After rolling in the crypto market for so many years, I have noticed a phenomenon worth pondering — most XRP holders are always focused on the price, while neglecting the more core issue of asset security.

Recently, I saw traditional financial giants like Citadel and Fortress investing heavily in a leading cross-chain platform. The average person's first reaction is usually "Good news is here, it's going to rise." But if you really understand the logic behind this, you will realize that things are not that simple.

**Transforming for three years, data speaks**

The changes of a leading cross-chain platform over the past three years are indeed worth observing. The latest financial data shows that the proportion of compliant business revenue has exceeded 90%—what does this mean? It means that it no longer relies on selling XRP to survive.

Last year, the company's XRP sales decreased by 87% compared to the previous year, with the remaining coins being held as strategic reserves. At the same time, a strategic financing of $500 million was secured in 2025, pushing the valuation to the level of $40 billion. The recognition from traditional finance is no small matter, as it signifies that the entire encryption infrastructure is being absorbed by the mainstream financial system.

**But growth does not equal security**

The more successful the company becomes, the more certain risks are magnified. As the compliance process advances, regulatory requirements are also being upgraded. This means that tracking of user data and transaction records will be stricter. The privacy space of ordinary XRP holders is relatively being compressed.

The entry of institutions has indeed boosted market confidence, but for retail investors, the question to consider is — is your holding really secure? Wallet management, private key storage, and exchange risks are fundamental tasks that deserve more attention than chasing price fluctuations.

This is the truth I want to say.