Speculation is growing in parts of the crypto community that the price of Ripple’s XRP token may be moving more slowly than its supporters expect, despite what they see as increasing links to global financial infrastructure.
The idea gained fresh perspective after comments from Jesse, who suggested that XRP’s role in future settlement systems could be “hidden in plain sight” while institutions prepare behind the scenes.
Quiet Links to Financial Market Plumbing
Analysts point to connections between Ripple-linked firms and major market infrastructure providers such as the Depository Trust & Clearing Corporation (DTCC), which handles trillions of dollars in securities settlements.
They said that after Ripple-related acquisitions, firms connected to the ecosystem have appeared in DTCC participant lists. In addition, older technical diagrams and patents circulating online have referenced XRP and XLM as potential liquidity tools, though no official confirmation has been made by DTCC.
“They Don’t Want the Price to Run Too Early”
Jesse from Apex Crypto Insights said one possible explanation is timing. According to him, if XRP were openly positioned as a global settlement or liquidity layer too early, the price could surge before banks, regulators, and fintech firms are fully ready.
“If everyone suddenly believed this was the global solution, you’d get institutions, companies, and retail rushing in at once,” he said, adding that this could complicate efforts to line up partnerships, incentives, and regulation.
BIS Projects and Changing Terminology
Much of the discussion also focuses on the Bank for International Settlements (BIS) and its many pilot projects exploring cross-border payments and wholesale central bank digital currencies.
These projects often use broad terms like “unified ledger,” “shared ledger,” or “regulated liability network,” rather than naming specific blockchains. XRP supporters argue the descriptions closely resemble the architecture of the XRP Ledger, even if XRP itself is never mentioned.
What Atomic Settlement Actually Means
Jesse also pushed back on common misunderstandings around “atomic settlement.” He explained that it does not mean partial transfers or automatic conversions between assets. Instead, a transaction either settles fully or does not happen at all, reducing risk.
In markets where currencies lack direct liquidity, advocates believe a neutral bridge asset could eventually be needed, which is why XRP is often mentioned in these discussions.
Speculation, Not Confirmation
There is still no official statement from Ripple, the BIS, or major financial institutions confirming XRP as a core settlement asset. For now, these ideas remain speculative.
However, the debate shows why some XRP holders believe the technology is being quietly positioned for future use, while its price remains relatively contained as regulators and institutions work toward clearer rules.
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