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As XRP price struggles despite bullish ecosystem developments, a market pundit has urged investors to stop thinking about the token “in candles.”
For context, XRP’s price has continued to lag behind major progress within its ecosystem. Multiple bullish developments, such as the launch of XRP ETFs and Ripple’s conditional approval to move toward a banking charter, have emerged over the past two months.
XRP Down Despite Bullish Developments
However, XRP has not reflected these gains amid a broader market decline. Since October 2025, XRP has fallen by 39%, dropping below the $2 level to now trade around $1.87. This gap between ecosystem growth and price performance has led to concerns across the community.
Some community members believe the market has overlooked what is happening behind the scenes. Notably, they argue that recent developments may currently be setting up the foundation for XRP to witness long-term growth even if the price has not reacted yet.
XFinanceBul, one of the individuals who holds this sentiment, has encouraged investors to stop focusing on short-term price charts and start paying attention to how XRP moves through the financial system.
XRP at the Center of the US Financial Shift
In his latest commentary, XFinanceBull said the United States has begun integrating crypto into its financial system, and XRP is in a position to benefit.
Interestingly, he called attention to Caroline D. Pham, the acting Chair of the U.S. Commodity Futures Trading Commission, as a major figure in this change. The pundit believes her leadership supports a push to improve U.S. markets and bolster the country’s position in crypto and blockchain finance.
XFinanceBul highlighted regulatory changes from Pham that brought major updates to the U.S. market structure. These include support for spot crypto trading, the use of tokenized Treasuries, bonds, and money market funds as margin, and broader acceptance of crypto in derivatives markets. According to him, these steps move crypto into major financial systems rather than keeping it on the sidelines.
Notably, he centered his argument around collateral efficiency. He noted that Pham has described collateral as a major driver of financial improvement, with smoother settlement processes capable of saving trillions of dollars.
XFinanceBull believes XRP could assume a role in this setup because it was designed to move liquidity quickly and at low cost. He suggested that the U.S. financial system now needs a reliable liquidity layer, and XRP meets that need.
The US Regulatory Environment Has Improved
Speaking further, he also called attention to regulatory clarity that removed long-standing obstacles for XRP. Notably, regulators have reduced uncertainty that kept institutions away by stepping away from outdated crypto rules and updating guidance to better support the industry. XFinanceBull believes these changes allow ETFs, banks, and brokers to engage with XRP more freely.
As regulations improved, Ripple continued building its infrastructure. XFinanceBull spotlighted developments surrounding the firm, including the acquisition of GTreasury, the launch of Ripple Prime, Palisade, and the RLUSD stablecoin.
4/ Ripple’s infrastructure stack fits right into this
While policy shifts, Ripple already built the rails:
• GTreasury
• Ripple Prime
• Palisade
• $RLUSDThese are institutional tools designed for tokenized collateral, FX, and settlement.
Now the U.S. markets are finally… pic.twitter.com/w0hd0I05v1
— X Finance Bull (@Xfinancebull) December 14, 2025
He said these products support institutional use cases like tokenized collateral, foreign exchange, and settlement. To him, the market has finally caught up with what Ripple built years ago.
He stressed that XRP demand should focus on real use, not speculation. In essence, institutions can use XRP as margin, lock it as collateral, and rely on it to bridge currencies and stablecoins. He believes these repeated uses would create a steady demand that goes beyond price trading.
Stop Thinking About XRP in Candles
XFinanceBull also looked at the retail angle. Notably, reports confirm that Caroline Pham plans to join MoonPay as Chief Legal Officer. Interestingly, MoonPay already supports XRP and RLUSD worldwide, and XFinanceBull believes her experience could help connect retail access with institutional liquidity on the XRP Ledger.
In conclusion, the pundit insists that major market conditions now favor XRP. Specifically, XRP has legal clarity in secondary markets, Ripple continues to expand its infrastructure and stablecoin efforts, U.S. regulators have opened doors to crypto use, and retail platforms are ready to scale.
Considering these bullish developments, he urged investors to stop watching price candles and start watching flows, suggesting that they are already laying the rails. “Stop thinking about XRP in price candles. Start thinking in flows,” he said.