Bitcoin’s thesis basically boils down to, “I am decentralization, hear me roar.”
Utility thesis vs. monetary thesis (Because academics love grammar like that)
Apparently, altcoins like ETH and XRP get their value from usefulness – you know, actual things people do, like sending money across borders-assuming anyone still remembers how to send snail mail.
XRP’s value supposedly climbs when it becomes the go-to token for cross-border payments. Though, to be fair, it feels like banks looking at XRP are the same way I look at a kale smoothie: intrigued but profoundly skeptical. 🥴
Bitcoin, on the other hand, isn’t playing the usefulness game. Rochard points out its value is more like a trophy case for decentralization, censorship resistance, fixed supply, and network effects-which is fancy-talk for “people owning shiny digital gold that no one can boss around.”
His hot take: any big-shot company could just roll out its own blockchain and snatch up all the utility use cases altcoins brag about. It’s like launching your own lemonade stand and shaking up the market-except with more cryptic codes and fewer sticky fingers.
Meanwhile, in the realm of cold, hard reality, Swift’s executive Tom Zschach recently wondered aloud whether banks really want to deal with the extra costs of using XRP as a bridge currency. It’s like asking if you want to pay more for a taxi just to avoid walking. Spoiler alert: no one loves extra fees.
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2025-09-05 09:14