XFinanceBull, a market analyst, has advised XRP investors to concentrate on financial flows and institutional developments rather than focusing solely on price charts. Despite XRP's 39% decline since October 2025, currently trading around $1.87, he highlights Ripple's progress in obtaining a banking charter, the launch of ETFs, and regulatory backing from the CFTC as significant factors. XFinanceBull emphasizes XRP's potential in real-world applications such as settlement and foreign exchange, suggesting it as a promising altcoin for long-term growth.