In the ever-evolving world of cryptocurrency, recent discussions have reignited debates surrounding XRP, one of the most discussed digital assets. The trigger for this resurgence was a four-week-old interview with Morgan Creek Capital’s Mark Yusko, highlighted recently by prominent XRP supporter “Digital Asset Investor” (DAI), which has sparked conversations regarding whether the critiques leveled against XRP are grounded in objective analysis or merely tribal emotions.
Expert Analysis on XRP’s Value
During the clip, Yusko humorously remarked about “the XRP army” and, while admitting he previously labeled XRP as a scam, he added a caveat: “I still somewhat adhere to that opinion.” He further elaborated that fluctuations in price don’t necessarily reflect an improvement in the asset’s actual functionality, stating, “Just because more buyers than sellers exist doesn’t indicate enhanced utility,” he remarked.
Discussion heated up as Yusko dove into the politics behind cryptocurrency regulations, involving notable figures and their influences in the market. Notably, the XRP community reacted strongly, with DAI positing a provocative statement: “XRP is labeled as outdated, while Yusko calls it fraudulent… implying a broader end to the party for crypto.”
Responding quickly to the contention, Scott “The Wolf of All Streets” Melker distanced himself from Yusko’s remarks, emphasizing, “I wouldn’t categorize XRP as a scam.” He acknowledged that the intense concern from some XRP enthusiasts over external perceptions seems disproportionate, stating it’s their challenge, not his.
Melker further stressed his admiration for Yusko’s candidness rather than agreeing with the notion that XRP is fraudulent. This reflection aligned with Melker’s past statements and kept the conversation alive on social media platforms throughout the night. Advocates for XRP utilized this moment to argue that broad-brush accusations are ill-informed, especially considering the project’s recent legal battles coming to a close.
One of the most comprehensive rebuttals came from “Cryptoinsightuk,” who contended that the perception of XRP as a “scam” is a bias that misinterprets both the market reality and enforcement history. His main argument underscores that XRP is no less legitimate than BTC or even traditional fiat currencies, pointing out the injustice and intensity of negative sentiments directed towards XRP.
He also criticized Yusko’s commentary regarding “king-making,” highlighting that US authorities have, for years, targeted Ripple more harshly than others, suggesting that the perception of favorability for XRP is misplaced.
Lawyer Bill Morgan weighed in, labeling the criticisms as “absurd” and attributing much of the negative discourse to consistent misinformation and fear, uncertainty, and doubt (FUD) spread by the same sources, rather than genuine critiques of the currency.
On August 8, 2025, a significant milestone was reached as the US Securities and Exchange Commission concluded its lawsuit against Ripple Labs. The ruling, which maintained specific penalties—including a $125 million civil fine—has been pivotal in clarifying the legal landscape around XRP. The court’s decision explicitly differentiates between institutional sales of XRP classified as unregistered securities and programmatic sales on exchanges that do not fall under this category.
This legal distinction is vital in understanding why the term “scam” is seen as so inflammatory in 2025. The court’s findings do not declare XRP itself as fraudulent but rather delineate the contexts under which Ripple misstepped according to securities law.
Yusko’s views in the resurfaced video appear to focus less on the legality of XRP and more on its practical usage, regulatory concerns, and the overarching narrative surrounding digital currencies, suggesting that the rise in an asset’s price does not necessarily correlate with improvements in its underlying functionality.
As of now, XRP is trading at $
