Web3 investor Jake Claver outlined what XRP needs before banks can rely on it for large settlements. He gave the example of a $50 million transaction between two banks. That transaction requi
Web3 investor Jake Claver outlined what XRP needs before banks can rely on it for large settlements. He gave the example of a $50 million transaction between two banks.
That transaction requires enough liquidity in the pool to absorb the volume “without moving the price,” Claver said.
He tied that requirement directly to Ripple’s business model. “Ripple doesn’t just want XRP to be valuable, they need it to be,” he wrote. Claver explained that institutional adoption helps the network scale. He said the trend isn’t just good news for token holders.
For XRP to work as a bridge currency between two banks settling a $50 million transaction, it needs enough liquidity in the pool to handle that transaction without moving the price
Ripple doesn't just want XRP to be valuable, they need it to be
Institutional adoption isn't just…
— Jake Claver, QFOP (@beyond_broke) August 10, 2026
An X user, Nomad, rejected the idea that banks would hold XRP at all. He said the asset gets “traded back and forth with no fee” between institutions, with “no one actually holding” it.
Another X user, hullbail, focused on utility rather than price. He said XRP isn’t built around simple dollar math. He wrote that the token “can’t be cheap” because heavy use would deplete available supply quickly. He described the calculation behind XRP’s utility limit as more difficult to work out than understanding the universe.
Commenter SkySoldier1021 questioned why banks would use XRP over Ripple’s stablecoin. He asked why institutions “won’t just use RLUSD instead of XRP,” arguing that XRP isn’t settling transactions today.
Commenter corthessler raised a separate concern about timing. He said the requirement Claver described exists, but nobody can attach a date to it. “It needs to happen,” he wrote, adding that the uncertainty over timing leaves the community waiting.
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Claver’s original post ties XRP’s usefulness as a bridge currency to a specific liquidity threshold, not to speculative demand. The comments on his post show a divide among community members. Some, like hullbail, accept the premise that heavy institutional use limits supply and pushes value up.
Others, like Nomad, argue the bridge currency model prevents banks from holding XRP long enough to affect price. SkySoldier1021’s comment adds a competing question about which Ripple product banks would choose for settlement. RLUSD, as a stablecoin, functions differently than XRP in a settlement pool.
Claver has not published a date for when banks might begin using XRP at the scale his post describes. His $50 million example sets a benchmark for what that liquidity requirement would look like in practice, without specifying when banks might reach it.
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