A claim has resurfaced in the Ripple community that XRP's long-term value does not depend only on dominating the cross-border payments market.

The Crypto Basic, a blockchain media outlet, reported on June 19 that Digital Ascension Group chairman Jake Claver said in a recent livestream that XRP's biggest opportunity lies outside cross-border remittances.

The discussion began with the so-called stablecoin sandwich model. A community member known as Eri shared a video of Claver's remarks and said Ripple's On-Demand Liquidity (ODL) service has already used stablecoins such as Tether and USD Coin as bridge assets. The transactions were processed through the decentralized exchange (DEX) on the XRP Ledger (XRPL), which Eri said helped cut costs and improve speed.

Eri said Ripple's RLUSD is also establishing itself in a similar way. Eri cited recent comments by Cassie Craddock, Ripple's UK and Europe managing director, that Ripple Payments was built around stablecoin bridging. Eri said investors should pay closer attention than online narratives to quality trading pairs newly added to the XRPL DEX, trading volume and liquidity indicators.

Claver said financial institutions will ultimately choose the most efficient payment method. "If there is a faster and cheaper way to pay, the flow of funds will go through XRP," he said. The stablecoin sandwich model converts fiat currency into a stablecoin such as USD Coin, sends it through a blockchain network and then exchanges it back into local currency. He said the approach avoids direct exposure to cryptocurrencies in the international remittance process.

Claver added that XRP's success does not depend only on replacing SWIFT or dominating cross-border payments. He said cross-border payments are just one use case for XRP, and that in the long term it could also serve as part of market payment infrastructure and as collateral in derivatives markets.

Eri took a similar view. Eri said XRP could be used in multiple areas beyond payments, including collateral and decentralized finance (DeFi). Eri also mentioned earlier comments by Evernode CEO Ashish Birla that new financial products that have not yet been realized could emerge on the XRP Ledger.

Liquidity is key. Claver said XRP could become a more efficient asset than stablecoins if it secures sufficient liquidity and value. He said a combination of the decentralized exchange built into the XRP Ledger and interoperability features could make it a cheaper and faster payment method. "Institutions that want low-cost payments and seamless asset exchange may ultimately prefer a bridge asset with higher liquidity over stablecoin-based transfers," he added.

The remarks are being read as a call to avoid tying the investment case for XRP only to the international remittance narrative and to instead focus on transaction structures within the network and whether liquidity is expanding. The expansion of trading pairs and changes in volume on the XRP Ledger, and the scope of RLUSD's use, are expected to be key points to watch.

Jake onStablecoin Sandwich He's correct (on these 2 points) 1. @Ripple has used Tether & USDC Stablecoins to bridge ODL. Cheaper | Faster on XRPL DEX. It's why @Vet_X0 always talks more quality assets & @XRPLF lead @MollinBrett talks LIQUIDITY. 2. XRP = Many use cases… pic.twitter.com/RRPiQmIosa