Franklin Templeton has made a move again. The recent statement by the head of digital assets at this globally renowned asset management firm, Roger Bayston, has attracted attention — he explicitly stated that XRP is the "fundamental cornerstone of cross-border transaction efficiency." This is not just talk. The data is there: the company's XRP ETF has already reached a weekly trading volume of $28.6 million, with a total net inflow of $1.07 billion. Numbers speak louder than any publicity. Why do major institutions value XRP so highly? Bayston explained it straightforwardly — as a blockchain with payments as its top priority, the XRP Ledger can provide real-time, low-cost solutions for institutions seeking large-scale intercontinental settlements. This is a pain point that traditional banking systems have long wanted to solve but haven't truly addressed. You can see from their actions since September last year that Franklin Templeton, together with Singapore's DBS Bank and Ripple, signed a cooperation agreement to launch a tokenized money market fund on the DBS Digital Exchange. This combination uses the XRP Ledger blockchain base along with RLUSD stablecoin, providing trading and lending tools for institutional investors and qualified investors. This deep integration of traditional finance with on-chain infrastructure is changing the way institutions perceive the value of XRP. It is no longer just a topic within the crypto community but has become a real financial infrastructure issue.