The new debate in the XRP Ledger (XRPL) community is turning to a specific “golden ticket” thesis: The case for XRP coming out will not come from narrative issues, but from the use of pipelines: Ripple regulated payments collect the available money directly from the on-chain XRPL DEX, and Ripple Prime that adjusts the institutional flow to the ledger.
The XRP Golden Ticket Theory
This idea appeared on the X exchange after one user, Alex Cobb, a well-known analyst in the XRP community, argued that the US market structure law, the CLARITY Act, is “the golden ticket for XRPs.” Another prominent member of the community, Krippenreiter, pushed the focus on product rails instead of removing policy: “Personally I think that Ripple Payments is getting revenue from the onchain XRPL DEX and Ripple Prime for selling posts on the XRP Ledger for XRP gold tickets.”
Personally I think it’s Ripple Payments that receives money from the onchain XRPL DEX and Ripple Prime for selling posts to the XRP Ledger for XRP gold tickets.
(Long view 🫡)
— Krippenreiter (@krippenreiter) January 27, 2026
Krippenreiter clarified that the sentences follow up on what Ripple has previously sent a message about how it intends to use XRPL in institutional contexts. “The ideal is to do everything on-chain, so yes. Whatever happens on-chain stays in XRPL,” they wrote, adding: “I said ‘post-trade settlement’ because that’s what Ripple has said publicly about what they plan to use XRPL for.”
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That distinction is important because moving money through a public DEX, especially for regulated entities, creates a different compliance environment than using a ledger as a post-consumer payment layer elsewhere. In this thread, attorney Bill Morgan put the issue of the gate unequivocally: “Finally, once we get money from the XRPL DEX without the risk of non-compliance.”
While others point to Allowed Domains and the creation of a permitted DEX as a major obstacle to regulated capital, Krippenreiter describes “data,” “permitted domain,” and “permitted dex” as a set of solutions. Morgan noted that the implication goes beyond Ripple: if that is a block for Ripple, “it will be a block for any other institution that would wish to use the XRPL DEX.”
Notably, the Allowed Domains amendment is on track to go live next week, with XRPScan showing 27 out of 34 approval votes (88.24% consensus) and an estimated activation date of Feb. 4, 2026 at 09:57:51 UTC, as long as it remains above the limit required by the enabling window.
The same thread pulled Ripple Prime into the picture. Luke Judges (middle management at Ripple) said, “Subordinates, we need more CEX to support the XRPL listing. Working on it.”
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Krippenreiter suggested that, beyond the exchange’s inventory, privacy would be another critical requirement for Prime’s deeper XRPL integration, calling it a “barrier” to the spread of rumors.
That points to Ripple’s public framework: in a post dated October 2, Ripple’s engineering leader J. Ayo Akinyele argued that “finance cannot function without privacy, yet blockchains are built for transparency,” and that the adoption of institutional standards requires privacy that still supports compliance.
Akinyele pointed out the institutional barrier: “Without privacy, financial institutions cannot safely use public ledgers to do important work. Without accountability, administrators cannot sign off. With programmable privacy, we can have both.”
The discussion culminated in Ripple and GTreasury releasing “Ripple Treasury,” positioning it as a corporate treasury infrastructure that combines traditional currency operations with digital asset classes.
At press time, XRP traded at $1.9256.
The featured image was created with DALL.E, a chart from TradingView.com
