A recent post from crypto researcher SMQKE highlights documented evidence showing that blockchain-based settlement has already been tested within established banking environments. The material examines how distributed ledger technology has been applied to real financial operations, including letters of credit and interbank settlements, offering a concrete basis for assessing XRP’s role in institutional payment systems . Rather than promoting speculation, the post focuses on verifiable documentation to support the view that XRP’s utility in live payment flows carries long-term valuation implications. Further evidence that supports how XRP’s utility will drive future price appreciation. Next, the Payment Utility of XRP. XRP is designed to operate within global payment infrastructure. Ripple integrates with existing systems to improve speed, cost, and settlement… https://t.co/OQy7KVuOVJ pic.twitter.com/9yi7vHm3M3 — SMQKE (@SMQKEDQG) December 29, 2025 Blockchain Settlement as an Alternative Framework The document highlighted by SMQKE explains how a bank executed settlements with a counterparty using blockchain infrastructure, with the opening and execution of a letter of credit occurring on a public network. This example is presented in contrast to the existing SWIFT-based system, which dominates international bank transfers but carries structural limitations. These include high operational costs, reliance on intermediaries, and vulnerability to geopolitical pressure through potential disconnection of banks or entire countries. The material notes that such disconnections have occurred historically, reinforcing why financial institutions explore alternative settlement rails. Ripple’s Integration Model Within Banking Within this context, the document references Ripple as a company proposing improvements to cross-border settlement by connecting existing financial systems rather than attempting to replace them. According to the material, Ripple’s technology is positioned to work alongside traditional channels, enabling faster and more cost-efficient transfers while maintaining compatibility with established banking infrastructure. Although the system has its own digital asset, transactions themselves are not limited to a single currency, underscoring the network’s flexibility for institutional use. The document further explains that Ripple’s solutions are designed primarily for banks and large financial institutions, distinguishing them from crypto networks intended for retail payment substitution. Operational characteristics such as the absence of mining, low energy requirements, and predefined supply mechanics are presented as features aligned with institutional priorities. XRP’s Role in Payment Flow and Supply Dynamics From the payments perspective emphasized by SMQKE, the relevance of XRP lies in its direct use within settlement activity. The document outlines how a small amount of XRP is permanently removed from circulation with each transaction, preventing network abuse. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 While the quantities are minimal, the mechanism ties XRP usage to transaction volume, linking real payment activity to gradual supply reduction over time. SMQKE presents this as evidence that institutional settlement activity generates ongoing transactional demand rather than short-term trading interest. A related comment from another X user supports this perspective, noting that when price follows payment flow, it reflects a utility-driven system in which adoption builds steadily through consistent usage. Overall, the material presented by SMQKE positions XRP not as a speculative instrument, but as a functional component within an evolving global payment infrastructure, with documented usage forming the basis of its long-term value proposition. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Fresh Evidence Says Utility Will XRP Price appeared first on Times Tabloid .
