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Reports have circulated across social channels this week after a prominent XRP commentator warned critics that they may be underestimating the token's long-term role in finance. Related Reading: 5,606 Bitcoin: Lightning Network Sets Fresh Capacity Record According to a post on X by user UnknowDLT, XRP's place in global payment rails was "planned more than a decade ago," and the token could one day become "the most valuable asset in the world," a claim that has stirred both debate and disbelief. Community Voice Turns Loud Supporters in the XRP community have long argued that market prices miss bigger shifts. Based on reports from prominent community accounts, followers say short-term trading noise hides structural moves that could lift demand for XRP over many years. One commentator, X Finance Bull, has suggested that Ripple's escrow -- which holds 34.4 billion XRP -- will act as locked liquidity for banking corridors and institutional use, not as stockpiled supply destined for retail dumps. The world is NOT ready for what is coming for XRP. It was planned more than a decade ago, it is going to be the most valuable asset in the world. There will be war for your XRP. People keep laughing at XRP. They will end up crying for life, the end will be tragic for them. -- {x} (@unknowDLT) December 15, 2025 Regulatory Moves And Institutional Aims Ripple's recent regulatory steps are central to the bullish case. Reports have disclosed that the company received conditional clearance from the Office of the Comptroller of the Currency to pursue a national trust bank charter, and that it is seeking a Federal Reserve master account. Community analysts argue those developments, if fully realized, would move Ripple closer to mainstream financial plumbing and could change how markets view token supply and institutional demand. $XRP HOLDERS 🚨🚨🚨 If you're thinking about selling your $XRP right now, THINK AGAIN! Remember this? Brad Garlinghouse confirmed the CLARITY Act is expected in early 2026. That's not a maybe. That's a countdown. And when it passes, Ripple will be forced to declare the fate of... https://t.co/s1E2KnarnM pic.twitter.com/C4xAcKDltR -- X Finance Bull (@Xfinancebull) December 15, 2025 Some supporters also point to a possible US Clarity Act as a legal milestone, with a timeline floated by some voices for passage in the first half of 2026. Tokenization And Big Numbers Analysts and company projections are being used to sketch wider potential. Ripple has suggested the tokenization market could grow to $19 trillion by 2033. Other commentators take that figure and run scenarios: if a slice of that activity used the XRP Ledger, price forecasts can balloon -- with one cited bullish figure at $189 per XRP under high-adoption cases. Some community voices expect large-scale tokenization momentum to build between 2026 and 2027, which they say would favor high-throughput ledgers like XRP's. Related Reading: Ethereum Meets Wall Street: JPMorgan Rolls Out Tokenized Fund Numbers And Forecasts Not everyone shares the same optimism. Several firms mentioned by community members put much lower targets on XRP, with conservative models forecasting prices under $30 by 2030. Other professional models place $100 XRP well beyond the next decade. Traders and investors are left to weigh three competing threads: legal clarity, technical capacity, and whether escrowed holdings will be used for institutional flows rather than sold. Featured image from Unsplash, chart from TradingView