My friend asked me about XPL a couple of days ago, and I just said—this thing might be the next seriously underrated payment solution.

Have you calculated the transfer costs? Every time I transfer USDT on Ethereum, it easily costs $10-20 when the market is good, even on BSC it’s a few cents. Isn’t that annoying? What has XPL achieved? It directly cuts out the fees.

Honestly, what’s the ultimate goal of our crypto trading? Cashing out, spending money, making purchases in the real world. And what’s the result? Every transfer gets cut into, is this business profitable? Think about it.

XPL’s idea is actually pretty straightforward, but execution isn’t easy. Zero-fee stablecoin transfers, Bitcoin-level security backing, sub-second confirmation speeds. These are the real solutions to pain points, not hype concepts.

From a technical perspective, it indeed looks bearish. MACD is bearish, EMA is declining, retail investors are panicking and selling. But look at on-chain data? Big whales are quietly accumulating. That contrast is interesting.

On January 25th, nearly 90 million tokens will be unlocked, and everyone worries about a dump. But real opportunities often hide in panic. Staking features are about to go live, institutional funds are quietly entering, and ecosystem partnerships are expanding. RSI is almost in oversold territory.

Technically, it’s bearish, but the fundamentals are strengthening. This kind of disconnect often breeds the biggest reversals.

My simple advice—if you don’t understand, don’t move. But if you understand the value of payment infrastructure and the current transfer pain points, this direction is definitely worth paying more attention to. Do your homework before taking action.