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Crypto Insight UK used the first post-cut trading day to reframe the XRP narrative around what he calls the difference between utility and speculation, arguing that the latest burst of institutional developments does not automatically validate $100 dreams. While welcoming macro and regulatory tailwinds, he cautioned that euphoria often front-runs fundamentals and urged disciplined profit-taking if XRP reaches what he considers this cycles plausible range.
Dont get caught in the trap of thinking when it starts to send that its going to go to $100 or $200 or $50 straight away, he said, adding that, should XRP push into double digits, Im going to be taking a significant amountprobably towards 80%of my portfolio off the table.
The macro backdrop he keyed on was the Federal Reserves 25-basis-point rate cut on Sept. 17 and Chair Jerome Powells guidance that more easing is possible this year. Risk assets whipsawed on the headlines before settling, with markets now handicapping further cuts into year-end. For the analyst, the decision was pretty much a nothing burger in isolation, but it sharpened the focus on micro drivers inside cryptonamely flows and policy.
On policy, he highlighted what may prove the most consequential regulatory pivot since US spot Bitcoin and Ether ETFs: the SECs approval of generic listing standards for spot commodity ETPs across major exchanges, a change that streamlines the path for crypto ETFs beyond BTC and ETH.
In the same sweep, the agency cleared Grayscales Digital Large Cap producta multi-asset ETP holding Bitcoin, Ether, XRP, Solana and Cardanosignaling a new phase for regulated crypto baskets.
He also pointed to deepening derivatives infrastructure. CME Group announced it will list options on Solana and XRP futures, extending regulated hedging tools beyond the BTC/ETH duopoly and potentially drawing new institutional basis and vol sellers into those order books.
Yet it was Ripples new institutional initiative that the analyst treated as the weeks sleeper story. Ripple, DBS and Franklin Templeton unveiled a plan to enable accredited and institutional clients to toggle between Ripples dollar stablecoin (RLUSD) and Franklin Templetons tokenized money-market fund (sgBENJI) on DBS Digital Exchangewith the bank exploring the use of sgBENJI as repo collateral and Ripples stablecoin as transactional grease.
Franklin Templeton will issue the sgBENJI token on the XRP Ledger. In his view, the significance is two-fold: a credible on-chain cash-and-collateral market and a concrete, regulated venue for RLUSD utility.
To underscore the potential scale, he cited RLUSD executive Jack McDonalds estimate that repo transaction volume is well into the 10s of trillions globally (nearly $12T in the US in 2024 itself). The analyst did not claim that flow will migrate wholesale to the XRP Ledger; rather, he framed it as an addressable ceiling for tokenized collateral markets if custody, compliance and counterparty rails mature around them.
The technicals in his rundown served more as risk-management context than price calls. He flagged Bitcoin dominances recent weakness as the tell for an early-stage altcoin rotation while noting that short-term structures remain choppy.
The analyst referenced BNBs push toward a 1.618 Fibonacci extension and observed that XRP, by his drawings, remains below a comparable extension levelthereby allowing for catch-up dynamics should capital rotate. He reiterated that speculation typically moves price further than utility does, at least initially, and cautioned that traders should not confuse institutional news with a settled valuation model for base-layer settlement tokens.
Where does that leave XRP? His thesis is deliberately conservative relative to social-media targets. He said he still believes utility is going to come, especially as US market-structure language evolves and institutional railsETFs, CME derivatives, tokenized cash and collateralproliferate. However, the analyst continues to uphold his long-stated thesis that the $12 region will mark the cycle top for XRP.
Until there is a widely accepted framework to price base utility for throughput, he intends to sell into strength if XRP hits his personal range for this cycle, keep a 10% moon bag above that, and reassess. The discipline, he argued, is psychological as much as mathematical: If you were afraid of losing $1,000 and its now worth $20,000, you should be 20 times more afraid of losing $20,000.
At press time, XRP traded at $3.03.