Pundit Says This Is Why I’m More Bullish on XRP and XLM Than Ever Before

Crypto commentator X Finance Bull has outlined a detailed case for why XRP and XLM could benefit from the ongoing modernization of global financial systems.

In a recent post, the commentator argued that major institutions are gradually moving away from outdated payment infrastructure and adopting blockchain-based systems for more efficient cross-border transactions.

According to the post, XRP and XLM were created with a shared objective: improving international payments by reducing costs, increasing speed, and making transfers more accessible. X Finance Bull connected that use case directly to growing institutional adoption and rising interest in tokenized financial products.

Ripple’s Expanding Institutional Network

A large portion of the commentary focused on XRP and Ripple’s enterprise infrastructure. X Finance Bull pointed to Ripple’s connections with more than 300 financial institutions operating across over 60 markets worldwide. The post referenced several partnerships and integrations that supporters believe strengthen XRP’s long-term position within global finance.

Among the examples mentioned was SBI Holdings, which reportedly uses XRP-powered remittance services through a network of 26 partner banks in Japan. The post also highlighted Standard Chartered and its Zodia Custody platform, which utilizes Ripple-owned Metaco infrastructure.

The commentary further noted that Santander has worked with Ripple on blockchain payment initiatives since 2018. Another example involved Mastercard, which recently participated in a tokenized Treasury settlement transaction on the XRP Ledger alongside JPMorgan Chase and Ondo Finance.

X Finance Bull also emphasized Ripple Treasury’s reported processing volume of $13 trillion last year. The commentator argued that XRP and RLUSD are now becoming integrated into that infrastructure, potentially positioning the network for increased blockchain-based settlement activity in the future.

The post additionally referenced statements from Brad Garlinghouse, who previously predicted that 30% of global financial transactions could move on-chain within five years.

Stellar’s Role in Digital Asset Settlement

The commentary presented XLM as a major participant in the push toward modern payment systems. X Finance Bull stated that Stellar’s network has increasingly been used for remittances, digital asset transfers, and international settlement services.

The post also highlighted IBM and its World Wire payment platform, built on Stellar technology. It also noted Circle choosing Stellar as one of the primary networks for USDC issuance and settlement.

Another example involved MoneyGram, which integrated Stellar-based services to support crypto on- and off-ramp access across more than 200 countries. X Finance Bull also referenced Visa’s exploratory work involving Stellar for USDC settlements.

The post further noted that Franklin Templeton deployed a tokenized money market fund on Stellar. He described the move as a sign of growing institutional confidence in blockchain-based financial operations.

Focus on Cross-Border Payments and Regulation

X Finance Bull concluded by arguing that XRP and XLM are well-positioned because of their regulatory standing and technical design. The post stated that both assets have been classified as digital commodities by U.S. regulators and are compliant with the ISO 20022 messaging standard used in financial communications.

The commentator linked those developments to the future of cross-border payments, a market projected to approach $1.4 quadrillion by 2030. According to the post, while traditional correspondent banking systems remain expensive, slow, and inefficient, blockchain networks such as XRP Ledger and Stellar aim to offer a faster and more transparent alternative.

X Finance Bull ultimately presented XRP and XLM as two digital assets increasingly aligned with the direction institutional finance appears to be taking as tokenization and blockchain settlement continue to expand.

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 advised to conduct thorough 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.

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