[Market Analysis] "The next 5 years will be bigger than the past 50 years." Writer Wen Changxun previews a "paradigm shift in finance" centered around XRP.

The next five years will be a period of paradigm shift greater than all the changes in the financial industry over the past 50 years.

On February 7, 2026, at the “10th Time Leverage Conference” held at the COEX Auditorium in Seoul, writer Wen Changxun delivered a special speech that went beyond mere investment advice, filled with profound insights predicting the reorganization of the global financial order. The event was participated in as a media partner by the virtual asset-focused media TokenPost, vividly conveying the lively atmosphere on site.

Focus on the essence rather than price fluctuations. “Create a compound interest channel that makes time work for me.”

The speaker, Wen, first emphasized that investors must free themselves from short-term price volatility and media noise. He analyzed that, with the legal dispute involving Ripple coming to an end, and the increasing cooperation between the U.S. Securities and Exchange Commission and the Commodity Futures Trading Commission, the gears aimed at achieving legal clarity have officially begun to turn. Wen cited Fidelity’s strategic report to stress that only strategies spanning 5-10 years with continuous accumulation of assets—rather than short-term trading based on the so-called “buy four, sell four” approach—are the only way to build a compound interest channel that makes time work for me. He also listed objective indicators such as Norway’s sovereign wealth fund and Harvard University holding over $500 million in Bitcoin spot ETFs, urging attention to the long-term trends of institutional investors.

Wen Changxun is explaining the changes in the virtual asset regulatory environment brought about by cooperation between the SEC and CFTC. (Photo = TokenPost)

DTCC·Visa·Bank of America Confirmed Virtual Internet.XRP, Selected as the Backend System for Next-Generation Finance

During the speech, the most immersive part for the audience was the visual analysis of the integration of traditional financial infrastructure with blockchain technology. By analyzing the patents and working documents of Securrency, a settlement company acquired by the world’s largest securities clearing organization DTCC, Wen demonstrated that the landscape of stock tokenization and cross-border settlement is undergoing fundamental change. He specifically pointed out that in Securrency’s infrastructure, Ripple (XRP) and Stellar Lumens are explicitly listed as core assets to solve cross-border settlement and liquidity issues, and predicted that these non-sovereign assets will become the backend system of the next generation of finance. Additionally, he mentioned that U.S. banks hold patents centered on Ripple’s ledger and have recently purchased XRP futures ETFs, with on-chain movements indicating the activity of “whales.”

Wen Changxun is explaining the future financial infrastructure blueprint of integrating traditional financial institutions with blockchain technology through Securrency. (Photo = TokenPost)

Stablecoin RLUSD Bankruptcy Isolation Structure. Achieved the Highest Rating Acceptable to Banks

Next, Wen conducted an in-depth analysis of Ripple’s USD stablecoin RLUSD’s stability structure. He emphasized that RLUSD is issued by a standard custodian approved by the New York State Department of Financial Services, with reserves held at the Bank of New York Mellon, the oldest bank in the United States, fully establishing a “bankruptcy isolation structure.” RLUSD received the highest A rating from credit rating agency Blue Chip, being recognized as a regulatory-compliant and bank-acceptable position. Based on reports from the Bank for International Settlements, IMF, and World Bank, which cite XRP as an efficient alternative for real-time full settlement systems, Wen recommended setting a long-term time horizon toward 2030 for financial inclusion.

A long-term race toward the 2030 era of financial inclusion. “It’s time to cultivate wealth containers.”

At the end of his speech, Wen explained that the “X” before XRP indicates that it is a non-sovereign asset not belonging to any country. He suggested that during the construction of new financial platforms, before XRP plays its fundamental role as a bridging currency, everyone should focus on cultivating their own wealth containers. After the speech, Wen immediately thanked Ashish Birla, CEO of Evernode, who was present on site, and conveyed confidence that the Ripple ecosystem will combine with the new financial standard ISO 2022 to become the information backbone of the new system. The conference confirmed the huge trend of integration between virtual assets and traditional finance, leaving anticipation for the new financial paradigm set to unfold in the second half of 2026, and concluded successfully.