왜 아무도 XRP에 대해 이런 질문을 안 하나요? 🤔

Yes, if they control the supply then they control the price. It’s not a truly decentralised blockchain like BTC or ETH, so in my opinion has never been going to the moon. The only people saying that want to leave you holding their bags.

Tiene sentido pero no se que no puedo o no tengo con que ayudar al debate

The core tension is that XRP bulls want it to be both a utility token kept cheap enough for banks to use AND a speculative asset that moons.

Ripple's counter-argument is that banks don't actually hold XRP. It's just used as a bridge for seconds during a transaction, so the price doesn't need to stay low. But that also means banks don't *need* to buy and hold it, which weakens the demand argument for price appreciation.

These arguments have been brought up for years. I know i had discussions with XRP fanboys stating exactly this like 8 years ago....

yea theres a reason nobody is using it. all the traffic on xrp is fake asf. entire coin is built to make it appear like its got traffic. nothing is actually happening. 24/7. although thousands of wallets are being made/destroyed. and billions of coins are sent/received. its all just wash. and the amount of coins received by creators alone should chase you away.
fact is there's no reason to use xrp from banks perspective. could use any coin. or create their own.

>\*\*Consider what we know:\*\*

Ok I’ll expect credible sources then.

>1. How it’s used to conduct cross-border payments

Plenty of info direct from Ripple on this.

>2. Ripple owns the majority of shares, primarily (IMO) so they can control the price

Coins, not shares. XRP is not a share of stock of Ripple, Ripple did not issue XRP, XRP ownership does not transfer to Ripple ownership. How would owning a majority of coins control price? Look at the daily, weekly and monthly trading volume and explain what price control Ripple’s monthly escrow or other OTC sales could possibly happen. The math doesn’t math. Ask your favorite AI agent to do the math for you.

>3. The goal is worldwide adoption/to replace SWIFT

Credible source on this? Ripple has stated that they expect to take some marketshare from Swift due to the nature of the technology and banks wanting to have faster cheaper payments without holding nostro vostro accounts, but nowhere have I ever read that the software RipplePayment’s was intended to replace swift. Swift is a secure messaging platform, Swift does not move value, RipplePayments moves value, it is also a secure messaging platform.

>How will smaller and mid-size banks adopt the technology if they can’t afford to buy the large amount of xrp needed in their reserve to conduct transactions?

They don’t need to hold XRP in reserve, RipplePayment’s is a software suite and when ODL (on demand liquidity) is used no nostro / vostro accounts are needed.

>XRP is intended to represent an amount, the amount of money being sent, as I understand it. It would be stupid if it was worth $50 where the dollar is worth $1, right?

No. This post is from David Schwartz.

>It can’t be dirt cheap. That doesn’t make any sense. If XRP costs $1, they’d need a million XRP which would cost $1 million. If XRP cost a million dollars, they’d need one XRP which would, again, cost $1 million.

>Except that higher prices make payments cheaper. Right now, you can buy a million dollar house with bitcoins. When bitcoins where $300, it would move the market too much and be too expensive to be practical. So higher prices make payments cheaper. ~ David Schwartz recently retired CTO of Ripple and co-creator of the XRPL and XRP ~ https://x.com/joelkatz/status/932748963526066178?s=61

Slippage is real, and why moving the market makes payments more expensive, in order to not do that a higher value coin helps with keeping payments cheaper.

>Does ripple control the price because THEY HAVE TO in order to KEEP IT LOW TO OPERATE AS INTENDED?

Ripple does not control the price. Let’s use critical thinking here. If this was the case, wouldn’t that have been discovered during the 5 years that the SEC had full access to every financial document Ripple had? Wouldn’t that have been a ‘gotcha’ for the SEC? No, and they know what you don’t, Ripple does not control the price, has no means to control the price, and there is no evidence they have controlled the price.

>Is xrp essentially a “hybrid” version of a stable coin (I know it’s not one technically). But it just seems like it has to remain stable or it can’t function as it’s intended.

Your logic used here is false, it may ‘seem’ this way to you, but I don’t know where you derive your assumptions from, but from what I have read from you i’d say you need to get info from the source and not 3rd party. XRP is a country neutral crypto currency that has no central authority, stable coins are issued by companies and under regulation by the jurisdictions they are used in.

>CAN SOMEONE PLEASE TELL ME IM AN IDIOT AND EXPLAIN WHAT IM MISSING?

Not an idiot, but you don’t know what you don’t know. Same for everyone until due diligence is done and even then there is always more to discover about what you don’t know and learn.

Good question—XRP’s utility case is more about transfer speed and liquidity depth than banks holding huge reserves long-term. If adoption grows, demand can still rise, but that doesn’t automatically guarantee “moon” price narratives.

What is xrp?