XRP Use Cases Expand Beyond Payments as Tokenization and RWA Settlement Gain Traction
Crypto commentator X Finance Bull and Canary Capital CEO Steven McClurg say XRP is moving beyond a cross-border payments token toward a settlement layer for tokenized real-world assets (RWAs). X Finance Bull highlighted roughly $110 million in tokenized diamond transactions settled on the XRP Ledger and argued the platform’s roadmap — payments infrastructure first, then tokenized assets, then full financial rails — positions XRP as a native settlement token for a wide range of tokenized transactions. Canary Capital’s McClurg similarly predicted XRP could become a leading token for RWA tokenization based on Ripple’s recent integrations with Wall Street and growing institutional adoption. X Finance Bull also noted Ripple’s new treasury platform will unify cash and digital-asset visibility, enable instant settlements, reduce FX costs, unlock working capital through continuous yield optimization, and make tokenized assets and programmable payments native. At time of publication XRP traded near $1.74. Primary keywords: XRP, tokenization, real-world assets, XRP Ledger. Secondary/semantic keywords: RWA, settlement layer, Ripple treasury, institutional adoption.
Bullish
The article signals expanding utility for XRP beyond payments into RWA tokenization and enterprise settlement — developments that typically support greater on-chain demand and institutional interest. Positive catalysts: (1) reported $110M of tokenized diamonds settled on XRP Ledger demonstrates active RWA flows; (2) endorsements from influencers (X Finance Bull) and institutional voices (Canary Capital CEO) increase market confidence; (3) Ripple’s treasury platform and Wall Street integrations lower adoption friction for corporates, potentially increasing settlement volume and native token usage. Short-term impact: modestly bullish — traders may see increased speculative buying on positive narrative and potential partnerships, but price reaction could be muted by market conditions and profit-taking. Long-term impact: more bullish — if Ripple continues integrating with institutional corridors and RWAs scale, XRP could see sustained demand as a settlement token, improving on-chain volume and utility-driven valuation. Risks: regulatory uncertainty, competition from other RWA platforms and settlement networks, and execution risk around enterprise adoption. Comparable historical parallels: ETH’s appreciation as DeFi and tokenization use cases matured; Stellar and Algorand saw episodic rallies when positioned as payment/RWA rails. Overall, news increases probability of bullish medium-to-long-term fundamental re-rating but does not guarantee immediate price jumps.