X Finance Bull (@Xfinancebull) recently shared a video explaining how XRP derives value through function and usage rather than investment behavior. He described it as an asset designed to move liquidity across borders at scale. That purpose defines how demand forms.
In the video, he addressed how XRP is often evaluated. He stated clearly that XRP should not be treated like a company. XRP <a href="https://timestabloid.com/black-swan-capitalist-xrp-as-the-neutral-settlement-layer/" rel="noopener noreferrer nofollow">operates as a settlement asset</a>. It does not represent ownership or equity.
<blockquote class="twitter-tweet">
 They’re still trying to value <a href="https://twitter.com/search?q=%24XRP&amp;src=ctag&amp;ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">$XRP</a> like a stock
 I broke down why that logic fails and why XRP moves on flows and real usage, not speculation
 If you care about real-world usage, this shifts everything
 Watch here <a href="https://t.co/xfAos2ADUP" rel="noopener noreferrer nofollow">pic.twitter.com/xfAos2ADUP</a>
 — X Finance Bull (@Xfinancebull) <a href="https://twitter.com/Xfinancebull/status/2008131362956427609?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">January 5, 2026</a>
</blockquote>

<h2 id="strong-xrp-cannot-be-valued-like-a-stock-strong">XRP Cannot Be Valued Like a Stock</h2>
X Finance Bull explained that market cap applies when something is treated as an investment asset, similar to a stock. He said that logic only fits if XRP were being used like a company or held as an investment vehicle. He emphasized that XRP was not built for that role.
He explained that XRP’s primary use is not buying and holding. Its function centers on moving value. That distinction changes how liquidity enters the asset. XRP exists to support payments. Its <a href="https://timestabloid.com/ripple-ceo-foresees-xrp-as-backbone-of-new-financial-infrastructure/" rel="noopener noreferrer nofollow">role inside the financial infrastructure</a> defines how it behaves.
He emphasized that XRP is not being used as a stock for investment purposes. The major liquidity entering XRP does not come from investors holding it and from real-world usage. That usage requires constant liquidity for transactions, which removes stock-style valuation limits tied to market cap.
<h2 id="strong-liquidity-comes-from-transactions-strong">Liquidity Comes From Transactions</h2>
In the video, X Finance Bull explained that the dominant source of liquidity comes from transactional use. Capital enters XRP to complete settlements, and after each transfer, liquidity exits and returns again for the next transaction.
<blockquote class="twitter-tweet">
 We are on X, follow us to connect with us :- <a href="https://twitter.com/TimesTabloid1?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">@TimesTabloid1</a>
 — TimesTabloid (@TimesTabloid1) <a href="https://twitter.com/TimesTabloid1/status/1934162718258499855?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">June 15, 2025</a>
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This cycle repeats continuously, keeping capital in motion rather than lying idle. He explained that <a href="https://timestabloid.com/institutions-are-adopting-ripple-and-xrp-to-move-real-money/" rel="noopener noreferrer nofollow">this activity comes from institutions and banks</a>. XRP supports cross-border settlement, and institutional usage drives demand.
<h2 id="strong-xrp-in-cross-border-payments-strong">XRP in Cross-Border Payments</h2>
X Finance Bull spoke directly about XRP’s role in global payments. He explained that XRP is used to move value across borders. His point centered on how frequently these transactions occur and the scale at which XRP is designed to operate.
XRP’s price responds to its usage. Liquidity demand grows as payment volume grows. Cross-border payments occur constantly, and each transfer requires liquidity. XRP fills that role by <a href="https://timestabloid.com/institutions-are-currently-using-xrp-as-a-bridge-currency-heres-the-proof/" rel="noopener noreferrer nofollow">acting as a bridge asset</a> between currencies. This model ties demand to real payment activity. Liquidity requirements increase as transaction volume increases.
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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The post <a href="https://timestabloid.com/pundit-theyre-still-trying-to-value-xrp-like-a-stock-this-shifts-everything/" rel="noopener noreferrer nofollow">Pundit: They’re Still Trying to Value XRP Like a Stock. This Shifts Everything</a> appeared first on <a href="https://timestabloid.com" rel="noopener noreferrer nofollow">Times Tabloid</a>.

Pundit: They’re Still Trying to Value XRP Like a Stock. This Shifts Everything

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