One simple question from a major voice in crypto has sparked a fresh wave of debate in the XRP community.
Scott Melker (better known to 1M+ followers as The Wolf of All Streets) publicly asked what the real pitch for XRP is today. He stressed he wasn’t trolling, but genuinely wondering what utility XRP currently delivers, especially as major financial institutions turn to other networks.
He pointed out Western Union launching a stablecoin on Solana and SWIFT working with Linea on Ethereum. If stablecoins are handling the payments narrative now, he asked, where does that leave XRP?
The tweet quickly went viral across Crypto X.
A member of the XRP community fired back with what Melker later called “far and away the best response” to his question. And interestingly, it didn’t rely on hype or price targets, but on the long-term vision still unfolding.
This is far and away the best response that I received to my questions about $XRP.
— The Wolf Of All Streets (@scottmelker) October 30, 2025
Which was not “engagement bait” but legitimate.
If this vision is realized, it would be incredible.
And he’s honest about current adoption vs. potential. https://t.co/8A11wW2v5I
According to the response, the case for XRP isn’t strictly about what’s happening today. It’s about what the XRP Ledger is structurally capable of, especially as an asset that sits at the very base layer of its own network. Unlike stablecoins, which only exist as representations of traditional money, XRP is a native decentralized asset; a core liquidity source for settlement without counterparty risk. In other words, the network doesn’t work without it.
The reply also acknowledged a truth many Bitcoin and Ethereum believers would agree with: in crypto, price often reflects narrative and future belief more than current adoption. XRP’s supporters argue that they see a massive mismatch between its proven reliability and its muted valuation.
Stablecoins, the user warned, come with hidden fragility – exposure to underlying assets, risk of depegging, no federal insurance protection, and the looming threat of global currency debasement. They may function as tools, but they aren’t what investors are here for: long-term purchasing power and participation in a new financial system.
XRP, they argued, still offers that potential; with the technology, community, and decentralization foundation already in place. The only missing piece is time and real-world integration at scale.
Melker praised the answer for being honest about where things stand today while still outlining a vision powerful enough to justify holding XRP for the long game.
“If this vision is realized, it would be incredible,” he said in follow-up comments on X.
For XRP holders, that’s the core belief – that as the traditional system strains under its own weight, the crypto designed to replace outdated rails could finally step into the role it has been building toward for more than a decade.
Read also: Fidelity, VanEck Rush Solana ETFs… But XRP Is Still Waiting
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