Usama Ebn Ayub

$XRP , the native digital asset of the XRP Ledger developed by Ripple Labs, was once seen as one of the most promising cryptocurrencies, particularly due to its utility in cross-border payments and financial institution partnerships. However, despite early momentum and a place among the top cryptocurrencies by market capitalization, XRP’s rise has significantly lagged behind others like Bitcoin ($BTC ) and Ethereum ($ETH ). This article explores the multifaceted reasons behind the delay in XRP's rise in the crypto market.
1. The SEC Lawsuit: A Cloud of Legal Uncertainty
Perhaps the most significant factor in XRP’s stagnation has been the lawsuit filed by the U.S. Securities and Exchange Commission (SEC) in December 2020. The SEC alleged that Ripple Labs conducted an unregistered securities offering worth over $1.3 billion by selling XRP.
Key Impacts:
Investor Caution: Many institutional and retail investors exited their positions or avoided XRP due to regulatory ambiguity.Exchange Delistings: Major exchanges such as Coinbase, Binance.US, and others suspended XRP trading, drastically reducing liquidity and exposure.Developmental Disruption: Ripple’s focus had to shift towards legal defense rather than ecosystem development or business expansion.
While parts of the case saw favorable rulings for Ripple in 2023, the overhang of legal uncertainty remains a deterrent to full market confidence.

2. Perception Issues and Market Sentiment
Despite its technical strengths, XRP has been the subject of skepticism within the crypto community. Critics argue that:
XRP is too centralized: Ripple owns a large percentage of XRP supply, and its periodic sales have been viewed as exerting selling pressure on the market.Lack of Transparency: Questions have been raised about Ripple’s control over the XRP Ledger and decision-making, compared to more decentralized networks like Bitcoin or Ethereum.Marketing vs. Adoption: Some believe that Ripple focused more on partnerships and marketing rather than encouraging grassroots or developer adoption of XRP as a programmable asset.
This sentiment has led to reduced community enthusiasm, especially among Web3 developers and DeFi innovators.

3. Macro Market Conditions and Shifting Narratives
The broader crypto market dynamics have also played a role:
Shift to DeFi and NFTs (2020–2022): The rise of decentralized finance (DeFi) and non-fungible tokens (NFTs) largely bypassed XRP. Platforms like Ethereum, Solana, and Avalanche captured the developer mindshare.Utility vs. Hype: While XRP focused on real-world utility (cross-border settlements), other projects capitalized on hype-driven narratives, memecoins, and experimental finance, attracting speculative capital.Bitcoin and Ethereum Domination: Institutional adoption and Bitcoin ETFs (approved in 2024) have diverted attention and capital toward Bitcoin and Ethereum as “safe bets” in the volatile market.

4. Technical and Ecosystem Limitations
Compared to smart contract platforms like Ethereum or Cardano, XRP lacks native smart contract capabilities (though solutions like Hooks and sidechains are being developed). This has led to:
Limited Developer Engagement: Without robust programmability, the XRP Ledger hasn’t attracted as many decentralized applications (dApps).Minimal DeFi Integration: The explosion of DeFi has mostly occurred outside of the XRP ecosystem, limiting its role in the most active crypto sectors.
Ripple has attempted to counter this with innovations like the XRPL EVM sidechain, but these efforts are still in early stages of adoption.

5. Tokenomics and Distribution Model
Ripple's XRP distribution has also caused friction:
Escrow Holdings: Ripple locked 55 billion XRP in escrow in 2017, releasing up to 1 billion XRP monthly. Critics argue this supply unlock can cap upside movement.Unclear Incentives: XRP doesn’t have the same mining or staking incentives as proof-of-work or proof-of-stake assets, leading to fewer reasons for users to hold the token long-term.Perception of Manipulation: Periodic sales by Ripple and affiliated parties are sometimes perceived as artificially affecting the price, eroding trust.

6. Regulatory Overhang Beyond the U.S.
Even outside the U.S., XRP has faced regulatory caution. Financial institutions often prefer to avoid tokens under legal scrutiny, especially when global regulatory frameworks for crypto remain in flux. As a result, Ripple’s goal of global adoption in banking networks has been slower than anticipated.
A Recovery Path?
While the rise of XRP has been delayed, it is not necessarily derailed. Several factors could catalyze a resurgence:
A complete resolution of the SEC lawsuit with XRP deemed a non-security in all contexts.Increased adoption of Ripple’s ODL (On-Demand Liquidity) service by financial institutions.Expansion of XRP Ledger capabilities, especially around smart contracts and DeFi.Renewed exchange relistings and broader regulatory clarity in jurisdictions like the EU, UK, and Asia.
XRP’s story is a complex one—rooted in a mix of legal, technical, market, and perception challenges. While other coins have soared on speculation and hype, XRP’s journey remains grounded in enterprise utility and legal precedent. Whether that approach pays off will depend on how Ripple and the broader crypto market evolve in the coming years.


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The recent surge in the Pakistan Stock Exchange (PSX), with the KSE-100 Index climbing nearly 9% on May 12, 2025, reflects a broader economic recovery fueled by a ceasefire with India, IMF funding, and improving macroeconomic indicators. This resurgence in traditional equities markets has implications for Pakistan’s nascent cryptocurrency market, which operates in a legal gray area but shows significant adoption. Below, we explore the connection between PSX growth and crypto markets, outlining the pros and cons of this market situation for investors and the economy.
Connection Between PSX Growth and Crypto Markets
Economic Stability and Investor Confidence:The PSX’s rally, driven by geopolitical de-escalation and IMF support, signals improved economic stability. This can spill over into crypto markets, as a stronger economy often encourages speculative investments like cryptocurrencies. Posts on X suggest Pakistan’s crypto push, with regulatory clarity and strategic advisors like Binance’s CZ, is fueling institutional and retail interest, potentially amplifying capital flows into digital assets.A bullish PSX may attract foreign investors, some of whom could diversify into crypto, especially if Pakistan progresses toward a clearer regulatory framework, as proposed by the Securities and Exchange Commission of Pakistan (SECP) in 2020.Portfolio Diversification:The PSX’s growth highlights its role in portfolio diversification, with sectors like energy and banking driving gains. Cryptocurrencies, uncorrelated with traditional markets, offer another diversification avenue. Forbes notes that crypto’s price movements often differ from stocks, potentially stabilizing portfolios when equities falter. However, a study on South Asian markets indicates cryptocurrencies like Bitcoin and Ethereum can negatively impact stock market performance, suggesting complex interplays during volatile periods.Remittances and Blockchain Adoption:Pakistan’s $34 billion remittance inflow in 2024 is a critical economic driver. Crypto-based transfers, with lower fees (near zero compared to 7% for traditional methods), could gain traction if PSX growth reflects broader financial modernization. Platforms like Strike and $USDC -focused apps are already facilitating fast, low-cost remittances, potentially integrating with Pakistan’s fintech ecosystem.The PSX’s digital infrastructure, such as automated trading and the PSX Data Portal, aligns with blockchain’s potential to streamline financial services, encouraging crypto adoption for remittances and beyond.Speculative Capital Flows:The PSX’s volatility, exemplified by its 6,482-point drop on May 8, mirrors crypto’s price swings. Investors comfortable with PSX volatility may be drawn to crypto’s high-risk, high-reward profile. Chainalysis reports Pakistan’s crypto ownership at 9 million people (4.1% of the population), with $20 billion in holdings, indicating a ready investor base.Geopolitical and Currency Risks:Posts on X highlight that geopolitical tensions, like those preceding the ceasefire, increase demand for stable coins and cold wallets as hedges against rupee devaluation. A recovering PSX may reduce this urgency, but crypto remains a hedge against potential future instability, especially given Pakistan’s external debt pressures noted by Moody’s.
Pros of the Current Market Situation
Economic Growth Synergies:PSX growth signals macroeconomic recovery, creating a fertile environment for crypto adoption. A stronger economy could support blockchain startups, tokenized real estate, and NFT marketplaces, as suggested by ProPakistani, fostering innovation and job creation.Increased foreign direct investment in PSX could spill into crypto if Pakistan establishes regulatory clarity, attracting global firms like those in the UAE.Financial Inclusion:With 100 million unbanked adults, crypto’s accessibility via smartphones (noted by ProPakistani) can democratize finance. Decentralized finance (DeFi) tools enable remittances, credit access, and value storage without traditional banks, complementing PSX’s role in capital formation.Remittance Efficiency:Crypto’s low-cost, near-instant transfers could save Pakistan millions in remittance fees, as seen in El Salvador’s $400 million savings. This aligns with PSX’s liquidity-enhancing role, strengthening the economy.Diversification Benefits:Crypto’s low correlation with PSX equities allows investors to balance portfolios. A rising PSX provides stable returns, while crypto offers speculative upside, appealing to risk-tolerant investors.Global Investment Appeal:Pakistan’s crypto push, backed by deals like the PCC’s MOU with World Liberty Financial, could position it as a blockchain hub, attracting foreign capital akin to PSX’s $87 million foreign inflows in 2024.
Cons of the Current Market Situation: $ETH $XRP

Regulatory Uncertainty:Crypto exists in a legal gray area in Pakistan, with banks banned from facilitating transactions since 2018. This contrasts with PSX’s regulated environment, deterring institutional investors and exposing retail traders to risks like account freezes.Volatility and Financial Risk:Crypto’s extreme volatility, exemplified by Bitcoin’s swings from $65,000 to $20,000, mirrors PSX’s recent turbulence but is less predictable. Market crashes, like the 2018 crypto crash, could wipe out billions, a concern for Pakistan’s retail-heavy crypto base.Illicit Activity Risks:The State Bank of Pakistan warns that crypto’s anonymity enables fraud, money laundering, and extortion, posing financial stability risks. Unlike PSX, which is overseen by the SECP, unregulated crypto exchanges lack oversight, increasing counterparty risks.Limited Financial Literacy:Pakistan’s low financial literacy, noted by ProPakistani, makes investors vulnerable to Ponzi schemes and scams, as seen with the PSlash fraud swindling Rs5.6 billion. This contrasts with PSX’s structured investor education efforts.Religious and Cultural Barriers:Debates over crypto’s permissibility under Islamic law could hinder adoption, unlike PSX’s Shariah-compliant indices (e.g., KMI 30), which cater to cultural norms.
Conclusion:
The PSX’s growth in May 2025, driven by geopolitical stability and IMF support, creates a favorable backdrop for Pakistan’s crypto market by boosting economic confidence, encouraging diversification, and highlighting the need for financial modernization. Crypto offers significant benefits, including remittance efficiency, financial inclusion, and portfolio diversification, aligning with PSX’s role in economic growth. However, regulatory gaps, volatility, and risks of illicit activity pose substantial challenges, necessitating cautious policy-making and public education.
To maximize benefits, Pakistan could emulate the UAE’s clear regulatory framework while launching Urdu-language literacy campaigns on platforms like TikTok, as suggested by ProPakistani. Investors should approach crypto with caution, leveraging PSX’s stability for core investments while allocating smaller portions to crypto for speculative gains, always consulting financial advisors. For the latest PSX data, visit dps.psx.com.pk, and for crypto insights, platforms like Binance or Paxful offer P2P trading options suitable for Pakistan’s market.

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Let’s set the record straight—because rumors are flying that Donald Trump $TRUMP “blacklisted” $XRP . Before anyone dumps their holdings or fuels the conspiracy machine, let’s walk through what really happened.
Where It All Began: A Truth Social Post
On March 2, 2025, former President Donald Trump posted a surprise update on Truth Social. In it, he floated the idea of a U.S. cryptocurrency reserve, a kind of national digital asset vault. Interestingly, he highlighted XRP, Solana $SOL , and Cardano as potential components.
He also took a jab at President Biden’s approach to crypto and vowed to make the U.S. the top global destination for blockchain innovation.
But less than 24 hours later?
The post disappeared.
And the speculation exploded.
Behind the Curtain: Misinformation or Misstep?
Word on the street is that Trump may have been fed that statement by Brian Ballard, a well-connected lobbyist reportedly linked to Ripple Labs, the company behind XRP.
Allegedly, Trump wasn’t thrilled when he learned about the connection—and insiders say he was not happy. Some even suggest he cut ties with Ballard shortly afterward.
But let’s be clear: that doesn’t equal a ban.
What’s Actually True?
Here’s the important part—there is no official move against XRP from Trump or his camp. There’s no blacklist, no restriction, and certainly no executive order.
This appears more like an internal political mix-up or a case of Trump feeling misled, not a crackdown on crypto.
Ripple has had political brushes before, and yes, they’ve interacted with the Trump camp in the past. So this seems more like strategic maneuvering than anything serious.
Crypto Twitter Reacts
Prominent legal voice and XRP supporter Bill Morgan weighed in with a touch of sarcasm, tweeting:
> “You are on top of things. The SEC agreed for the fine to be reduced from $125 million to $50 million and the SEC agreed to the permanent injunction being lifted. Yep, Trump is furious.”
Translation: Nothing has really changed. This isn’t a big deal.
Market Watch: XRP Remains Steady
Despite the noise, XRP’s price has held its ground. Some analysts even continue to view it as a promising asset this cycle. Without a direct or formal announcement, this incident remains exactly what it looks like—a blip.
To Sum It Up
Trump posted (and deleted) a message supporting XRP.
He may have been influenced by someone tied to Ripple.
There’s no evidence XRP is banned or targeted.
Crypto is dramatic—but this seems more smoke than fire.
Unless Trump jumps back on Truth Social with a post like “XRP is a scam—SAD!”, this is just another episode in the never-ending drama of digital politics.
What’s your take? Is this just hype, or do you see something deeper going on? Drop your thoughts in the comments.
(Enjoyed this explainer? Stay tuned for more real talk on crypto.)

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