Payment public chain breaks through policy bottlenecks, ETF popularity exceeds $1.3 billion—see how XRP transitions from hype to application

2026-01-12 09:20:09

Abstract generation in progress

【Crypto World】The tokens of payment-focused public chain projects are currently hovering around $2, but this time it seems different.

From practical applications, their progress in cross-border payments and banking clearing and settlement is accelerating. Compared to pure market speculation, institutions now pay more attention to real use cases. This shift is reflected in the data—the inflow of funds into related ETF products has already surpassed $1.3 billion, indicating that traditional capital is beginning to treat these projects as legitimate assets.

There are also new developments at the policy level. The U.S. Senate is pushing forward with relevant legislation, which, if passed, will clarify the legal status of crypto assets within the financial system. This is a positive sign for the entire payment sector, especially for projects that already have a real application foundation.

Overall, the prospects for payment applications are becoming clearer from ambiguity. The continued inflow into ETFs combined with policy expectations are gradually shifting these projects from pure speculation to long-term investment value.

XRP0,78%

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WalletDivorcer

· 9h ago

Are you telling stories again? A flow of 1.3 billion USD sounds impressive, but what about real application implementation? Is this time different? Didn't they say the same during the last hype? Haha

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MEVHunterZhang

· 01-12 09:50

Wow, finally someone is taking the application seriously, unlike those air projects that used to hype everything up. Institutions have invested 1.3 billion dollars, what does that mean? It means the old narrative of "our faith" really doesn't work anymore; now we need to speak with real substance. If the policies really get approved, the cross-border payment track will become quite interesting. But whether it works or not still depends on execution. From speculation to allocation, it sounds great, but the key is not to become the next "concept stock" again.

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GhostAddressMiner

· 01-12 09:50

1.3 billion in inflows look impressive, but have you checked the on-chain footprints of those wallet addresses? How many of the actual institutions that invested are there?

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SilentObserver

· 01-12 09:45

Finally, there is a real application, not just hype. This feels different. $1.3 billion has flowed in, institutions are starting to take it seriously. Policy breakthroughs + practical applications, now that's a clear prospect. From speculation to investment, we've waited too long for this shift. Is the payments sector really about to take off? I'm a bit excited. The signal of institutional entry can no longer be ignored.

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GateUser-2fce706c

· 01-12 09:33

I've said it before, this wave of payment public chains is the true wealth code. Now institutions are finally seeing that we're heading in the right direction... This time is different. Just look at the $1.3 billion ETF; traditional capital is also deploying, which shows that this is the general trend. With policy expectations and application implementation, those who seize this first-mover advantage will be far ahead in three years, with wealth vastly different.

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DevChive

· 01-12 09:33

$1.3 billion inflow indicates that some people really believe it, but it still depends on whether the policy hurdle can be cleared...

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OptionWhisperer

· 01-12 09:26

Buddy, 1.3 billion USD flowing in is definitely not a small number. Institutional entry is a signal. This time, it really seems different. I am optimistic about the shift from speculation to application. If the policy passes, the payment chain should take off, right? Honestly, compared to worthless coins that only go up and down, those with real use cases are worth paying attention to. Capital is not stupid. Since they dare to invest in ETFs, it means they have assessed the risks, and it's not pure gambling. Cross-border payments are indeed a necessity; banks will have to use it too. But still, caution is needed. Policy uncertainties are too great... Waiting to see the progress of the US legislation, that’s the key.

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