Here’s DTCC Basically Saying XRP Cannot Remain Cheap

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A screenshot posted on X by crypto enthusiast Pumpius has prompted fresh conversation within the XRP community after it appeared to show the Depository Trust & Clearing Corporation (DTCC) Learning Center generating an answer about XRP’s collateral treatment.

While Pumpius viewed the result as supporting the case for a higher XRP valuation in institutional finance, other community members quickly pointed out that the response was AI-generated and not part of an official DTCC policy document.

The image attached to Pumpius’ post shows the DTCC Learning Center with “XRP” entered into the search bar. The page displays an AI-generated answer titled “XRP Haircut and Classification,” describing how collateral haircuts would differ depending on XRP’s price.

Pumpius interpreted the response as evidence that institutions would require XRP to trade above $5 to be used as collateral. He noted that the generated answer stated that XRP priced at $5 or below could receive a haircut of up to 100%, effectively giving it little or no collateral value due to volatility or liquidity concerns.

By contrast, XRP valued above $5 would receive a substantially lower haircut, typically around 35% or one based on a Value-at-Risk model, allowing institutions to recognize a larger portion of its value as collateral.

Comparisons With Previous XRP Statements

Building on that interpretation, Pumpius linked the AI-generated response to comments made by several prominent figures within the XRP ecosystem.

He referenced Ripple Chief Technology Officer David Schwartz, who has previously stated that XRP cannot remain at a very low price if it is to support large-scale payment flows.

Pumpius also cited SBI Holdings CEO Yoshitaka Kitao, who has expressed confidence in XRP’s long-term adoption by Japanese banks and suggested that broader institutional use could eventually result in a significantly higher valuation.

Based on those references, Pumpius suggested that the DTCC search result aligned with earlier views that XRP would need to appreciate to serve institutional use cases effectively.

Community Members Urge Caution

Not everyone accepted that interpretation. In the replies, community member Amanda argued that the displayed content should not be treated as official DTCC guidance because it was clearly identified as an AI-generated response.

She said the search produced an example after failing to locate direct XRP-specific documentation and added that, despite her support for XRP, the result should not be viewed as carrying evidential weight.

Vet further suggested that the AI likely generated an XRP-related response due to the large number of recent XRP searches by users. In his view, the system was responding to search trends rather than referencing an existing DTCC policy on XRP.

As a result, while Pumpius presented the screenshot as supportive of the asset’s long-term institutional potential, responses from other members of the XRP community emphasized that the AI-generated answer should not be interpreted as an official DTCC position on XRP collateral requirements.

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