Why hasn't the crypto market valued XRP yet?

XRP is not just a currency - this asset is designed to solve a very real problem: slow and expensive international money transfers.

**The main idea:**
In the traditional financial system, transferring money between countries takes days and goes through multiple intermediaries with high fees. XRP cuts through these steps – near-instant settlement, low fees, less funding for frozen cash.

**The problem: the market focuses on speculation, not true value**

• Investors are only looking at short-term prices
• The stable price of XRP = is considered "weak" rather than stable.
• Financial institutions are testing it in secret, but the market does not know.

**Indicators suggest that XRP is undervalued:**

Low NVT ratio = high transfer volume relative to market value (Low evaluation guide)

Low MVRV Z-Score = trading below fair value

**What awaits XRP:**

1. **Regulatory Clarity** - When governments and central banks officially declare XRP, institutions will rush to invest.

2. **ETF Funds** - Once the ETF for XRP is launched, this opens the door for millions of retail investors.

3. **Tokenization (Tokenization)** - When real assets (such as real estate and bonds) start to be transformed into digital tokens, XRP will be the preferred intermediary.

**Summary:**
XRP today = like gold before it spread in the crypto market. The value is there, the infrastructure is there, but the market has not awakened yet.