One simple question from a major voice in crypto has sparked a fresh wave of debate in the XRP community.
Scott Melker, widely known as The Wolf of All Streets to over 1 million followers, publicly questioned the current pitch for XRP. He emphasized that his inquiry was genuine and not intended to be provocative, seeking to understand the utility XRP offers today, especially as major financial institutions increasingly adopt other networks.
Melker highlighted recent developments, such as Western Union launching a stablecoin on Solana and SWIFT collaborating with Linea on Ethereum. He posed the question of XRP's position in the market if stablecoins are now dominating the payments narrative.
This inquiry rapidly gained traction across Crypto X.
A response from a member of the XRP community was later praised by Melker as "far and away the best response" to his question. This particular reply focused on the long-term vision and structural capabilities of XRP, rather than relying on hype or price predictions.
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
The response explained that the argument for XRP is not solely based on its current adoption but on the inherent capabilities of the XRP Ledger. As a native asset on its own network, XRP serves as a foundational liquidity source for settlement without counterparty risk, a role distinct from stablecoins which merely represent traditional currencies. The network's functionality is intrinsically linked to XRP.
The reply also touched upon a sentiment common among proponents of various cryptocurrencies: that market valuation often reflects future expectations and narrative more than immediate adoption rates. XRP supporters contend that there is a significant disparity between the asset's proven reliability and its current market valuation.
Furthermore, the user cautioned about the potential hidden fragilities of stablecoins. These include their reliance on underlying assets, the risk of depegging, the absence of federal insurance protection, and the broader threat of global currency debasement. While stablecoins may serve as functional tools, they may not fulfill the investor desire for long-term purchasing power and participation in a new financial system.
XRP, the argument continued, still holds the potential to fulfill these objectives, with its technology, community, and decentralized foundation already established. The primary missing elements are time and large-scale real-world integration.
Melker commended the response for its candor regarding the present situation while simultaneously articulating a compelling vision that justifies holding XRP for the long term.
"If this vision is realized, it would be incredible," he stated in subsequent comments on X.
For XRP holders, this represents the core belief: as the traditional financial system faces increasing strain, the cryptocurrency designed to modernize outdated infrastructure may finally ascend to the role it has been developing for over a decade.

