XRP is increasingly seen as the foundational infrastructure for moving vast sums of value across global financial networks. As trillions of dollars flow daily across borders, platforms, and asset classes, the shortcomings of older systems are becoming too significant to overlook. Its primary value lies in acting as a neutral, high-speed bridge between different financial systems.
The question is whether XRP is becoming a standard layer for value transfer. The shift is already underway, with XRP building the framework to handle trillions. Crypto analyst Xfinancebull shared a video on X where Ripple CEO Brad Garlinghouse revealed at Davos 2026 that the company has been collaborating directly with banks worldwide. This work aims to connect tokenization and decentralized finance (DeFi) through the XRP Ledger, effectively turning it into a bridge between traditional finance and on-chain markets.
The numbers highlight the rapid growth of tokenized assets. In just one year, the volume has surged from $19 trillion to $33 trillion—a 75% increase. According to Xfinancebull, most people still underestimate the potential scale of this shift. The infrastructure is being built now, and the XRP Ledger is one of the few networks prepared to manage it. When institutional capital begins moving at scale, it will prioritize existing, robust infrastructure over narratives or popular altcoins, which is a positive sign for XRP.
Turning to market structure, the XRP market capitalization appears constructive. An analyst known as Bird pointed out that on higher-time frame charts, XRP has been trading within a clear descending accumulation channel for the past six months. The price has consistently respected the channel’s top, mid-range, and bottom—a hallmark of a healthy accumulation phase.
Recently, the price advanced into the upper half of the channel before pulling back this week to retest mid-range support. If this level holds, the structure suggests XRP could be poised for another upward move, according to Bird.
This setup becomes even more compelling when aligned with broader market trends. The Russell 2000 is at all-time highs, metals appear to be topping, Bitcoin dominance is starting to feel strained, Brad Garlinghouse spoke at Davos, and a new wave of community puzzles has emerged this week. Bird notes that when multiple signals converge this way, it often indicates the market is preparing for a significant move. From a chart perspective, Bird remains optimistic about XRP’s setup.
Frequently Asked Questions
Of course Here is a list of FAQs about how XRP is creating financial infrastructure for global value transfer designed with both beginner and advanced questions in mind
Beginner Foundational Questions
1 What is XRP and how is it different from Bitcoin
XRP is a digital asset and the native currency of the XRP Ledger a decentralized blockchain Unlike Bitcoin which is designed as a decentralized store of value XRP is built for speed and efficiency in moving value Bitcoin transactions can take minutes and have high variable fees XRP transactions settle in 35 seconds with minimal predictable cost
2 What does financial infrastructure mean in this context
It refers to the underlying systems and networks that enable money to move globally Todays infrastructure can be slow and expensive XRP aims to be a new foundational layerlike a highspeed rail for moneythat allows banks and payment providers to transfer value across borders instantly and cheaply
3 Who is behind XRP and this infrastructure
The XRP Ledger is opensource and decentralized maintained by a global community of developers Ripple a separate technology company is the biggest contributor and builds enterprise solutions that use XRP to solve realworld problems for financial institutions
4 What is the main problem XRP is trying to solve
It solves the problem of trapped capital To move money across borders today banks must prefund accounts in destination countries tying up billions of dollars that sit idle XRP can act as a bridge currency eliminating the need for this prefunded capital
Intermediate BenefitFocused Questions
5 How exactly does XRP move money faster and cheaper
Instead of sending a USD payment through multiple correspondent banks to reach EUR a payment provider can instantly convert USD to XRP send the XRP across the XRP Ledger in seconds for a fraction of a cent and then convert it to EUR on the other side This bypasses the traditional multistep chain
6 What are the realworld benefits for an average person
You could send an international remittance that arrives in seconds instead of days with significantly lower fees This means more money reaches the recipient It also enables new