Here's Why XRP Could Be Repriced, According to Financial Expert

Source: CryptoNewsNet Original Title: Here’s Why XRP Could Be Repriced, According to Financial Expert Original Link: XRP continues to trade below the $2 level as bearish pressure weighs on the broader crypto market. Despite this weakness, some analysts argue that XRP remains highly undervalued, as the current value does not reflect its potential utility in global payments.

Amid these discussions, Dr. Kamilah Stevenson, a financial market and health expert, recently explained why XRP could eventually be repriced based on its function rather than market speculation.

In a video commentary, Dr. Stevenson said many investors misunderstand XRP because they evaluate it using the wrong framework. She argued that this mistake leads to frustration and confusion, especially during periods of price decline. To her, understanding what XRP was designed to do changes how investors should think about its value.

XRP Serves a Different Purpose Than Most Assets

Dr. Stevenson explained that many people treat XRP like a stock or growth investment, expecting price gains due to company performance. She said this actually misses the point. According to her, XRP does not represent ownership in Ripple, nor does it provide claims to profits or earnings.

Instead, XRP exists independently of Ripple’s business results. Whether Ripple performs well or poorly, XRP remains operational. This difference places XRP in a different category from equities or speculative investments.

According to Dr. Stevenson, XRP functions as infrastructure. Specifically, its value comes from its ability to move value efficiently within financial systems, not from narratives, hype, or short-term price movements.

How Institutions Think About Value

Speaking further, Dr. Stevenson then highlighted a major difference between retail and institutional thinking. Notably, retail investors often focus on price action, while institutions focus on capability and reliability.

She explained that large financial systems care about whether an asset can handle high transaction volumes, settle payments quickly, and operate smoothly during periods of stress. Essentially, institutions prioritize certainty, efficiency, and reduced risk over short-term returns.

The market expert added that financial systems fail when liquidity breaks down or settlement slows, not when prices fluctuate. In the financial scene, assets that reduce friction gain importance, while those that introduce delays lose relevance.

Why Price Often Moves Last

Speaking on XRP’s late response to developments, Dr. Stevenson noted that infrastructure assets do not reprice because of excitement. However, they reprice when systems need them. Before price changes appear, systems usually go through stages such as legal clarity, technical testing, and integration.

These developments often happen quietly and do not show up as sudden price spikes. However, once systems begin to depend on an asset, availability becomes critical, and valuation can change quickly.

She explained that stress often accelerates this process. When conditions worsen, systems stop prioritizing cost and start prioritizing reliability and certainty.

XRP Repricing Depends on Necessity, Not Predictions

Dr. Stevenson chose not to make any price predictions or timelines. Instead, she highlighted XRP’s potential in terms of readiness. The financial pundit believes XRP is ready to play a role when financial systems require speed, finality, deep liquidity, and legal clarity.

She stressed that XRP does not need a crisis to succeed over time. However, challenging conditions tend to reveal which assets are essential and which ones remain optional.

To her, XRP could be repriced if the system demands the capabilities it offers. This possibility explains why long-term positioning matters more than short-term price movement.

Dr. Stevenson also discussed how investors plan around XRP. She explained that different classes of investors set up their strategies based on how they understand XRP. Specifically, investors who see XRP as a trade focus on timing buys and sells.

However, investors who view XRP as a system asset think differently. Notably, these ones focus on long-term use cases such as collateral, borrowing, yield generation, and diversification without immediate liquidation.