Recently, a former Ripple employee made an interesting point. In an era where institutional funds are fully entering the cryptocurrency market, the rise and fall of Ripple's price are actually unrelated in essence.

Because moving forward, capital is seeking stable cash flow rather than price movements. By using delta-neutral strategies, whether XRP rises 50% or falls 50%, it can consistently generate an annual return of 8-15%. In other words, regardless of Ripple's price fluctuations, the system earns revenue from spreads, fees, and premiums.

This is a key point. Although the total market capitalization of cryptocurrencies is about $2 trillion, less than 5% of that is utilized for revenue strategies through DeFi. Most of it remains dormant or simply earns basic returns on centralized platforms. Meanwhile, institutional asset managers like BlackRock and PIMCO actively manage over 95% of their portfolios.

This gap is not a weakness but a huge opportunity.

Enter XRP. If a framework for financial-grade DeFi is realized, ordinary crypto holders will also be able to access institutional-level strategies without minimum amounts or intermediaries. Basis trading, covered calls, structured products—these were traditionally privileges reserved for ultra-high-net-worth individuals.

If Ripple's price can serve as collateral and generate stable returns independent of market direction, there is ample reason for institutional funds to flow in on a large scale. It doesn't matter whether the market is bullish or bearish.

The infrastructure is currently being built. The remaining question is who will be the first to ride this wave. And how ordinary holders will position their assets before the next capital influx.