\u201cHaters say Ripple sell XRP so they can buy real-world companies and assets, because that\u2019s how Ripple \u2018makes money\u2019,\u201d Taylor wrote. \u201cIn my opinion, that completely misunderstands the business model and more importantly, the direction of causality. Yes, Ripple monetises some XRP. But not to replace XRP with traditional assets.\u201d<\/p>\n
In Taylor\u2019s telling, the misunderstanding starts with treating XRP like operating cash rather than a strategic, asymmetric asset. He argued that a large holder of an asset with outsized upside potential would not logically liquidate it simply to \u201cstack normal companies,\u201d especially if that asset could become worth more than the firm\u2019s balance sheet at scale.<\/p>\n
\u201cIf you hold roughly 40% of an asset that, at scale, could be worth more than your entire balance sheet, you don\u2019t treat it like operating cash,\u201d he wrote. \u201cYou don\u2019t say: \u2018Let\u2019s sell the most asymmetric asset we own just to stack normal companies.\u2019 That would be insane.\u201d<\/p>\n
From there, Taylor reframed Ripple\u2019s acquisitions, integrations, and buildout efforts not as a pivot away from XRP but as \u201cmultipliers\u201d that increase the odds XRP becomes a viable global settlement instrument. Traditional assets, he argued, are inputs to expand distribution, compliance, and liquidity: conditions that would make a bridge asset more useful at institutional scale.<\/p>\n
\u201cWhen Ripple acquires or integrates with firms like Hidden Road, stablecoin infrastructure, or tokenised treasury rails, those assets are not the end goal,\u201d Taylor wrote. \u201cThey are multipliers. Those companies are not replacing XRP. They are building the pipes that require XRP to function efficiently.\u201d<\/p>\n
Taylor positioned this as a flywheel: XRP sits at the \u201cstrategic core\u201d on the balance sheet, Ripple builds a full stack around payments and liquidity, institutions adopt because the rails are complete, and the token becomes a neutral settlement layer whose demand compounds over time. Under that framework, he said, short-term monetization is better understood as capital deployment in service of a long-term network effect rather than straightforward dilution.<\/p>\n
\u201cThat\u2019s not dilution. That\u2019s capital deployment,\u201d Taylor wrote, adding that if Ripple simply wanted to be \u201ca profitable TradFi-style company,\u201d it would not \u201cobsess over neutral settlement,\u201d keep XRP \u201carchitecturally central,\u201d or push it into \u201cregulated institutional rails.\u201d<\/p>\n
The distinction matters because it changes how observers interpret Ripple\u2019s incentives. In Taylor\u2019s model, the objective is not to sell the token in order to accumulate off-chain assets; it is to use off-chain assets\u2014licenses, liquidity venues, compliance infrastructure, and institutional integrations\u2014to increase XRP\u2019s necessity as a settlement tool.<\/p>\n
\u201cThe endgame is not: \u2018Sell XRP to buy assets,\u2019\u201d he wrote. \u201cThe endgame is: \u2018Use assets to make XRP unavoidable.\u2019\u201d<\/p>\n
At press time, XRP traded at $1.8773.<\/p>\n
![\"XRP](\"https:\/\/www.newsbtc.com\/wp-content\/uploads\/2025\/12\/XRPUSDT_2025-12-31_14-05-04.png?resize=1024%2C473\")
<\/p>\n","protected":false},"excerpt":{"rendered":"
A prominent XRP commentator is pushing back on a familiar critique of Ripple\u2019s business model, arguing that skeptics have the causality backwards when they claim the company sells XRP merely to amass traditional assets. In a post on X on Wednesday, CryptoInsightUK founder Will Taylor said the \u201chaters\u201d are \u201cso close to being right,\u201d but…<\/p>\n","protected":false},"author":1,"featured_media":9160,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[361],"tags":[149,4276,148,326,327],"class_list":["post-9159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xrp-news","tag-ripple","tag-will-taylor","tag-xrp","tag-xrp-news","tag-xrp-price"],"_links":{"self":[{"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/posts\/9159","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/comments?post=9159"}],"version-history":[{"count":0,"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/posts\/9159\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/media\/9160"}],"wp:attachment":[{"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/media?parent=9159"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/categories?post=9159"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ad-doge.com\/blog\/wp-json\/wp\/v2\/tags?post=9159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}