XRP Is Solving Payment Problems

Vincent Van Code, a respected software engineer and blockchain analyst, recently offered a striking perspective on XRP’s true role in global finance. In a post on X, he argued that XRP is not solving a payments problem. Instead, it addresses a far deeper challenge: liquidity. According to Van Code, Ripple’s founding vision, formed over 14 years ago, centered on a powerful question: “How do we create unlimited liquidity without causing domestic inflation?” The answer was a digital asset that could facilitate instant value transfer across borders without relying on national currencies or monetary expansion. XRP, he asserts, was built to be that bridge, one that could eventually enable over $100 trillion in liquidity to move freely, without the systemic risk of inflation or currency devaluation. Crucially, this liquidity is never about buying or selling $100 trillion worth of XRP. Rather, XRP serves as a transient vehicle, used to exchange value, particularly stablecoins, at the exact speed of available supply. Not faster, not slower. In this role, XRP becomes a kind of “hydraulic fluid” in the global economy, enabling seamless conversion between assets in a way fiat currencies simply can’t. XRP is not solving a payment problem. It is solving a liquidity problem. 14 years ago, they asked the question “how we create unlimited liquidity without causing domestic inflation?” Thats where a token which provides $100T of liquidity comes into play. You can never sell… — Vincent Van Code (@vincent_vancode) July 20, 2025 XRP as a Liquidity Engine This vision expands XRP’s utility far beyond the realm of payments. While many see Ripple’s On-Demand Liquidity (ODL) system as a way to reduce fees and settlement times for cross-border transactions, Van Code highlights something more fundamental: XRP is solving the liquidity bottleneck that has long constrained global finance. Through ODL, financial institutions don’t need to pre-fund accounts in multiple currencies. Instead, they can source liquidity on the fly, using XRP to bridge value between fiat and stablecoins, such as RLUSD or EURØP, without the need for intermediaries. This reduces friction, improves capital efficiency, and minimizes exposure to foreign exchange volatility. Ripple’s Stablecoin Integration Ripple’s recent push into stablecoins further solidifies XRP’s role in this new liquidity architecture. The launch of RLUSD and the integration of euro-backed EURØP on the XRP Ledger have expanded Ripple’s utility stack. These stablecoins complement XRP, allowing institutions to lock in fiat value while relying on XRP for real-time settlement. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Van Code emphasizes that this interplay between stablecoins and XRP creates a scalable system, one that can replicate the liquidity depth of global banking without needing to inflate or manipulate monetary supply. In this sense, XRP becomes the “connector,” not the value reservoir. XRP Price and Market Outlook As of report time, XRP is trading at $3.53, with intraday movement between $3.39 and $3.54. Though still below its speculative highs, XRP is now operating in a fundamentally different landscape. Regulatory clarity, growing adoption, and the expansion of enterprise use cases have strengthened XRP’s position as a utility-driven asset. Analysts expect Ripple’s liquidity framework, especially its stablecoin strategy, to drive long-term value for XRP. With institutions increasingly adopting blockchain-based rails, XRP may soon be recognized less as a speculative token and more as a critical layer in the future of finance. As Van Code succinctly put it: once you understand XRP’s role in enabling frictionless, scalable liquidity, you begin to see its true value. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post XRP Is Solving Payment Problems appeared first on Times Tabloid .

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