New XRP-Focused Research Defining the “Velocity Threshold” for Global Settlement and Liquidity

A lot of people looking at my recent research have asked the same question: “Surely Ripple already understands all of this. So what does that mean for XRP?” That question is completely valid — and it turns out it’s the right question to ask. This research breaks down why XRP is unlikely to be the internal settlement asset of CBDC shared ledgers or unified bank platforms, and why that doesn’t mean XRP is irrelevant. Instead, it explains where XRP realistically fits in the system banks are actually building: at the seams, where different rulebooks, platforms, and networks still need to connect. Using liquidity math, system design, and real-world settlement mechanics, this piece explains: why most value settles inside venues, not through bridges why XRP’s role is narrower but more precise than most narratives suggest how velocity (refresh interval) determines whether XRP creates scarcity or just throughput and why Ripple’s strategy makes more sense once you stop assuming XRP must be “the core of everything” This isn’t a bullish or bearish take — it’s a structural one. If you want to understand XRP beyond hype and price targets, this is the question you need to grapple with.
Lewis Jackson
CEO and Founder

Lewis Jackson Ventures Ltd Publishes New XRP-Focused Research Defining the “Velocity Threshold” for Global Settlement and Liquidity

New paper challenges simplistic XRP “domino” narratives and explains when XRP liquidity creates scarcity — and when it doesn’t

London, United Kingdom — [Insert Date]
Lewis Jackson Ventures Ltd today announced the release of a new research paper introducing the Velocity Threshold, a quantitative framework that defines how fast liquidity must circulate for XRP-based settlement and AMM-driven liquidity architectures to function at global scale.

The research directly addresses one of the most debated questions in the XRP community:

If XRP is adopted by banks and institutions, does that automatically mean extreme price appreciation — or does system design determine the outcome?

By extending the Jackson Liquidity Framework (JLF), the paper provides the first formal model linking XRP liquidity requirements, settlement velocity, fragmentation, and inventory lock-up in modern financial systems.

Key XRP Insight: Velocity, Not Volume, Governs XRP Scarcity

Contrary to popular assumptions that XRP price must rise simply because “trillions will flow through it,” the research demonstrates that:

  • XRP scarcity is not driven by total transaction volume
  • XRP scarcity is driven by how long XRP must sit idle to support settlement flows
  • That time window — the refresh interval — is the true governor of XRP liquidity demand

Under certain architectures, XRP can support very large settlement volumes with relatively little locked supply. Under others, XRP inventory requirements rise sharply.

This distinction is critical for understanding realistic XRP price outcomes.

Fragmentation Is the Real Enemy — Even for XRP

The paper shows that fragmentation across many liquidity pools or corridors causes XRP inventory requirements to scale rapidly, even when XRP is used as a hub asset.

While hub-based designs reduce the number of trading pairs, they do not eliminate the need for pre-funded liquidity in each pool.

The research proves that:

  • Fragmentation multiplies required XRP liquidity
  • Speed (velocity) can reduce this burden — but only up to a limit
  • Slippage and trade-size constraints impose a hard floor on XRP liquidity needs

This finding explains why XRP price outcomes depend on system architecture, not just adoption.

Where XRP Actually Fits: At the Seams of the System

A central conclusion of the paper is that XRP is structurally unlikely to be the internal settlement asset of CBDC shared venues or unified ledgers.

Instead, XRP’s highest-likelihood role is at seams — points where value must move between different rulebooks, platforms, or governance regimes, such as:

  • Central bank platforms interacting with private ledgers
  • Private financial networks settling obligations with each other
  • Regulated systems interfacing with public markets

This seam-based role does not diminish XRP’s importance — it defines it more precisely.

Implications for XRP Price Narratives

The research reframes popular XRP “domino theory” narratives by showing that:

  • Extreme XRP price outcomes are possible but conditional
  • High velocity and rapid liquidity reuse reduce XRP lock-up requirements
  • Lower velocity, batching, privacy-first designs, and governance delays increase scarcity pressure

As a result, XRP price is best understood as an option on system design choices, not an automatic consequence of adoption.

2030 XRP Thought Experiment Using Real-World Data

To ground the framework, the paper includes a 2030 thought experiment using current real-world financial system volumes, not pilot programs, including:

  • Global cross-border payment flows
  • FX settlement magnitudes
  • Realistic adoption and routing assumptions for XRP

The analysis shows that depending on refresh interval and fragmentation, required XRP inventory could range from millions to billions of XRP, even for the same daily settlement flow.

Why This XRP Research Matters Now

According to Lewis Jackson, Founder of Lewis Jackson Ventures Ltd:

“There’s a lot of excitement in the XRP community about adoption and price targets. What’s been missing is a mechanical explanation for when XRP creates scarcity and when it simply provides throughput. The Velocity Threshold gives us that missing piece.”

The research provides a new, defensible framework for evaluating XRP utility, XRP liquidity, and XRP price dynamics without relying on speculation or hype.

Availability

The full Velocity Threshold research paper is now available HERE.

About Lewis Jackson Ventures Ltd

Lewis Jackson Ventures Ltd is a UK-based research and advisory firm specialising in liquidity dynamics, XRP settlement architecture, AMM-based financial systems, and tokenised market infrastructure.

The firm publishes independent research analysing the structural constraints shaping XRP adoption, CBDCs, cross-border payments, and global liquidity redesign.

Lewis Jackson is the creator of The Macro, a research platform dedicated to understanding how digital assets like XRP fit into the evolving institutional financial system.

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