Ripple says the company is undergoing a "radical change," but the community responds

• "Investors in XRP have been absolutely scammed," says a community member.
• The cryptocurrency XRP is more than 70% below its all-time high.

Monica Long, president of Ripple Labs, stated that the company is undergoing an accelerated operational transition. However, various members of the investor community reacted with strong rejection on social media to the stagnation in the price of XRP, the native cryptocurrency of the XRP Ledger network issued by the company.

"In the last year, we have seen a radical change, as if a light switch has been flipped: from banking pilots to production, from issuing tokenized assets like money market funds and liquidity funds to using them," Long said.

Regarding this process, she added: "Institutional capital markets are moving in one direction: on-chain, 24 hours a day, 7 days a week."

She also detailed that the corporate goal is to provide comprehensive tools, "allowing institutional participants to leverage the entire lifecycle of a tokenized asset on the XRP Ledger."

In the face of the management's optimism, investors and followers of the company reacted with severe questioning about the lack of impact of these advances on the price of the cryptocurrency XRP.

In that line, a user identified as Goldsfeir XRP criticized the real adoption of the network: "nobody uses your XRP Ledger, and when there is a potential opportunity for XRP to be adopted as in DTCC or integrated into SWIFT, XRP is never there." In the same message, he added: "What a shame! You have built useless partnerships and acquired companies that so far do not allow you to keep your company without selling XRP."

The complaint escalated to direct requests addressed to Long and the company's CEO, Brad Garlinghouse. "Both are useless and have failed. They just need to resign; they have enough money for doing nothing."

Meanwhile, the accusations pointed to the corporate financing model. An investor under the pseudonym M questioned the capital flow: "Ripple must be making a lot of money. XRP is doing nothing. So does Ripple use XRP to build its financial empire and let retail investors finance the operation? If you move so much money, why does the price of XRP stink?"

For its part, the account Crypto4Beginner attacked the valuation of the digital asset, stating that "it remains on the ground and struggles to stay above a measly 1 dollar." In the same vein, it stated that "investors have been absolutely scammed, and the executive team couldn't care less," concluding that "the current price of XRP is pathetic."

In contrast to the majority stance, the user CryptoPC analyzed the perception of the firm's acquisitions: "Everyone saying that XRPL/XRP is dead obviously only looks at all these acquisitions and comes to the conclusion that the price has to be 589 dollars for them." On this point, he noted that "Without these acquisitions and alliances, Ripple and XRP do nothing."

These reactions occur amid a complex pricing scenario. XRP is currently trading around 1.06 dollars, a price that represents a decline of more than 70% from its all-time high of 3.65 dollars, recorded in July 2025.

Historically, the cryptocurrency issued by Ripple has been closely linked to a goal: facilitating international payments. However, that scenario never fully consolidated, leading the company to redirect its corporate strategy.

In light of this situation, the company's efforts during 2026 have focused on tokenization. As part of this strategy, investment manager Aviva Investors and Ripple launched on July 29, 2026, a class of tokenized shares of the Aviva Investors US Dollar Liquidity Fund on the XRP Ledger.