Ripple Executive Says XRP Was Built for Institutions, Not Retail Traders

One of the former senior Ripple executives said that XRP was not a retail trading currency. According to Dilip Rao, the leader of the infrastructure innovation at Ripple, the asset is designed to serve massive financial systems. He referred to XRP as a bank currency. He paid attention to its contribution in cross-border settlements and stressed the fact that institutions needed speed, reliability and liquidity. Also, he positioned XRP as a fundamental protocol of the world payments, rather than a gambling tool of common traders.

XRP IS NOT FOR RETAIL 👀🔥

Former Global Head of Infrastructure Innovation at Ripple, Dilip Rao, confirms it clearly.#XRP was built for infrastructure, not speculation.

Every single $XRP will be treated like GOLD 💰 pic.twitter.com/GBRbA3pfn0

— John Squire (@TheCryptoSquire) January 23, 2026

Rao claimed that the retail speculation generates unwarranted market noise. According to him, short-term trading is a wrong approach to XRP. He said that the volatility in price confounds real utility. He pointed out that banks are concerned with efficiency, rather than price charts. According to him, institutions would love foreseeable systems. He placed XRP as financial plumbing, for no hype-driven profit.

XRP Institutional Adoption

Most XRP sales turned out to be to institutions, as disclosed by Rao. He said that financial companies use XRP as wholesale liquidity. He claimed that banks use it as a settlement asset and also likened its future position to digital gold. Hence, also postulated that infrastructure assets are not valuable on speculation, but through use. He proposed that the future applicability of XRP will be pegged on the adoption by enterprises.

This was a video of a conference held in 2018. It was resurfaced by crypto users in 2026. Influencers published it in opposition to retail stories. They applied it to strengthen the institutional branding of XRP. The time was coincidental with a renewed focus on practical applications of blockchain. Consequently, the clip achieved new momentum although it is old.

Mixed Response of the Community

Rao was in support of his message by some of the users. Banks were agreed to be the first targeted by XRP. They claimed retail hype has a deleterious effect on credibility. Others criticized the clip. They called it outdated. They raised the question of whether institutions take control of XRP usage in the present day. There were allegations that there were old content promoters recycling old content. Nevertheless, the controversy made people interested in the initial design philosophy of XRP.

A wider conceptual change within the crypto realm is brought out. Increasing numbers of investors are paying attention to utility. They appreciate networks that address real issues. They give more precedence to enterprise usage compared to memes. XRP qualifies as a settlement layer. The message is clear whether retail traders are ready to accept this role or not. XRP tries to work as a power of financial systems, but not a trading chart.