Regional adoption and use cases: Asia‑Pacific holds ~35–40% of XRP holders (avg ~4,200 XRP; remittances/trading), North America ~25–30% (avg ~1,850 XRP; institutional positioning), Europe ~20–25% (avg ~2,100 XRP; diversification), Latin America 8–12% (cross‑border payments). Market and token metrics: XRP ETFs launched last year have increased institutional demand (Goldman Sachs cited as top XRP ETF holder); XRP trading ~ $1.32, down ~2% in 24h. Infrastructure and adoption signal: 12 of 30 banks working with SWIFT on a blockchain-based, 24/7 payments ledger are Ripple partners, indicating institutional integration of the XRP Ledger and potential tailwinds for crypto cross-border payments and broader adoption.

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Crypto pundit X Finance Bull has highlighted XRP’s mass adoption and its use across several continents. Given the altcoin’s global utility, the analyst noted that the token won’t remain undervalued forever, hinting it could still reach higher prices.

Pundit Points To XRP’s Global Adoption Among Different Countries

In an X post, X Finance Bull said that the estimated global distribution of XRP holders paints a picture most people miss. He revealed that Asia-Pacific leads with roughly 35% to 40% of holders and holds an average of 4,200 XRP. The primary uses of the altcoin among these Asia-Pacific holders are remittances and trading. The pundit noted that this is real people moving money across borders using XRP, highlighting the token’s utility.

Furthermore, North America accounts for 25% to 30% of XRP holders globally, with smaller average holdings of around 1,850 XRP. The use case for the token among these holders is shifting towards institutional positioning, the pundit stated. Notably, demand for the altcoin has increased since the XRP ETFs launched last year. Wall Street giant Goldman Sachs is currently the largest XRP holder among these institutional investors.

X Finance Bull also revealed that Europe accounts for 20% to 25% of holders, with an average of 2,100 XRP. These holders are said to be holding the token for portfolio diversification. Latin America is behind, accounting for between 8% to 12% of holders. As in the Asia-Pacific region, the primary use case in Latin America is cross-border payments.

In line with this, the pundit said that the altcoin isn’t limited to a single country and is a global asset, solving different problems for different people depending on where they live. He added that this kind of global utility doesn’t stay undervalued forever.

Bull Case For The Altcoin

In another X post, X Finance Bull made a bullish case for XRP, noting that 12 of the 30 banks SWIFT is collaborating with on a blockchain-based shared ledger for real-time, 24/7 cross-border payments are confirmed Ripple partners. He described this development as the moment he had been watching for.

The pundit remarked that these 12 banks are linked to Ripple through payment networks, custody, steering groups, or banking consortia. He noted that the regulatory framework and the infrastructure are arriving at the same time and that the banks designing SWIFT’s blockchain future are the same ones that have partnered with Ripple. X Finance Bull added that the architecture of the future is being built by institutions that already know the XRP Ledger inside and out.

At the time of writing, the XRP price is trading at around $1.32, down over 2% in the last 24 hours, according to data from CoinMarketCap.