Legal expert rejects comparison with Chainlink.

• XRP has been pushed into the shadow of Ripple despite growing interest in ETFs and tech improvements.
• Chainlink is used by global banks to build real infrastructure, whereas XRP has a slowed adoption rate and a speculative trend.

Bill Morgan is a lawyer who has taken umbrage at what he considers a narrow interpretation of the law. XRPThe asset is worth more than the value of the asset. Ripple’s payment focus. He cautioned that ignoring XRP’s technology infrastructure (such as the XRP Ledger’s liquidity or recent code upgrades) distorts its true standing on the market. 

Morgan emphasized that there is still a lot of potential in recent developments such as automated market-makers and Ethereum sidechain compatibility. Morgan emphasized that XRP was being portrayed unfairly as merely a Ripple tool.

Morgan slammed what he called an “irrational” behavior. “anti-XRP narrative” That reduces the coin to an instrument that is suited for banks, and neglects broader usage. He highlighted the increased interest from investors for XRP in exchange-traded products and treasury applications. Morgan said,

Chainlink, a product I really like, is nowhere near the Top 10. Market demand matters. It’s important to stay in the top 10. The crypto market is now over a decade-old.

The comparison was posted on the website of crypto Rick Barber, a researcher who compared XRP hype to its results, particularly when compared against Chainlink’s progress.

Very well argued 🧵 comparing XRP to Chainlink which I enjoyed but I think your perspective on XRP is too focused on Ripple’s payment use and % ownership of XRP and not on the capabilities of the XRPL or XRP’s liquidity. You may also have inadvertently imbued some of the anti-… https://t.co/hM20Ts59J7

— bill morgan (@Belisarius2020) July 24, 2025

Chainlink Proves Real-World Use — XRP Struggles with Adoption Claims

While XRP is frequently cited as a potential payment system, the reality of its adoption shows a completely different picture. Rick Barber addressed A common belief that XRP can replace SWIFT, explaining that SWIFT is a messaging platform—not a payments processor. He pointed out, too, that the major banks do not use XRP to conduct cross-border payments. RippleNet supports XRP but the majority of participants do not use it.

Barber emphasized Chainlink’s current work with SWIFT. This included pilot tests, in which institutions like Citi BNP, BNP, Paribas, DTCC, participated. In these trials, Chainlink’s Cross Chain Interoperability Protocol was used to demonstrate technical functions rather than relying solely on promises or theory. This system was already tested in real-world settings.

XRP prices spiked in 2023, primarily due to market reactions rather than widespread usage. Ripple is still facing unresolved SEC issues, and despite a $125m settlement payment, no decision has been made as to XRP’s legal classification by July 2025.

Chainlink is now the backbone of over 1,600 projects. The service supports price feeds and Proof of Reserve check, as well as randomness generation. Chainlink Labs has been selected for a pilot program by DTCC in 2023, which will further increase its presence in the traditional financial sector. Chainlink has been used for infrastructure, while XRP is gaining attention due to speculation.

Designer Ecosystems and Token Designs Put Chainlink in the Lead

Barber pointed to public records that show XRP Ledger is averaging fewer 100 developers per month. They are primarily focused on Ripple’s updates. Chainlink is attracting a lot more interest. Chainlink is referenced in over 18,000 GitHub repositories. Its infrastructure can be found used for DeFi, gaming, NFTs and insurance.

Also, tokenomics tells a different story. Chainlink’s LINK tokens are distributed transparently—paying node operators and funding development. XRP remains, however, under central control. Ripple currently holds 40 billion XRP, and each month releases one billion.

Chainlink is no longer competing on promises—it is being used in pilots with global banks and in protocols that manage billions. The company provides randomness and Proof of Reserve services to games, as well as tools for stablecoins. NFT Drops and automatic smart contract execution via Chainlink Automation.

XRP’s legal fights have gained sympathy but not yet translated into a significant real-world application. Ripple customers, Ripple developers and other institutions have shown a reluctance to use XRP for any purpose beyond speculation.

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