‘XRP Could Flip Bitcoin,’ Exec Said: 4 Reasons Why Investors Are Buying

Ripple Chief Technology Officer Emeritus David Schwartz last week said XRP could eventually overtake <a href="https://xpertsstudio.com/how-much-bitcoin-does-an-iphone-cost-8-years-of-btc-vs-iphone/” title=”How Much Bitcoin Does an iPhone Cost? 8 Years of BTC vs iPhone”>Bitcoin by market value.

It seems like investors have heard him.

The XRP Bull Case

XRP(CRYPTO: XRP) is attracting institutional capital as investors bet the XRP Ledger can become a major settlement network for stablecoins, tokenized assets and cross-border payments.

U.S. spot XRP exchange-traded funds pulled in $18.98 million over three sessions through Sept. 10 as Bitcoin(CRYPTO: BTC) and Ethereum(CRYPTO: ETH) funds lost a combined $479 million, Benzinga reported.

The investment case, according to 21Shares, rests on four factors: regulatory clarity, easier institutional access, measurable network activity and a fixed supply.

Reason 1: Regulatory Risk Has Eased

The Securities and Exchange Commission’s case against Ripple ended in August 2025, removing a legal cloud that had followed XRP since December 2020.

That outcome matters because XRP targets banks, asset managers and payment companies—the institutions least likely to allocate while its regulatory status remained disputed.

XRP still faces the volatility and adoption risks attached to major altcoins, but U.S. investors no longer face the same unresolved securities question.

Reason 2: XRP ETFs Open The Institutional Door

Seven U.S. spot XRP ETFs launched beginning in November 2025, collecting $1.3 billion during their first month and recording 55 consecutive days of net inflows.

The funds remained positive through the first half of 2026 despite crypto market weakness. Recent flows also show demand holding up while investors pull money from Bitcoin and Ethereum products.

Institutional interest remains two-sided. Goldman Sachs Group Inc.(NYSE:GS) disclosed a $153.8 million XRP ETF position for the fourth quarter of 2025 before exiting it during the following quarter.

Reason 3: XRP Ledger Activity Is Growing

The XRP Ledger moved nearly $500 billion in on-chain value over the past 12 months, according to the investment thesis

Other adoption metrics include:

• Ripple’s RLUSD stablecoin grew from $72 million to about $1.6 billion.
• Tokenized assets on the network reached approximately $4 billion.
• Multi-Purpose Tokens allow issuers to build compliance rules directly into assets such as tokenized bonds.

Schwartz’ quote that XRP could eventually overtake Bitcoin by market value if the broader digital asset market expands is not a forecast. But if the XRP Ledger continues to capture value, it could become a possiblity.

Reason 4: Fixed Supply Does Not Guarantee Value Capture

XRP’s maximum supply stands at 100 billion tokens, with no ongoing inflation schedule. Transaction fees permanently burn a small amount of XRP, with more than 14 million tokens destroyed to date.

But network growth does not automatically drive token prices higher. Institutions can use the XRP Ledger while holding XRP briefly—or avoid the asset entirely when using stablecoins and tokenized products.

That makes XRP a bet on two outcomes: blockchain-based settlement reaching scale and that activity creating lasting demand for the native token.

Read Also: Ethereum Taps $2,600 For First Time In 7 Months: What Is Happening?

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