XRP's potential repricing is expected to be driven by institutional liquidity demand rather than retail speculation, according to Digital Asset Investor (DAI), a prominent figure in the XRP community. Despite XRP's decline of over 2% this month and more than 27% year-to-date, DAI argues that the repricing will occur through increased institutional demand for liquidity, which would necessitate higher XRP prices for larger transactions and cheaper cross-border payments. DAI emphasized that many investors misunderstand the repricing process, expecting sudden price spikes. Instead, he suggests that higher XRP prices will be required to facilitate large transactions with minimal market impact. This perspective aligns with Charusan's explanation that banks would use XRP liquidity for significant transfers, rather than speculative investments. Despite the optimism, DAI cautions that such a repricing event may not occur, and investors should be prepared for various outcomes.