Pundit: I Remember When They Said XRP Was Going to Zero

There was a period when XRP faced constant dismissal with claims of irrelevance circulating widely. Yet the developments highlighted by X Finance Bull (@Xfinancebull) point to a very different reality.

The Messari State of XRP Ledger Q4 2025 report provides the data to support that view. Progress did not arrive suddenly, but accumulated quietly through infrastructure, regulation, and capital.

While detractors have said for years that XRP will fall to $0, X Finance Bull challenged this narrative. He stated, “Going to zero was never the thesis for people who understood what was being built.” That perspective aligns with what the data now shows. XRP and the XRP Ledger spent years preparing for institutional scale. Q4 2025 marked the point where those efforts became measurable.

ETFs Signal Structural Demand

One of the clearest signals came from the U.S. market. Spot XRP ETFs launched in November 2025. Within four weeks, they surpassed $1 billion in assets under management.

Messari’s report confirms this was the fastest ETF ramp since Ethereum. This growth did not rely only on speculation. It reflected pent-up demand from investors previously blocked by custody and compliance limits.

By late January 2026, ETFs held nearly 790 million XRP. That represented about 1.3% of the circulating supply. This shift changed how capital accessed XRP and anchored the asset inside regulated financial rails.

RLUSD and Stablecoin Expansion

Stablecoin infrastructure also matured rapidly. RLUSD did not exist 14 months earlier. By the end of 2025, it reached a $235 million market cap on the XRPL.

Messari reports a 164% quarter-over-quarter increase, making it the largest stablecoin on the network. RLUSD gained traction because it launched with compliance built in. Its features position it as a settlement asset suited for institutions, not experimentation.

Institutional Expansion Accelerates

Real-world assets on the XRPL reached record levels in Q4. Distributed RWAs climbed to $281.2 million, up 37% quarter over quarter. Ondo’s OUSG fund, Guggenheim’s Digital Commercial Paper, and tokenized real estate in Dubai drove that growth. Brazil added government pension-linked receivables using the ledger for compliant recordkeeping.

Ripple reinforced this momentum through acquisitions, including Hidden Road, GTreasury, Rail, and Palisade. It also raised $500 million at a $40 billion valuation and secured key regulatory approvals in the U.S., UK, and Singapore.

The ledger itself continued evolving. Permissioned Domains have launched, and native lending is in development. Credentials, multipurpose tokens, and compliance controls now exist at the protocol level. X Finance Bull summarized the moment, saying, “The receipts are in. The foundation is set.”

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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