A prominent market commentator has suggested that XRP ticks all four boxes necessary for a crypto asset to grow into the next-gen financial infrastructure.
Notably, XRP still trades around the $2 mark, yet most community pundits argue that this price fails to show the token’s real value. They believe investors still treat XRP like a retail asset, while it has the potential to grow into something much more.
XRP Ticks All Four Boxes
Jake Claver, CEO of DAG, holds this sentiment. In a recent post on X, he suggested that XRP already satisfies every requirement necessary to operate inside the global financial system. Essentially, only tokens that show real-world utility earn trust at an institutional level, and Claver believes XRP already fits this description.
Speaking further, he called attention to four traits that determine whether a crypto asset can support serious financial activity. According to him, these traits include price stability, a reliable network, steady transaction volume, and support from major institutional players.
He insisted that XRP already shows strength in all four areas, looking to “grow as next-gen financial infrastructure.” Claver’s recent comments align with the belief among XRP community figures that XRP could grow into a payment infrastructure rather than continue trading as a speculative crypto.
Price Stability
On the price stability end, XRP currently trades for $2.13, showing firm support in the $1.80 to $2.20 range, according to market reviews. The token posted a strong comeback in early 2026 alongside the rest of the market, rising more than 35% from its December 2025 low before the latest correction.
Meanwhile, before the Q4 2025 downtrend, XRP recorded a similar upward push, when it soared in July 2025 to a new all-time high around $3.66 before pulling back with the wider market. Since 2023, after it attained legal clarity, XRP has only recorded one annual loss, confirming its price stability.
Notably, Ripple’s routine escrow releases control supply and limit sudden market swings, while billions of dollars in daily trading volume help create deep liquidity. Market commentators have argued that large institutions require this level of liquidity before working with any asset.
How Reliable is the XRPL?
Meanwhile, Claver’s second test focuses on network stability. For context, the XRP Ledger delivers transaction finality in roughly 3-5 seconds and runs with extremely low energy use because the network uses a consensus model that does not depend on mining.
Importantly, more than 150 independent validators protect the ledger and support near-constant uptime. Developers have continued to improve the network with upgrades that include digital identity features, AMMs, and other infrastructures surrounding DeFi. Also, the ledger handles around 1,500 TPS, enough for real-world large-scale financial use.
XRP and XRPL Handling Consistent Transaction Volumes
Claver’s third requirement focuses on consistent transaction volume. On the on-chain part, the XRP Ledger continues to process heavy and consistent transaction volume. Activity in Q3 2025 averaged around 1.8 to 2 million transactions per day, with occasional spikes that pushed totals even higher.
These transactions fuel real-world use cases that include remittances, business payments, and a new wave of DeFi and stablecoin activity. Meanwhile, when it concerns market activity, XRP itself sees consistently large transaction volumes. Specifically, this year, the lowest 24-hour volume has been $1.4 billion on Jan. 1. Besides this, volume has ranged between $3 billion and $7 billion.
Ripple and XRP Secure Institutional Engagement
The final test centers on institutional engagement, and XRP scores strongly here as well. Ripple works with more than 300 banking and payment partners worldwide through RippleNet, and many of these firms use XRP through On-Demand Liquidity for cross-border settlement.
Major names like Santander, SBI, and PNC sit among these partners, and adoption keeps spreading across Asia, Europe, and the Middle East.
Notably, institutional momentum has grown from late 2025 through 2026 as spot XRP ETFs attract over $1.21 billion in inflows. In addition to this, Ripple secured regulatory clarity after its dispute with the SEC ended, launched a stablecoin, made major acquisitions, and secured a conditional approval for its bank charter.
