Analyst Highlights 13 Crypto Infrastructure Projects, Including XRP, Stellar, and Ondo

Headline: Analyst names 13 crypto infrastructure plays — XRP, Stellar and Ondo among projects poised to drive the next wave of adoption A pseudonymous crypto analyst calling himself X Finance Bull laid out a case on May 24 for a new phase of crypto adoption led not by hype-driven tokens but by infrastructure projects with clear real-world use cases. In a long post on X, he named 13 decentralized networks he believes could displace pieces of legacy financial plumbing worth trillions and attract steady institutional capital. The thesis is simple: the next wave of long-term value will come from protocols that replace existing systems—payments, data feeds, real-world assets (RWAs) and on-chain connectivity—rather than speculative coins that rise and fall with social media trends. These utility-focused networks, the analyst argues, earn value gradually through integrations, partnerships and recurring usage, compounding over time rather than spiking overnight. Key projects highlighted - XRP (XRP Ledger): Touted as a global settlement layer and neutral bridge currency, XRP is positioned for cross-border payments. The XRPL converts fiat into XRP, moves value across the ledger and converts it back to destination currency in seconds, with transfers typically settling in three to five seconds and at very low cost. - Stellar (XLM): Founded in 2014 by Jed McCaleb (a Ripple co-founder), Stellar targets low-cost, near-instant cross-border transfers and financial inclusion. XLM serves as a bridge currency and has become popular for remittances and smaller international transfers. - Ondo Finance (ONDO): Flagged as a leader in tokenized RWAs, Ondo’s products (notably OUSG and USDY) command the largest DeFi-native share of tokenized government securities. According to a Standard Chartered projection cited by the analyst, the tokenized real-world assets market could reach $30.1 trillion by 2034. Ondo has also expanded into tokenized U.S. stocks and ETFs. Other networks on the list include Solana (SOL), Chainlink (LINK), Cardano (ADA), Algorand (ALGO) and more—each singled out for serving a distinct function within the broader financial stack. For example, Chainlink’s oracle services provide off-chain data feeds that many on-chain applications rely on, while other networks specialize in settlement, smart contracts, or scalable connectivity. Why this matters X Finance Bull emphasized that these infrastructure assets require structural demand—meaning banks and institutions must integrate and depend on them—before their prices fully reflect their utility. That process is slower and steadier than speculative rallies but yields more durable value. Unlike meme coins and other trend-chasing projects, infrastructure protocols build the “rails, pipes and connections” that could underlie global finance, making them resilient across market cycles. Bottom line The analyst’s shortlist is a reminder that much of the crypto market’s long-term upside may hinge on practical adoption rather than short-term speculation. If institutions embrace these networks for payments, tokenized assets, data feeds and connectivity, the resulting capital flows could fundamentally reshuffle parts of the existing financial infrastructure—potentially creating substantial, compounding value for the projects that become the new infrastructure.