The biggest surprise of the next 12 months will be this: Merchants and fintech apps will quietly rotate back toward stablecoin infrastructure built for compliance instead of hype. My locked prediction: XRP finishes above $8 within 12 months. Not because retail suddenly becomes louder. Because payment companies and cross-border providers are exhausted by fragmented liquidity, unpredictable settlement paths, and regulatory uncertainty across multiple chains. The market spent years treating speed as the entire product. But institutions care about something different: finality, legal clarity, uptime, and integrations that survive audits. That changes where serious money flows. Most crypto users still underestimate how large the business of moving money actually is. Payroll rails, remittances, treasury settlement, B2B transfers, correspondent banking replacements. That market is enormous and painfully inefficient. The second regulators stop treating participation like legal roulette, infrastructure with existing banking relationships becomes aggressively repriced. That repricing starts with XRP. I’m locking this call publicly now so there’s no rewriting history later. Quote me in 12 months. @RallyOnChain