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The chief executive of Canary Capital said XRP should no longer be judged as a speculative trade, arguing that its value needs to be viewed in the context of global financial infrastructure rather than short-term price targets.
Steven McClurg, who leads the U.S.-based asset manager, said institutional investors are focused on whether XRP can support trillions of dollars in real-world asset settlements, not whether the token trades at single-digit prices.
From speculation to infrastructure
McClurg said the market narrative around XRP has shifted as regulatory uncertainty has eased and institutions prepare for large-scale tokenization of assets such as bonds, real estate and private credit.
He described XRP as financial plumbing designed to move value efficiently and at scale, rather than a token driven by hype cycles. According to him, the focus is now on transaction capacity, reliability and liquidity depth.
Why price matters less to big money
McClurg said price levels that appear significant to retail investors look very different to institutions managing billions of dollars.
In his view, prices such as $5 or $10 per token are relatively small when measured against the trillions of dollars required to settle global real-world assets. For large allocators, the key issue is whether the network can handle constant, high-volume flows without disruption.
Wall Street familiarity
McClurg said XRP is already understood by major financial institutions and global capital markets because it is built for enterprise-grade settlement. He added that discussions with large firms are now centered on how quickly they can upgrade systems to operate at scale, rather than whether XRP fits their needs.
“XRP is an asset that most of Wall Street and the global capital markets understand. It is the infrastructure for the financial system built specifically for enterprise-grade settlement,” he said.
Limits and competition
He acknowledged that the XRP Ledger prioritizes efficiency and stability over experimental features. McClurg said this could be a disadvantage if markets prefer more flexible platforms, but said that institutions often value reliability over experimentation.
Looking ahead
McClurg said the gap between traditional finance and crypto is narrowing rapidly. He expects digital assets to become standard financial infrastructure, with XRP positioned as a settlement layer rather than a speculative instrument.
“By 2026, the distinction between crypto and finance will vanish. XRP will simply be the standard protocol for value, much like TCP/IP is for information,” he said.
According to him, the long-term discussion around XRP is less about dramatic price targets and more about its role in moving value across the global financial system.$XRP

Pi Network adds a 2025 Review feature, letting users see mining progress and milestones while debates continue around KYC delays.
Pi Network has introduced a new feature called “2025 Review” inside its mobile app. Users can find it on the home screen, placed next to the Chat icon. With a single tap, pioneers can now see a summary of their activity during 2025.
The goal of this feature is simple. It shows users how far they have come in the Pi Network. It highlights mining progress, participation milestones, and overall engagement within the ecosystem. Pi Network says this update is meant to celebrate community contributions from the past year.
What Users See in the 2025 Review
The 2025 Review gives a personalized snapshot of each user’s journey. It includes details such as how long they have been mining, key milestones reached, and their overall role in the network. For many users, this acts like a yearly report card for their Pi activity.
This kind of summary is common in popular apps. By adding it, Pi Network is trying to make the experience more engaging and easy to understand, even for users who are not deeply technical.
Timing After Mainnet Progress
This update comes shortly after Pi Network’s open mainnet launch in late 2025. That timing is important. The team appears to be reinforcing community trust by reminding users of their long-term involvement as the project moves into a more serious phase.
Along with the review feature, Pi Network also repeated a security warning. Users were reminded to use only the official Pi Wallet and trusted domains. This comes as scams targeting Pi users have increased due to the project’s growing visibility.
Mixed Community Reactions
While many users welcomed the new feature, reactions were mixed. Some pioneers enjoyed seeing their progress and felt recognized for their patience. Others were less impressed and used the update as a chance to voice frustration.
A large number of replies focused on pending KYC approvals and delayed migrations. These users argue that summaries and celebrations matter less until full access to mainnet features becomes smoother and faster.
Why This Update Still Matters
Even with criticism, the 2025 Review shows that Pi Network is focusing on user engagement. It helps keep millions of users connected to the app while development continues behind the scenes.
For newer users, the feature makes the project feel more real and organized. For long-time users, it serves as a reminder of how much time and effort they have already invested.
What to Watch Next
The real test for Pi Network will be what comes next. Users are now looking for faster KYC processing, clearer timelines, and stronger real-world use cases. If those improvements arrive in 2026, features like the 2025 Review may be seen as meaningful building blocks rather than distractions. $BTC

Ripple (XRP) is trading sideways above support at $2.00 at the time of writing on Tuesday. Recovery has remained elusive despite steady inflows into spot Exchange Traded Funds (ETFs), which have cumulatively attracted $1.23 billion.
Bitcoin (BTC), Ethereum (ETH) and the global cryptocurrency market saw a mild uptick on Tuesday following the release of the US Consumer Price Index (CPI) data for December. 
Cardano (ADA) is edging up above $0.40 at the time of writing on Tuesday, reflecting improving sentiment across the crypto market. ADA’s rebound from an intraday low of $0.38 has been fueled by improving optimism, following softer-than-expected core inflation in the United States (US).$ADA