XRP 3-Digit Hype Is Misleading, Here’s What the Future Really Looks Like

Jakarta, Pintu News – The narrative about the potential for Ripple (XRP) prices to break into triple digits is buzzing again in the global crypto and cryptocurrency community. However, financial market experts believe that excessive focus on price speculation is misleading the public.

Black Swan Capitalist founder Versan Aljarrah calls XRP one of the most misunderstood financial instruments today. According to him, the short-term price debate has obscured XRP’s fundamental function in the global financial system.

Price Hype Undermines XRP’s Narrative

Versan Aljarrah strongly criticized the culture of speculation that has developed in the XRP community. He believes that discussions dominated by extreme price targets and rumor-based predictions only create noise. This condition, according to him, weakens the long-term credibility of XRP in the eyes of serious financial players. The erroneous focus makes many parties fail to understand the main purpose of the asset.

Aljarrah emphasized that the future value of XRP is not determined by momentary price spikes. He mentioned that XRP is not designed as a speculative asset like most other cryptos. Its role is much larger and structural in the financial system.

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XRP functions beyond speculative crypto assets

According to Aljarrah, XRP was created to operate above the debt-based financial system that has dominated the global economy. XRP is designed as a neutral settlement layer for cross-border and inter-institutional transactions.

In this context, XRP serves as an obligation settlement tool, rather than simply a trading instrument. This role differentiates it from other cryptocurrencies that are more dependent on market sentiment.

Currently, XRP is still moving in sync with the crypto market in general, including following the movement of Bitcoin (BTC). Aljarrah explained that this is because the crypto market is still tied to the liquidity cycle and the traditional treasury system. These linkages mean that XRP has not fully reflected its utility value. However, he believes that this condition will not last forever.

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Decoupling, Regulation, and the Future of XRP

Aljarrah said that major changes will occur when XRP is decoupled from the speculative trading patterns of the crypto market. This decoupling process is considered important so that price volatility can be reduced. When that happens, the price of XRP will better reflect its usefulness in the real financial system. Higher values are needed to support large-scale global financial flows.

He also highlighted the importance of regulatory clarity as a key catalyst for change. Clear rules have the potential to shift capital from speculation towards compliant digital assets that have real use cases. In this context, XRP is considered to be in a strategic position. Aljarrah even reminded that in the early days, XRP was positioned as a candidate for global reserve assets.

Old statements from Ripple and the views of its CTO, David Schwartz, who once compared XRP to digital gold were highlighted. This narrative shows that XRP’s vision from the beginning was not instant profit. XRP was projected as a long-term financial infrastructure in an increasingly digitized system. Asset tokenization and global fund flows are the main context for its future role.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Cointelegraph. Why Three-Digit XRP Price Hype Misses the Bigger Picture. Accessed February 1, 2026.
• Featured Image: Crypto Nieuws