Analyst Reveals Core Logic of Holding XRP: Ripple's Institutional Layout and Talent Strategy

BroadChain BroadChain learned that at 04:46 on April 21, according to NewsBTC, while most crypto investors form their investment convictions through price charts and market cycles, the belief of renowned XRP analyst XRP Bags stems from a clear paper trail: Ripple has well-documented connections with nearly every major institution building the new financial system. In a widely circulated post within the community, he briefly explained why he has never wavered in holding XRP regardless of market conditions. The core lies in Ripple's unparalleled institutional access: it is the only crypto company invited to join the Federal Reserve's Payments Working Group, the only institution featured in the World Bank's "Better Than Cash Alliance" special report, and the first ISO 20022 member focused on distributed ledger technology. In July 2025, the Federal Reserve officially adopted the ISO 20022 standard for its FedWire funds service, requiring all financial institutions using FedWire to send and receive messages in the new format. Ripple had already joined the ISO 20022 standards body as early as 2020 and adjusted its infrastructure (particularly RippleNet) to comply with the standard. The analyst also pointed out that Ripple's seats in key institutions such as the International Monetary Fund's Fintech Advisory Committee, the World Economic Forum, the Digital Dollar Project, the Digital Pound Foundation, and the Digital Euro Association are reasons for his steadfast holding. Additionally, Ripple's talent strategy is equally crucial: it has recruited numerous individuals closely linked to former regulatory bodies, including former U.S. Treasury officials, former Federal Reserve lawyers, former SWIFT board members, former SEC chairs, former BlackRock digital asset executives, and former advisors to the Obama and Clinton administrations. The analyst believes these are individuals who were selected to participate in building the new financial system long before most people realized it was being constructed. In 2025, Ripple embarked on an acquisition spree, with total investments and strategic transactions nearing $40 billion, of which major acquisitions accounted for approximately $30 billion, aimed at consolidating the long-term value foundation of XRP. CEO Brad Garlinghouse stated that enhancing XRP's utility is the company's North Star, and some of last year's major acquisitions have already exceeded internal expectations.