If XRP is not a scam, why do the rumors persist?

$XRP One of cryptocurrencies’ most divisive questions is back in the news after a heated discussion on the Bradley Martin Podcast.

teeth $XRP An innovative payment network…or just a well-packaged pyramid scheme?

The conversation didn’t stop. At some point, $XRP It was bluntly described as a “pyramid scheme” in which insiders allegedly dumped tokens to individual investors. The accusations struck a nerve with the community, which had defended the project for years.

But is there substance behind that claim?

Central Debate: Utility vs. “Dumping”

Supporters point out that $XRPThe basics. This token was designed with speed, low transaction costs, and cross-border payments in mind. Transactions are settled in seconds. Prices are in 1 cent increments. Compared to traditional bank transfers, which take several days, this is a significant technological upgrade.

But critics are focused on one problem: Ripple’s problems. $XRP sale.

Close relationship with Ripple $XRPperiodically releases tokens from escrow and sells some to the market. Critics argue that this creates continued selling pressure and suppresses long-term price increases.

Some investors have believed for years that this continuous flow of supply would be maintained. $XRP It will never reach the explosive highs seen with coins like Bitcoin.

Supporters counter that this narrative is outdated. They claim that Ripple’s sales are structured, transparent, and often directed to institutional partners rather than random open market dumping. From their point of view, $XRP Distribution promotes ecosystem growth rather than depleting it.

The bigger question: Why does the government make the choices it does? $XRP?

One of the interesting perspectives brought up in the podcast wasn’t about price. It was about power.

if $XRP If we truly want to modernize global payments, why would governments and big banks rely on infrastructure tied to private companies? Why not build their own systems?

The skepticism is simple. Governments like control. Banks like profits. Why outsource your financial future?

On the contrary, the history of cryptocurrencies shows that financial institutions often adopt existing rails rather than reinventing the wheel. The Internet itself has not been rebuilt by all governments. I was hired.

So the discussion becomes philosophical.

• If an off-the-shelf blockchain network worked better, would institutions adopt it?
• Or do we resist what we cannot directly control?

The story of “alternative to Bitcoin”

The podcast also touched on another controversial idea. $XRP Will it replace Bitcoin?

This comparison provokes an immediate backlash from both sides.

Bitcoin positions itself as decentralized digital gold. $XRP Focuses on liquidity and cross-border payments. They solve various problems. framing $XRP This is because Bitcoin alternatives can oversimplify what each asset is designed to do.

Still, the mere suggestion fuels speculation. Some believe that if global finance changes dramatically, financial institutions could promote assets that are more scalable and compliance-friendly than Bitcoin.

Some see that as wishful thinking.

• Also read:
• “Everyone should pay attention to this signal”: $XRP RSI suggests the bottom is in and the next one will be $10.
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Ponzi accusations: fair criticism or old tale?

make a call $XRP Ponzi schemes are not new. This argument typically hinges on two points:

1. Concentration of token supply.
2. Continuing token sales by Ripple.

However, a Ponzi scheme requires a guaranteed return on new investors’ funds. $XRP It does not promise a certain profit. Its price fluctuates freely in the market. That alone complicates comparisons.

This does not mean that criticism is invalid. Concerns about transparency, token distribution, and corporate influence are legitimate points of discussion in any crypto project.

But labeling this a complete scam would be to oversimplify a complex ecosystem that has survived regulatory battles, market crashes, and years of scrutiny.