Grayscale Investments is seeing a shift in how investors approach crypto. Earlier, most attention was on Bitcoin. Now, as investors become more comfortable, they are starting to look at other assets and understand how to spread their investments.
Rayhaneh Sharif-Askary, who leads product and research at Grayscale, explains that the market is entering a new phase. Investors are no longer asking what crypto is, but rather how to divide their money across it. This change is pushing firms like Grayscale to create better ways to understand the space.
So, how do you divide your money across different types of crypto assets? Let’s find out the answer.
This is where XRP comes into focus. Sharif-Askary describes it as a blockchain that has proven itself over time, especially in the payments space.
“XRP is a battle-tested blockchain. It’s been around for a long time.”
Unlike platforms that focus on building apps, XRP is mainly used for moving money quickly and efficiently across borders. Because of this, Grayscale places it in the “currency” category, alongside assets designed for value transfer.
To make things easier for investors, Grayscale divides the crypto market into six parts based on what each asset actually does. Some assets act like money, others help build applications, and some support financial services like lending and trading.
There are also projects focused on user experiences such as NFTs, gaming, and digital ownership. On top of that, there are networks and tools working quietly in the background, helping blockchains run smoothly and connect with each other.
This structure helps investors see crypto as a full system instead of a random list of coins.
All of this connects to a larger change; more financial activity is now happening directly on blockchains. Payments, trading, and applications are moving away from traditional systems and onto digital networks.
This idea, often called the on-chain economy, is still growing. But it shows how crypto is slowly becoming part of everyday financial activity rather than just a speculative market.
A major part of this story is the possibility of an XRP ETF. According to Sharif-Askary:
“A potential XRP ETF opens the door to entirely new groups of investors.”
This means people who are not comfortable buying crypto directly could still invest through familiar financial products. With Bitcoin ETFs already in the market, this next step could bring even more attention to XRP.
The overall direction is quite productive. Crypto access is expanding, institutions are getting involved, and assets like XRP are slowly becoming part of mainstream portfolios.
XRP could trade between $3 and $6 in 2026 if crypto market momentum strengthens and Ripple expands partnerships with banks using RippleNet and ODL.
XRP could potentially reach $18–$30 by 2030 if the crypto market enters a strong bull cycle and Ripple expands global payment partnerships.
If adoption of blockchain payments grows and Ripple strengthens its financial network, XRP could trade between $97 and $179 by 2040.
XRP’s long-term growth may depend on global payment adoption, institutional partnerships, and wider use of Ripple’s blockchain infrastructure.
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