1 Thing Every XRP Investor Needs to Know

Group 1 - XRP has experienced a nearly 40% decline from its July peak, yet many investors remain optimistic due to Ripple securing conditional approval for a national bank charter and the resolution of its SEC case [1] - RippleNet's adoption does not necessarily increase XRP demand, as banks can utilize Ripple's technology without using XRP, focusing instead on faster payments and lower costs while retaining traditional currencies [2] - The On-Demand Liquidity (ODL) service uses XRP as a bridge asset for cross-border transactions, but its adoption is limited to smaller institutions, with major banks not utilizing it [3] Group 2 - There is a disconnect in the investment thesis for XRP, as the expectation that increased banking adoption would lead to higher XRP demand is undermined when banks grow without using XRP [4] - Ripple's development of the RLUSD stablecoin could potentially replace XRP as the preferred bridge asset in ODL transactions, further complicating XRP's value proposition [5] - The current value of XRP is largely based on speculation and hype, which may diminish over time, leading to a potential price drop [6] Group 3 - Ripple's business momentum does not guarantee increased demand for XRP as an investment, and the introduction of a dollar-backed stablecoin could alter the long-term investment thesis for XRP [9]