XRP Positioned for Institutional Settlement as Crypto Shifts Toward Core Financial Infrastructure

On 9 January 2026, Asheesh Birla outlined how crypto is evolving from speculative trading toward serving as financial infrastructure, with XRP positioned for institutional use. He argued that XRP’s design for cross-border settlement, liquidity, and programmable treasuries aligns it with emerging regulatory standards and enterprise-grade tooling. In this view, long-term adoption will favor networks that integrate quietly into global financial systems rather than those driven by retail hype.