Recently observing market phenomena, an interesting point is—many people are chasing short-term fluctuations of new coins, discussing the ups and downs of mainstream coins endlessly, yet few are systematically analyzing the deeper reasons why XRP might break through higher prices. This sounds a bit absurd, but from a different perspective using data and financial logic, it actually reveals a seriously underestimated opportunity.

To be honest, the short-term mindset issues in the current circle do exist. Most people are used to chasing hot topics and riding the trend, lacking patience for assets driven by long-term value. But from the market evolution over the past eight years, the truly transformative targets are not built on emotion but supported by their fundamental value. XRP is a typical example—it’s core positioning is not as a speculative tool for retail investors, but as the settlement infrastructure for the global financial system. This positioning determines its price ceiling.

So here’s the question: why does the global financial system need a token like XRP for settlement? The answer lies in scale matching.

Just look at the data. The daily scale of global cross-border settlements is in the trillions of dollars, while the total assets accumulated in the entire financial system are in the hundreds of trillions. Comparing this scale, XRP’s total supply is fixed at 1 billion coins—this supply constraint is rigid. Some may ask: isn’t settlement based on quotas, so why must it be the token’s value? Then we need to re-understand the essence of financial settlement. For a token to meet the settlement needs of the global banking system, its value must have a positive correlation with the scale of that system. Scarcity + functionality—these two points determine that its price ceiling is fundamentally not at the current price level.