One former senior Ripple executive said: $XRP It was not a retail trading currency. According to Dilip Rao, Ripple’s infrastructure innovation lead, the asset is designed to serve large financial systems. He mentioned that $XRP As a bank currency. He highlighted the contribution of financial institutions in cross-border payments and stressed the fact that financial institutions need speed, reliability and liquidity. He also positioned: $XRP Not as a gambling tool for common traders, but as a basic protocol for global payments.
$XRP Not for retail use 👀🔥
Dilip Rao, former global head of infrastructure innovation at Ripple, clearly acknowledges that. #$XRP Built for infrastructure, not speculation.
one by one $XRP Treated like GOLD 💰 pic.twitter.com/GBRbA3pfn0
— John Squire (@TheCryptoSquire) January 23, 2026
Mr. Rao argued that retail speculation was creating unwarranted market noise. According to him, short-term trading is the wrong approach. $XRP. He said price fluctuations were confusing real-world utility. He pointed out that banks focus on efficiency rather than price charts. He said institutions would prefer a predictable system. he put $XRP Not for the benefit of hype, but as financial plumbing.
$XRP In-facility adoption
largely $XRP Rao revealed that the sale was to be made to institutions. He said it is used by financial companies. $XRP As wholesale liquidity. He claimed that banks were using it as a payments asset and likened its future status to digital gold. Therefore, it is also assumed that infrastructure assets have value through use rather than through speculation. He suggested future applicability. $XRP Hiring by companies will be affected.
This was a video from a conference held in 2018. It was resurfaced by crypto users in 2026. Influencers went public against the retail industry story. They applied it to strengthen their organizational branding. $XRP. This period coincided with a renewed focus on the practical application of blockchain. As a result, the clip has regained an old but new momentum.
Mixed community reactions
Rao’s message was supported by some users. It was agreed that banks would be the first target. $XRP. They argued that retail store hype negatively impacts credibility. Some people criticized the clip. They called it outdated. They raised the question of whether the institution was in control. $XRP How to use it in modern times. There were suspicions that promoters of old content were recycling old content. Nevertheless, this controversy made people interested in early design philosophies. $XRP.
A broader conceptual shift is brought about within the realm of cryptography. More and more investors are paying attention to utilities. They value networks that address real-world problems. Corporate use is preferred compared to memes. $XRP It qualifies as a payment layer. The message is clear whether retail traders are ready to accept this role. $XRP tries to act as a force in the financial system, but not as a trading chart.
