving real-world problems.

As XRP navigates the complexities of the digital asset market, a wealth expert has weighed in on its true value proposition. The debate centers on whether XRP’s primary function lies in speculative trading or in its utility for cross-border settlements. This distinction carries significant weight for institutional investors evaluating long-term potential in the crypto space.

XRP’s Purpose Extends Beyond Speculation

Jake Claver, CEO of Digital Ascension Group (DAG), recently stated that XRP was deliberately engineered with a specific purpose beyond price speculation. While many cryptocurrencies have pursued scarcity narratives akin to Bitcoin’s digital gold, XRP has focused on addressing tangible, real-world problems. This perspective suggests a fundamental difference in design and intent that could influence long-term performance.

Historical Trends Favor Utility

Claver also pointed to historical market trends, suggesting that utility ultimately outperforms hype over the long term. From this viewpoint, dismissing XRP as just another token overlooks the intentional choices that underpin its architecture. Consequently, those who underestimate XRP’s uniqueness may be caught off guard, particularly as function and purpose begin to outweigh speculation. This echoes a broader sentiment that assets with intrinsic value and practical applications tend to exhibit more sustainable growth.

Community Reinforces Utility Narrative

Several members of the XRP community have supported Claver’s commentary. They argue that assets with real-world applications tend to outperform speculation-driven tokens over time. Despite acknowledging that mass adoption is still underway, they emphasize that progress continues steadily. This sentiment aligns with the growing interest from institutional investors in digital assets that offer clear utility and solve existing inefficiencies.

Utility has always been the difference. Still a way to go but we are getting closer every day.

— Mr Market (@dogreadsnews) January 11, 2026

XRP Targets Real-World Payment Inefficiencies

XRP was designed to reduce inefficiencies in traditional payment systems by enabling fast, low-cost, and scalable value transfers, particularly for cross-border transactions. Its architecture prioritizes rapid settlement, liquidity efficiency, and interoperability with existing financial infrastructure. Ripple has driven XRP’s adoption for cross-border payments, with several financial institutions already using the token for settlements. This problem-solving capability signals that broader adoption is only a matter of time and could support long-term price appreciation.

Skepticism and Counterarguments

Despite the focus on utility, skeptics remain unconvinced. Some argue that Ripple, not XRP holders, benefits most from the ecosystem. There are also claims that the company could eventually replace XRP with its stablecoin, RLUSD. However, Ripple executives have repeatedly rejected this view, with CEO Brad Garlinghouse reaffirming that XRP remains central to Ripple’s long-term strategy. This ongoing debate underscores the need for investors to carefully assess the dynamics between Ripple and XRP.

The discussion around XRP highlights a critical theme in the digital asset space: the importance of utility. While speculative trading can drive short-term price movements, long-term value is often tied to real-world applications and problem-solving capabilities. As institutional interest in digital assets grows, the focus on utility is likely to intensify, potentially reshaping market dynamics and investment strategies.

Related: Bitcoin Stuck: Inflation Data Signals High Risk

Source: Original article