- Investor 24HRSCRYPTO argues that while stablecoins like USDC tokenize fiat, XRP functions as a global bridge asset.
- He describes XRP’s true worth as the market cap of a global settlement layer.
- 24HRSCRYPTO concludes that Bitcoin stores value, but XRP moves it, predicting XRP will surpass Bitcoin in utility.
Crypto investor and market commentator 24HRSCRYPTO has published a detailed analysis explaining why XRP, in his view, is uniquely positioned to serve as the global liquidity layer for the financial system, not just another digital asset.
He begins by contrasting USDC, a regulated stablecoin pegged to the U.S. dollar, with XRP, which he describes as “neutral liquidity.” “USDC represents dollars. XRP represents neutral liquidity,” he wrote. “One is engineered to hold value still; the other is engineered to move value across systems.”
According to his explanation, USDC can only scale as far as the U.S. dollar itself, while XRP’s design allows it to scale across every currency, every chain, and every asset without relying on a peg.
Stablecoins Tokenize Money — But XRP Moves It
24HRSCRYPTO emphasized that while stablecoins like USDC, RLUSD, and USAT will dominate digital dollar markets, they all require a bridge asset to function globally. “None of them solve FX friction, cross-chain settlement, or institutional liquidity,” he said. “They just digitize fiat.”
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Please take a minute to read this.
Once you understand this, its 🤯
USDC represents dollars. XRP represents neutral liquidity.
One is engineered to hold value still, the other is engineered to move value across systems.
USDC can only scale as far as the U.S. dollar itself.… pic.twitter.com/Et5RjxeMbU
— 𝟸𝟺𝙷𝚁𝚂𝙲𝚁𝚈𝙿𝚃𝙾 (@24hrscrypto1) November 12, 2025
In contrast, XRP eliminates pre-funding requirements and unlocks trapped capital in the banking system by enabling direct settlement between currencies in seconds. He added that XRP handles liquidity across multiple chains and markets, scaling not by pegged value but by global transaction volume.
“So, while stablecoins tokenize money, XRP becomes the liquidity layer that moves ALL tokenized money.”
XRP’s Function as a Global Settlement Asset
The investor argues that XRP’s potential value should not be viewed in terms of price speculation, but rather as the market capitalization of a global settlement asset. “That’s why XRP’s ceiling is not $1 or $10,” he wrote. “It’s the market cap of a global settlement asset that scales with institutional flows.”
He contrasted XRP’s utility-based model with Bitcoin’s store-of-value function, stating that Bitcoin holds value, but XRP moves the world’s value.
“XRP Will Flip Bitcoin — Not Through Hype, But Through Function”
In his concluding remarks, 24HRSCRYPTO predicted that XRP’s role in powering institutional liquidity and cross-border settlement could eventually allow it to overtake Bitcoin in utility and importance.
“Bitcoin is a store of value… But XRP is the infrastructure value,” he wrote. “One holds value. One moves the world’s value. And that’s exactly how XRP will flip Bitcoin — not through hype, but through function.” He summarized the distinction with a clear comparison: “One is designed for stability. The other for scalability.”
The Bigger Picture
24HRSCRYPTO’s argument reflects a growing narrative in the digital asset space that the next phase of blockchain adoption won’t be driven by speculation or retail enthusiasm but by infrastructure assets capable of integrating with institutional systems and global liquidity frameworks.
With Ripple’s continued expansion in cross-border settlements and stablecoin integrations, XRP’s role as a neutral bridge asset may soon define its true market value — not as a cryptocurrency chasing price action, but as the engine that moves tokenized money worldwide.
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