- WisdomTree report labels XRP as institutionally designed payment asset
- Resurfaced research reignites XRP Army debate over utility
- Bitcoin store of value narrative contrasted with XRP utility
Fresh excitement rippled across the XRP community after a resurfaced research excerpt from WisdomTree began trending on X, drawing attention to how a major asset manager characterizes the digital asset. Crypto researcher SMQKE posted the excerpt from a December 2024 insight article by the global asset manager on X, which explicitly states that XRP is designed for institutional use.
The circulation of the excerpt has intensified discussion across social media platforms, particularly among XRP supporters who point to institutional adoption as central to the asset’s identity.
Inside WisdomTree’s Bitcoin and XRP Comparison
The WisdomTree’s report compared Bitcoin and XRP, outlining the structural and functional differences between the two assets. The document presents Bitcoin as a store of value driven by scarcity and decentralization, while it frames XRP as a utility-focused token built to facilitate efficient cross-border payments within financial systems.
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The report, titled “Bitcoin vs XRP Understanding Two Giants of the Crypto World,” examines how each asset occupies a different position in the digital market structure. Bitcoin traces its origin to 2009 under Satoshi Nakamoto. Over time, investors increasingly treated Bitcoin as digital gold because of its capped supply of 21 million coins and decentralized design. Consequently, Bitcoin accounts for more than half of the total crypto market capitalization, according to the research.
However, WisdomTree’s analysis places XRP in a different category. The document states that XRP is designed for institutional use and primarily regarded as a utility token enabling cost-effective and efficient cross-border payments. Moreover, the report highlights XRP’s alignment with financial institutions rather than retail-driven narratives.
The research also references the infrastructure developed by Ripple to support cross-border settlements. Ripple’s On-Demand Liquidity service leverages XRP to process transactions without requiring pre-funded accounts. Additionally, payment networks such as Tranglo have integrated this system into their operations.
Market Positioning and Valuation Context
Beyond use case distinctions, the report also notes the valuation gap between the two assets. Bitcoin’s market capitalization stood at $1.9 trillion at the time, while XRP’s valuation remained significantly smaller. Nevertheless, WisdomTree classifies both as Layer 1 payment networks despite their differing market narratives.
The resurfaced WisdomTree research reiterates XRP’s classification as institutionally oriented within payment infrastructure, renewing attention around XRP’s positioning in the digital asset market.
Also Read: Egrag Crypto Outlines 3 Possible Price Pathways for XRP Using Monthly Structure
