Crypto market analyst SMQKE has identified what he considers a pivotal opportunity for XRP and XLM, emphasizing the potential of these digital assets to play a significant role in the global institutional cross-border payments sector.
Emphasis on institutional payment flows
Rather than focusing on consumer remittance payments, SMQKE highlighted the much larger market of institutional transactions, where banks and financial organizations transfer substantial sums internationally every day.
Through a social media post, he asserted that XRP and XLM are strategically positioned to address this sector, saying they will “target the BIG money.” He further mentioned that the presence of Ripple and Stellar illustrates the focus on institutional-scale solutions for cross-border financial operations.
“XRP and XLM will target the big money. The big money is in cross-border payments — that’s why we have Ripple and Stellar. XRP + XLM = Big Money. Watch.”
To explain his stance, SMQKE shared a video outlining how both Ripple and Stellar were created to meet the needs of large-scale business payments, rather than just replacing existing retail-focused money transfer services.
Distinguishing consumer from business transactions
The speaker in the attached video began by addressing the role of established remittance companies such as Western Union. He suggested that these services are unlikely to disappear with the emergence of blockchain technology, but may adapt to new developments while maintaining their position in the market.
According to the video, major financial gains are found not in small-scale remittances, but in business-to-business transactions that operate across borders. These high-volume payments are described as costly and inefficient under present systems, which has opened the door for blockchain networks like Ripple and Stellar to offer alternative settlement solutions for financial institutions.
Ripple and Stellar are characterized as platforms tailored for back-end transactions between banks, rather than direct peer-to-peer transfers for consumers. The emphasis rests on enabling interbank fund movements through new digital rails, instead of focusing solely on personal money transfers overseas.
Distributed ledger technology allows transaction data and settlements to move more rapidly, helping institutions manage cross-border payments with increased speed and reduced friction compared to legacy systems.
One technical point raised notes that as payment services evolve, the speed of transaction data has become as important as the movement of funds themselves. The application of distributed ledger solutions is projected to deliver faster settlements and improved efficiency within institutional financial networks.
To address the need for comprehensive real-time market monitoring and efficient portfolio management among institutions and individual investors, tools like CryptoAppsy have gained traction. This platform combines live pricing, advanced charting, multi-currency overviews, and timely macroeconomic updates such as Fed interest rates. It allows users to filter crypto news by coin, track newly listed assets, and set price alerts, helping them stay alert to major market shifts.
Ripple’s network model set apart from Bitcoin
The video also compared the network structures of Ripple and Bitcoin. While Bitcoin offers a permissionless architecture open to all participants, Ripple’s system requires institutions to join as members, creating a permissioned environment where known banks interact through validated nodes.
For international payments, the process sees banks on the Ripple network facilitating transactions on behalf of customers, enabling more controlled and secure settlement via distributed ledger technology. The approach is designed to streamline business transactions on a global scale, targeting the market sector identified by SMQKE as both lucrative and under-served by current frameworks.
Through these discussions, SMQKE reinforced his view that XRP and XLM remain poised to benefit from increasing demand among institutions for smoother cross-border transactions and settlement efficiency.
