Crypto investors are growing increasingly frustrated as XRP continues to decline, a trend that appears linked to broader market swings. However, a fresh viewpoint emerged from Versan Aljarrah, founder of Black Swan Capitalist, who argued that focusing on XRP’s daily price movements misses the point of what the asset truly is.
Aljarrah challenged the common practice of evaluating XRP like a typical speculative cryptocurrency driven by debt-based inflows and hype. He emphasized that labeling XRP as “dropping” assumes it should behave like other tokens, whose value relies heavily on leverage trading and investor sentiment. According to him, XRP only seems to follow market trends for now, but its long-term role is fundamentally different.
Rather than being a speculative tool, Aljarrah described XRP as a settlement asset intended to help resolve debt, enhance liquidity, and eventually operate outside the current financial system it mirrors. This perspective suggests that short-term price drops, even significant ones, shouldn’t be seen as failures but as temporary fluctuations while its practical value grows.
Despite this, XRP remains tied to short-term market volatility. Its market cap has fallen sharply from over $210 billion to around $129 billion, reflecting broader crypto market shifts driven by ETF expectations, news, and liquidations. Recently, XRP’s price has dropped alongside Bitcoin and Ethereum due to selling pressure.
On the utility front, the XRP ecosystem has seen quiet progress that may not yet impact its price. Ripple, the company behind XRP, has invested nearly $4 billion in acquisitions, including Hidden Road for $1.25 billion and stablecoin platform Rail for $200 million. In September 2025, Ripple Labs also expanded its partnership with Thunes to strengthen cross-border payments.
ETF developments are adding momentum. Canary Capital’s Spot XRP ETF, launched on November 13, 2025, attracted $268 million in inflows, marking the largest crypto-ETF debut of the year. More ETFs are on the way, with four additional spot XRP ETFs expected starting November 18, 2025, including one from Franklin Templeton (ticker EZRP), which analysts predict could bring up to $1.2 billion in new capital.
Frequently Asked Questions
Of course Here is a list of helpful and clear FAQs about XRP based on the analysts perspective that it is often misunderstood
Beginner Definition Questions
1 What is XRP in simple terms
XRP is a digital asset built for payments Its designed to move money across borders quickly cheaply and reliably acting as a bridge between different currencies
2 Is XRP the same as Ripple
No Ripple is a technology company that uses XRP in some of its products Think of it like Google and Google Chrome They are related but not the same thing
3 What is the true function of XRP
Its primary function is as a bridge currency in international payments Instead of a bank holding dozens of different currencies it can use XRP to facilitate a transaction between for example US Dollars and Japanese Yen in seconds
How It Works Benefits
4 How is XRP different from Bitcoin
Bitcoin is primarily a decentralized store of value XRP is a centralized tool for fast settlements XRP transactions are much faster and cheaper than Bitcoins
5 What are the main benefits of using XRP
Speed Transactions settle in 35 seconds
Low Cost Transaction fees are a fraction of a penny
Scalability The XRP Ledger can handle thousands of transactions per second
6 Can I use XRP to buy coffee like Bitcoin
Technically yes but thats not its intended purpose Its built for larger institutional payments between financial entities not for small everyday purchases
Common Misunderstandings Problems
7 What is the biggest misunderstanding about XRP
Many people think its just another cryptocurrency for speculators to invest in Its true value is as a utility token for the financial industry to improve crossborder payments not just as an investment asset
8 Is XRP centralized and why does that matter
Yes it is more centralized than Bitcoin or Ethereum All XRP was created at its inception and the network is managed by a unique validator list This allows for faster transactions and lower energy use but goes against the decentralized for everyone ethos of other major cryptocurrencies