Top Wall Street investors have invested $500 million in Ripple in 2025 – a figure that reflects how $XRP has become the financial backbone of the company, and that’s why analysts say Ripple has little reason to move away from it.
A recently released academic article, published in Advances in Economics, Business and Management Research, asserts that $XRP‘s role in Ripple’s cross-border payment network makes abandonment not only unlikely, but structurally difficult. The document was brought to greater attention by $XRP SMQKE community researcher.
The arguments against breaking ties
Ripple Payments – formerly known as RippleNet – uses $XRP as a bridging asset to move money across borders quickly and inexpensively. According to the newspaper, this dependence runs deep. $XRP Helps guard against the risks of double spending while reducing the delays that plague traditional payment systems.
Banks like Bank of America and Santander are among the financial institutions connected to the Ripple network. This type of institutional footprint keeps any sudden change away from $XRP a complicated proposition, reports indicate.
‼️ WHY RIPPLE WILL NEVER GIVE UP $XRP!!️
Read carefully.😶🌫️
“Because RippleNet DEPENDS a lot on $XRPTHE $XRP will coexist with Ripple Labs. »✅
“In this way, as long as Ripple Labs is widely used for its cross-board real-time payment business, the $XRP the market will ALWAYS function as a… pic.twitter.com/9YZvBLoExt
– SMQKE (@SMQKEDQG) March 13, 2026
The newspaper does not declare $XRP untouchable. He points to increased regulation and competing technologies as real threats that could reshape how Ripple operates in the long term. Yet its central conclusion is that $XRP and Ripple will likely remain linked for the forestry future.
$XRPThe broader ambitions of
Beyond Payments, Ripple Explored Positioning $XRP as a neutral intermediary for central bank digital currencies, or CBDCs. The idea is that $XRP could connect different national digital currencies without requiring parties to rely on traditional financial intermediaries.
This ambition signals something important. Ripple does not process $XRP as a legacy product to be quietly retired. According to reports, the company has been actively expanding its use cases rather than reducing them.
CEO Brad Garlinghouse has publicly described $XRP as the company’s guiding objective. His exact words, often repeated in the $XRP community: “$XRP is our north star.
Stablecoin launch adds new layer
The deployment of Ripple $RLUSDits own stablecoin, has fueled speculation that $XRP could be sidelined. Some observers interpret the move as a sign that Ripple is hedging its bets with a more stable asset.
Ripple executives pushed back against this reading. They maintain $XRP is not replaced – this $RLUSD He acts alongside him and not in his place.
The academic article largely supports this position. He frames $XRP As a core element of both network security and overall system efficiency, not a dying technology. Whether this will continue as stablecoins gain traction in the broader payments industry remains an open question.
Featured image from Pexels, chart from TradingView
