A prominent crypto commentator argues that XRP has quietly become the second most talked-about cryptocurrency among U.S. financial advisers’ clients, citing remarks from a Grayscale executive and linking that demand to a potential wave of XRP-based financial products.
In a recent episode, Wendy O played a clip from Grayscale’s head of product describing what advisers are hearing from their customers.
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According to that clip, Grayscale’s sales team reports that advisers are “constantly asked by their clients about XRP,” and that in some settings it is “the second most talked about asset in this community behind” Bitcoin. The host seizes on that line as validation that institutional attention is starting to catch up to XRP’s retail fan base.
Advisers field XRP questions as ETF speculation grows
The video centers on the idea that, in the wake of successful spot Bitcoin ETFs, XRP-related products are a logical next step for traditional finance.
Crypto Wendy claims that “right after Bitcoin spot ETF, the XRP ETFs and traditional financial instruments were incredibly successful,” framing that as evidence that institutions are recognizing XRP’s appeal. No specific fund names or volumes are given, but the narrative is clear: demand conversations are shifting beyond Bitcoin.
Ripple’s stablecoin strategy and Ethereum’s ‘Wall Street’ role
Much of the analysis links XRP’s prospects to Ripple’s broader infrastructure play. She describes XRP as a “bridge” into what Ripple is building, arguing that the company is trying to insert itself between “predatory practices of the institutions” and their end users by offering cheaper, more transparent settlement rails.
A key piece of that strategy, in Wendy’s view, is Ripple’s planned stablecoin, RLUSD, which is set to be issued on both Ethereum and the XRP Ledger (XRPL).
Ethereum is characterized as “Wall Street’s chosen one,” with the host pointing to large asset managers, BlackRock’s products, and even a reference to Harvard reallocating from Bitcoin ETFs into Ethereum ETFs as part of a diversification move.
Deploying RLUSD on Ethereum and XRPL is framed as “an incredibly smart move” that could deepen liquidity and, eventually, “start to add liquidity back to XRP.”
On XRP price projections, the host highlights that Standard Chartered has reportedly revised its target down by 65%, from $8 to $2.80 by the end of 2026, and calls that “a fair prediction” under current conditions, though potentially subject to change if a stronger bull market resumes.
Why This Matters
If advisers truly see XRP as the second most asked-about asset after Bitcoin in some circles, that suggests persistent retail and high-net-worth interest despite regulatory uncertainty and choppy price action.
Combined with Ripple’s multi-chain stablecoin plans and Ethereum’s growing ETF footprint, XRP sits at a crossroads between retail enthusiasm and institutional infrastructure bets.
For investors, the takeaway is less about headline price targets and more about where attention and product development are converging: adviser conversations, ETF desks, and stablecoin rails that span both XRPL and Ethereum.
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The video talks about XRP ETFs and “traditional financial instruments,” but does not specify any U.S.-listed spot XRP ETF. Investors should verify current listings with exchanges and regulators.
According to the show host, RLUSD is Ripple’s planned stablecoin, intended to be issued on both Ethereum and the XRP Ledger, with the goal of supporting settlement use cases and liquidity.
Wendy O argues that Ethereum is currently favored by Wall Street and large asset managers; by launching RLUSD on Ethereum and XRPL, Ripple may tap into that institutional pipeline while still routing value through XRPL.
The YouTube show host states that Standard Chartered has lowered its XRP target from $8 to $2.80 by the end of 2026, framing it as a more conservative but still constructive forecast.
