A recent post from longtime XRP advocate Zach Rector struck a nerve across the community, not because it was bearish, but because it was honest. After nearly 7 years of holding XRP, Rector argued that the biggest mistake many investors made was not believing in the asset itself — but believing adoption would happen on our timeline.
His message was direct. The vision around XRP, cross-border payments, and the so-called Internet of Value has not failed. What failed was the expectation that governments, central banks, and regulators would move quickly.
“We thought we would have seen mass adoption with regulations set by now,” Rector wrote, reflecting on how many XRP holders loaded up aggressively in 2020 and 2021, expecting clarity and institutional rollout to follow soon after.
Instead, the opposite happened. Regulators cracked down. The SEC lawsuit dragged on for years. Retail enthusiasm burned out. Even after Ripple’s partial legal victory, the broader market structure rules that XRP depends on are still not finalized.
Rector points to a recent BIS white paper on cross-border payments as evidence. According to the report, G20 nations are behind on their own targets, with key milestones now pushed toward 2027 and 2030. That lines up with what many macro observers have been saying quietly for a while: large financial systems do not pivot in crypto-style cycles. They move slowly, deliberately, and often years later than expected.
XRP Family,
— Zach Rector (@ZachRector7) December 29, 2025
Now that Christmas is over can we have an honest conversation? 2025 and really the past 7 years that I have been in XRP have taught me something I think it’s time for us all to accept. Central banks, governments and the “powers that be” are on a much different…
That doesn’t mean XRP’s role is shrinking. In fact, Rector argues the opposite. He maintains confidence that XRP is “the right asset,” backed by real infrastructure, real partnerships, and real utility. What he rejects is the constant stream of hype that fills the gap while people wait.
“In the meantime baseless hopium, fake narratives and people pretending to be insiders have to be left behind,” he wrote.
That point matters. Over the years, XRP has attracted a wave of exaggerated claims about secret deals, overnight price explosions, and imminent global takeovers. When those narratives fail (as they usually do) they damage credibility and exhaust long-term holders.
Rector’s argument is that XRP doesn’t need that anymore. There are enough tangible developments to discuss: regulated corridors, payment rails, institutional pilots, and a clear role within a tokenized financial system. The story is slower, but it is more durable.
The takeaway is not despair. It’s recalibration.
XRP may still see significant price appreciation. But expecting it to arrive on retail timelines, driven by hype cycles, has proven unrealistic. The path forward looks more like infrastructure adoption than a speculative rush.
For many in the XRP community, that realization may be uncomfortable. But it may also be necessary if the next phase of growth is going to be built on reality rather than hope.
Read also: Ripple Escrow News: Why January’s XRP 1B Unlock Isn’t a Shock
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