A popular online crypto analyst has issued a blunt warning to XRP holders, arguing that Ripple Labs is thriving while its associated token is “priced completely garbage.”
In a recent video, Fire Hustle says Ripple’s business fundamentals and firm valuation have surged, but the value captured by XRP holders has not followed — and may never do so under the current model.
Ripple Buybacks, Big-Name Partnerships: XRP Holders “Get Nothing”?
The analyst highlights that Ripple is now worth around $50 billion and recently spent roughly $750 million buying back its own shares. That capital, they stress, flows to Ripple’s equity investors, not to XRP holders. “You holding XRP? Well you get nothing from that buyback,” the commentator says.
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According to Fire Hustle, Ripple’s technology stack is seeing real-world traction. The analyst cites Deutsche Bank using Ripple tech and Mastercard routing transactions through Ripple infrastructure. They also point to over $100 billion in total transactions processed on Ripple-related rails as evidence the company is “crushing it” on almost every operational metric.
Yet XRP’s market performance has sharply diverged from that success, she notes. The token has fallen from a peak of about $3.65 to “under $2,” and is described as being “down massively this year,” despite the company’s improving fundamentals and expanding institutional relationships.
Stablecoins Dominate The Banking Game, Ethereum Wins The Fees
The core of the critique is structural. Banks and institutions, the analyst argues, can tap into Ripple’s payment and settlement infrastructure without actually holding XRP. Instead, they can settle in RLUSD — a Ripple-linked stablecoin — which offers price stability that XRP does not.
“If you’re a bank treasurer, you prefer certainty,” the host says, framing XRP’s double-digit intraday price swings as a deal-breaker for institutional treasuries. Volatile tokens, they add, “lose to stablecoins in institutional adoption.”
The video goes further, claiming that around 80% of RLUSD activity is on Ethereum. In that setup, the fees, network usage, and compounding ecosystem effects accrue more to Ethereum than to XRP. “Ripple thrives. XRP bleeds.
“That’s the disconnect,” the analyst concludes, urging viewers who hold XRP to recognize the gap between the company’s success and the token’s role.
For crypto investors, the takeaway is less about day-to-day price action and more about incentive design.
If major enterprises can benefit from Ripple’s rails while routing value through stablecoins and Ethereum, XRP’s long-term investment case may hinge on whether that “disconnect” can realistically close — or whether the token remains structurally sidelined in the very system it helped popularize.
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People Also Ask:
According to the analyst, not at the moment. The $750 million buyback currently benefits Ripple shareholders, not XRP holders.
The video claims they can, primarily by settling with RLUSD, a stablecoin integrated into Ripple’s system.
The commentator says about 80% of RLUSD activity lives on Ethereum, so gas fees and ecosystem growth accrue to ETH, not XRP.
That Ripple’s business continues to grow while institutions largely avoid using XRP, leaving the token disconnected from the company’s success.
