Pundit Says Watch This XRP Holders: This Will Happen Sooner or Later

Tokenizing money-market funds could change how financial markets manage collateral as trading moves toward continuous, 24/7 operations.

Crypto commentator X Finance Bull pointed to comments from GSR Managing Director Andy Baehr and connected them to XRP, saying the XRP Ledger could play a significant role if trillions of dollars in traditional financial assets move onchain.

Andy Baehr Explains the Collateral Challenge

In the video attached to the commentator’s tweet, Baehr explained that traditional markets still face timing limitations because financial institutions typically process collateral and variation-margin payments only a few times each day and during weekdays.

“If existing traditional exchanges started to accept not only stablecoins, but tokenized money market funds or tokenized treasury funds as good collateral,” Baehr said, markets could address one of the major delays within traditional financial infrastructure.

He explained that tokenized funds could improve collateral movement and risk management while supporting more efficient weekend trading. Baehr said this development could also enable cleaner weekend trading as financial markets expand their operating hours.

WATCH THIS $XRP HOLDERS!🚨🚨🚨 Sooner or later, $10+ trillion in money-market funds will move onchain and become 24/7 collateral.

I believe XRP is built to capture a huge part of that shift.

Listen closely to what GSR Managing Director Andy Baehr is saying.

X Finance Bull Connects the Shift to XRP

X Finance Bull focused on the scale of the money-market fund market, citing approximately $13.72 trillion in assets worldwide. The commentator said tokenization could allow these funds to generate yield as institutions move them digitally and potentially use them as collateral around the clock.

The post then connected this development to Ripple and XRP. X Finance Bull referenced a November 2025 submission to the CFTC in which Ripple said money-market funds should move like stablecoins. The commentator also highlighted weekend collateral as an important requirement for markets that operate continuously.

X Finance Bull cited several developments in the XRPL ecosystem to support the case for Ripple’s preparation for this environment. These include Franklin Templeton’s sgBENJI, which operates on XRPL, while DBS explores sgBENJI as collateral and allows clients to move between sgBENJI and RLUSD around the clock.

The commentator also mentioned BlackRock’s BUIDL and VanEck’s VBILL, which can exchange into RLUSD 24/7 through Securitize. X Finance Bull also cited Ondo’s OUSG and Guggenheim Digital Commercial Paper as additional institutional fixed-income assets within the broader XRPL ecosystem.

XRP’s Potential Role in Institutional Settlement

X Finance Bull also referenced Ripple Treasury, Ripple Prime, and Ripple’s investments in ZILO and Licuido when discussing infrastructure focused on liquidity and collateral mobility.

The commentator stressed that the thesis does not involve $13 trillion flowing directly into XRP. Instead, X Finance Bull said XRP could benefit from a financial system where institutions continuously move tokenized assets.

The post noted that XRPL activity uses XRP for fees and reserves, while XRP can also provide native liquidity routing between issued assets. X Finance Bull therefore said broader adoption of tokenized money-market funds as 24/7 collateral could increase activity across the XRP Ledger.

The development of this market will depend on institutional adoption of tokenized collateral and the infrastructure financial firms choose. X Finance Bull’s thesis centers on XRP’s potential role as traditional financial assets move onchain and markets increasingly require collateral to move continuously.