XRP Price Performance vs Infrastructure Growth—Community's Structural Undervaluation Thesis

Source: CoinEdition Original Title: XRP Price Performance Vs Infrastructure Growth—Crypto Community’s View Original Link:

Overview

Members of the crypto community are increasingly arguing that XRP’s market price does not reflect what they describe as structural progress occurring behind the scenes of global payments infrastructure. The discussion gained traction after market observers highlighted what they characterized as a widening disconnect between XRP’s price performance and developments tied to cross-border settlement systems, tokenized assets, and interoperability standards.

Community observers noted the emergence of a “global value network” centered on neutral liquidity and fiat-to-fiat settlement. They referenced live RLUSD payment corridors, adoption of ISO-compliant rails, and ongoing upgrades by developed payment networks. According to the commentary, these developments are unfolding quietly and structurally, without immediate price recognition in XRP markets.

Infrastructure Developments Highlighted by Market Participants

Community discussions have highlighted that infrastructure linked to Ripple was developed ahead of broader market awareness. Ripple’s products utilize XRP, the XRP Ledger (XRPL), and RLUSD for settlement, with supporters noting that this architecture aligns with the ISO 20022 messaging standards already employed by major financial institutions.

Community members argue that statements from major payment infrastructure operators acknowledging that legacy payment systems are not designed for modern digital asset flows support this thesis. While XRP is not explicitly named in these communications, observers contend that Ripple’s existing infrastructure positions it to integrate with new standards without requiring custom bank-level integrations.

XRP Price Lagging Behind Payment Infrastructure Growth

Despite ongoing discussions around infrastructure progress, XRP’s price has continued to face pressure. At the time of analysis, XRP traded at $1.89, reflecting moderate daily gains after rebounding from lower levels. Trading volume increased significantly to $1.64 billion, indicating renewed market activity during the rebound.

Community arguments around undervaluation also reference network usage data. Ripple processed approximately $1.3 trillion in transactions during the second quarter of 2025.

Regulatory clarity has also been cited in valuation discussions following the August 2025 settlement between Ripple and the U.S. Securities and Exchange Commission, which determined that XRP secondary-market sales were not securities transactions. This regulatory development is viewed by some as a structural positive that has not yet been fully priced into the market.