Every once in a while, a claim surfaces that forces people to stop and rethink what they thought they understood. This week, one such claim came from a long-time macro observer who believes XRP was never meant to behave like an ordinary crypto asset.
According to Dr. Jim Willie, XRP is not racing against banks. It is quietly being positioned to do the job banks have always done in the background: moving money between large institutions without friction.
Not a Coin, but a Tool
The analyst used an old-world comparison that stuck. He asked people to imagine the early days of email. Back then, email felt small, experimental, even unnecessary. No one thought about who owned the systems making it work. But once email became essential, the value shifted to the infrastructure that supported it.
He says XRP sits in that same place today. Not flashy. Not consumer-facing. Just a working part that everything else depends on.
If Ripple becomes the trusted compliance layer for institutions, XRP naturally becomes the settlement piece underneath. In that role, price is not about excitement or hype. It is about functionality.
A Price Chosen for a Purpose
Here is where the argument turns heads. The expert does not think XRP’s future price will be discovered on exchanges through normal buying and selling. He believes it was quietly agreed upon long ago by major financial players who needed a bridge asset that could handle massive global transfers.
In his view, the number had to be high. Not for speculation, but because a low price would not work at global scale.
He said, “I’ve got a really good argument to make that we’re not going to see an XRP price based on an equilibrium of supply and demand at Coinbase. We’re going to see a predetermined price that is so high that it’s going to blow your hair off.”
“It’s so high that it was agreed upon by a group of powerful people and corporations at a level that would function as the global standard in transfer payments as a bridge asset,” he added.
Why Timing Matters Now
Around the world, financial pressure is building. Banks are cautious. Capital is tied up. Settlement delays cost real money. The analyst argues that systems like XRP exist for moments exactly like this.
If financial plumbing needs an upgrade, the parts that already fit the system may not be priced like experiments for long.
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