A single statement can reset an entire narrative. When former Ripple executive Dilip Rao clarified XRP’s true purpose, he drew a firm line between mass speculation and institutional adoption. His remarks have reignited debate over whether the future of cryptocurrency will be driven by everyday traders or by the heavyweight financial institutions that move billions across borders. The Summit Exchange The discussion returned to the spotlight after crypto commentator John Squire shared a video clip on X from a panel at the Global Islamic Economy Summit. During the session, moderator Serhat Yildirim asked: “Many people are using cryptos just to buy and sell and make quick gains out of it. Does it hurt the growth of cryptocurrencies that they are used for a quick buck?” Ex-Ripple exec Dilip Rao says it plain: #XRP isn’t designed for the crowd. Each token = digital gold in the new system. pic.twitter.com/WQTwAEm7IJ — John Squire (@TheCryptoSquire) September 20, 2025 Rao’s response was both candid and revealing: “So it’s chicken and egg, you have to create a marketplace, and right now we have a hundred fifty to two hundred exchanges around the world that trade XRP, a lot of it as you say is very shallow, trading by individuals, and that is not the use case that we are pursuing. What we are pursuing is the use of XRP as a financial asset by sophisticated institutions as a bridging mechanism.” “So does this hurt the humble? It creates a lot of noise, and you know. We certainly don’t want that much noise, but we’re waiting. For example, in the last quarter, the bulk of XRP sales were institutional investors. As this transitions from retail to institutions, we will start to use it for wholesale, you know, financial usage. That’s when the turning point comes.” Rao concluded. Rao’s response underscores Ripple’s clear strategy. The “chicken and egg” reference acknowledges that retail trading helped create the initial marketplace and liquidity. Yet by describing most of that trading as “very shallow,” he makes it clear that speculative buying and selling may grab headlines but contribute little to the deep, dependable liquidity that true institutional adoption requires. Institutional Utility Over Retail Speculation Rao’s emphasis on “sophisticated institutions” reveals Ripple’s long-term vision for XRP as a wholesale bridge currency—a digital asset designed to move value between banks, payment providers, and global clearing systems. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Short-term retail speculation, he implies, is a distraction from this core mission. Ripple aims for a mature market where institutional investors provide liquidity and use XRP for high-volume, cross-border settlement. Market and Community Reaction The resurfaced comments sparked strong reactions within the XRP community. Supporters view Rao’s remarks as confirmation of the “digital gold” narrative, where each token becomes a key component of a new institutional financial system. Critics worry that sidelining retail users could limit market depth and slow organic growth. Still, Rao’s statement aligns with Ripple’s established strategy of building enterprise-grade payment corridors and forging partnerships with major banks and financial institutions . The Bigger Picture By drawing a sharp contrast between retail speculation and institutional utility, Dilip Rao refocused attention on XRP’s original mission: serving as a bridge asset for global finance. Whether retail traders ultimately benefit from this strategy will depend on how successfully Ripple integrates XRP into the infrastructure of international payments- a future where liquidity is provided not by casual traders, but by the world’s largest financial players. 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 Ex-Ripple Exec: XRP Isn’t Designed for the Crowd appeared first on Times Tabloid .
