XRP, ti&#7873;n m&atilde; h&oacute;a l&#7899;n th&#7913; t&#432; theo v&#7889;n h&oacute;a th&#7883; tr&#432;&#7901;ng, &#273;ang &#7903; t&acirc;m &#273;i&#7875;m tranh lu&#7853;n khi c&aacute;c chuy&ecirc;n gia trong ng&agrave;nh &#273;&#7863;t c&acirc;u h&#7887;i v&#7873; c&ocirc;ng d&#7909;ng c&#7889;t l&otilde;i c&#7911;a n&oacute; trong th&#7883; tr&#432;&#7901;ng hi&#7879;n nay
Cu&#7897;c th&#7843;o lu&#7853;n m&#7899;i n&agrave;y n&ecirc;u b&#7853;t m&#7897;t v&#7845;n &#273;&#7873; then ch&#7889;t trong l&#297;nh v&#7921;c crypto: &#272;i&#7873;u g&igrave; bi&#7879;n minh cho vi&#7879;c gi&#7899;i &#273;&#7847;u t&#432; c&#7913; b&aacute;m ch&#7863;t v&agrave;o XRP, t&aacute;ch bi&#7879;t v&#7899;i c&ocirc;ng ty m&#7865; Ripple?
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-has-xrp-lost-its-utility-what-crypto-analysts-are-saying">XRP c&oacute; m&#7845;t &#273;i t&iacute;nh h&#7919;u d&#7909;ng kh&ocirc;ng? C&aacute;c nh&agrave; ph&acirc;n t&iacute;ch ti&#7873;n m&atilde; h&oacute;a n&oacute;i g&igrave;</h2>

XRP &#273;&atilde; tr&#7843;i qua m&#7897;t trong nh&#7919;ng h&agrave;nh tr&igrave;nh nhi&#7873;u bi&#7871;n &#273;&#7897;ng nh&#7845;t trong th&#7871; gi&#7899;i crypto. T&#7915; vi&#7879;c &#273;&#7889;i m&#7863;t v&#7899;i<a href="https://beincrypto.com/learn/ripple-vs-sec" target="_blank" rel="noreferrer noopener"> s&#7921; gi&aacute;m s&aacute;t quy &#273;&#7883;nh g&#7855;t gao</a> &#273;&#7871;n vi&#7879;c cu&#7889;i c&ugrave;ng v&#432;&#7907;t qua <a href="https://vn.beincrypto.com/ripple-sec-xrp-lawsuit-appeals-dismissed/" target="_blank" rel="noreferrer noopener">nh&#7919;ng r&agrave;o c&#7843;n ph&aacute;p l&yacute; l&#7899;n</a>. Nh&#7919;ng ng&#432;&#7901;i &#7911;ng h&#7897; t&#7915; l&acirc;u ca ng&#7907;i XRP v&igrave; ti&#7873;m n&#259;ng t&#7841;o &#273;&#7893;i thay trong t&agrave;i ch&iacute;nh to&agrave;n c&#7847;u.
Tuy nhi&ecirc;n, v&agrave;o n&#259;m 2025,<a href="https://vn.beincrypto.com/ripple-expansion-beyond-crypto-xrp-impact/" target="_blank" rel="noreferrer noopener"> khi ho&#7841;t &#273;&#7897;ng kinh doanh c&#7911;a Ripple &#273;ang m&#7903; r&#7897;ng</a>, nhi&#7873;u ng&#432;&#7901;i cho r&#7857;ng m&#7909;c &#273;&iacute;ch v&agrave; c&ocirc;ng d&#7909;ng c&#7911;a XRP &#273;ang thu h&#7865;p. Trong m&#7897;t b&agrave;i &#273;&#259;ng g&#7847;n &#273;&acirc;y tr&ecirc;n X (tr&#432;&#7899;c &#273;&acirc;y l&agrave; Twitter), Scott Melker, ng&#432;&#7901;i d&#7851;n ch&#432;&#417;ng tr&igrave;nh podcast The Wolf Of All Streets, &#273;&atilde; &#273;&#7863;t c&acirc;u h&#7887;i,
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&ldquo;T&ocirc;i n&oacute;i &#273;i&#7873;u n&agrave;y v&#7899;i s&#7921; t&ocirc;n tr&#7885;ng, v&agrave; mu&#7889;n c&oacute; c&acirc;u tr&#7843; l&#7901;i th&#7853;t s&#7921;. L&#7901;i ch&agrave;o h&agrave;ng hi&#7879;n t&#7841;i cho XRP l&agrave; g&igrave;? L&agrave; token, kh&ocirc;ng ph&#7843;i c&ocirc;ng ty Ripple.&rdquo;
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&Ocirc;ng l&#432;u &yacute; r&#7857;ng c&aacute;c &ocirc;ng l&#7899;n t&agrave;i ch&iacute;nh &#273;ang ch&#7885;n nh&#7919;ng m&#7841;ng l&#432;&#7899;i kh&aacute;c, khi <a href="https://vn.beincrypto.com/western-union-introduces-usdpt-stablecoin-on-solana/" target="_blank" rel="noreferrer noopener">Western Union ch&#7885;n Solana</a> cho s&aacute;ng ki&#7871;n stablecoin c&#7911;a m&igrave;nh v&agrave; <a href="https://vn.beincrypto.com/swift-tests-linea-onchain-messaging/" target="_blank" rel="noreferrer noopener">SWIFT ch&#7885;n Linea.</a> Theo &ocirc;ng, nh&#7919;ng &#273;&#7897;ng th&aacute;i n&agrave;y th&aacute;ch th&#7913;c c&acirc;u chuy&#7879;n m&agrave; XRP qu&#7843;ng b&aacute; b&#7845;y l&acirc;u v&#7873; vai tr&ograve; &#273;&#7891;ng ti&#7873;n c&#7847;u n&#7889;i cho thanh to&aacute;n to&agrave;n c&#7847;u.
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&ldquo;Stablecoin &#273;&atilde; r&otilde; r&agrave;ng n&#7855;m quy&#7873;n ch&#7911; &#273;&#7841;o trong m&#7843;ng thanh to&aacute;n, n&ecirc;n t&ocirc;i hi&#7875;u v&igrave; sao stablecoin c&#7911;a h&#7885; &#273;&#432;&#7907;c s&#7917; d&#7909;ng. Nh&#432;ng XRP c&oacute; c&ocirc;ng d&#7909;ng g&igrave;?&rdquo; Melker <a href="https://x.com/scottmelker/status/1983672639873847762" target="_blank" rel="noreferrer noopener nofollow">&#273;&#7863;t c&acirc;u h&#7887;i</a>.
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B&agrave;i &#273;&#259;ng &#273;&atilde; b&#7897;c l&#7897; s&#7921; chia r&#7869; trong c&#7897;ng &#273;&#7891;ng. Nh&#7919;ng ng&#432;&#7901;i ch&#7881; tr&iacute;ch cho r&#7857;ng c&ocirc;ng d&#7909;ng c&#7911;a XRP ch&#7881; l&agrave; &#7843;o; ch&#7913;c n&#259;ng ch&iacute;nh l&agrave; huy &#273;&#7897;ng v&#7889;n cho Ripple.
DBCrypto l&#7853;p lu&#7853;n r&#7857;ng c&aacute;c ng&acirc;n h&agrave;ng h&#7847;u nh&#432; kh&ocirc;ng m&#7845;y quan t&acirc;m &#273;&#7871;n XRP, v&agrave; n&oacute; ch&#7881; gi&uacute;p t&agrave;i tr&#7907; cho ho&#7841;t &#273;&#7897;ng kinh doanh v&agrave; ph&aacute;t tri&#7875;n ph&#7847;n m&#7873;m.
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&ldquo;XRP kh&ocirc;ng c&oacute; c&ocirc;ng d&#7909;ng n&agrave;o ngo&agrave;i vi&#7879;c b&#7883; b&aacute;n ra &#273;&#7875; tr&#7843; chi ph&iacute; v&#7853;n h&agrave;nh v&agrave; t&agrave;i tr&#7907; ph&#7847;n m&#7873;m c&#7911;a h&#7885;, v&#7889;n ch&#7859;ng li&ecirc;n quan g&igrave; &#273;&#7871;n token. C&aacute;c ng&acirc;n h&agrave;ng &#273;&atilde; n&oacute;i h&#7885; kh&ocirc;ng h&#7913;ng th&uacute; v&#7899;i n&oacute;. &Agrave;, v&agrave; WU &lsquo;ch&#7885;n&rsquo; Solana sau m&#7897;t g&oacute;i khuy&#7871;n kh&iacute;ch 50 tri&#7879;u USD. V&#7899;i 50 tri&#7879;u USD, t&ocirc;i ch&#7855;c h&agrave;ng ch&#7909;c chain c&#361;ng c&oacute; th&#7875; ch&#7889;t &#273;&#432;&#7907;c &lsquo;quan h&#7879; &#273;&#7889;i t&aacute;c&rsquo; ng&#7855;n h&#7841;n &#273;&oacute;,&rdquo; nh&agrave; ph&acirc;n t&iacute;ch <a href="https://x.com/DBCrypt0/status/1983686969860165899" target="_blank" rel="noreferrer noopener nofollow">vi&#7871;t</a>.
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Nh&#7919;ng ng&#432;&#7901;i kh&aacute;c <a href="https://x.com/mike_of_oz/status/1983685004128612690" target="_blank" rel="noreferrer noopener nofollow">c&aacute;o bu&#7897;c</a> XRP gi&#7889;ng m&#7897;t c&ocirc;ng c&#7909; ki&#7871;m l&#7907;i cho nh&#7919;ng ng&#432;&#7901;i t&#7841;o ra n&oacute; h&#417;n l&agrave; m&#7897;t ti&#7873;n m&atilde; h&oacute;a c&oacute; c&ocirc;ng d&#7909;ng th&#7921;c t&#7871;, &yacute; ngh&#297;a. BeInCrypto cho bi&#7871;t k&#7875; t&#7915; 2018, &#273;&#7891;ng s&aacute;ng l&#7853;p Ripple Chris Larsen<a href="https://vn.beincrypto.com/chris-larsen-xrp-sales/" target="_blank" rel="noopener"> &#273;&atilde; thu v&#7873; h&#417;n 764 tri&#7879;u USD</a> t&#7915; vi&#7879;c b&aacute;n XRP, th&#432;&#7901;ng l&agrave; g&#7847;n c&aacute;c &#273;&#7881;nh gi&aacute; c&#7909;c b&#7897;. &#272;i&#7873;u n&agrave;y c&agrave;ng l&agrave;m d&#7845;y l&ecirc;n lo ng&#7841;i.
Cu&#7889;i c&ugrave;ng, lu&#7853;t s&#432; Joe Carlasare so s&aacute;nh XRP<a href="https://beincrypto.com/learn/meme-coins" target="_blank" rel="noreferrer noopener"> v&#7899;i meme coins</a>. &Ocirc;ng cho r&#7857;ng gi&aacute; tr&#7883; c&#7911;a XRP &#273;&#432;&#7907;c th&uacute;c &#273;&#7849;y b&#7903;i c&#7897;ng &#273;&#7891;ng m&#7841;nh quanh token n&agrave;y h&#417;n l&agrave; b&#7903;i c&ocirc;ng d&#7909;ng.
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&ldquo;M&#7885;i ng&#432;&#7901;i mua XRP v&igrave; &#273;&oacute; l&agrave; meme. C&#361;ng nh&#432; ADA. C&#361;ng nh&#432; Doge. C&#361;ng nh&#432; Trump coin. Ch&#432;a bao gi&#7901; l&agrave; v&igrave; c&ocirc;ng d&#7909;ng c&#7843;. &#272;&oacute; l&agrave; v&igrave; c&#7897;ng &#273;&#7891;ng XRP, m&#7897;t trong nh&#7919;ng c&#7897;ng &#273;&#7891;ng m&#7841;nh nh&#7845;t cho &#273;&#7871;n h&ocirc;m nay,&rdquo; Carlasare<a href="https://x.com/JoeCarlasare/status/1983684488157917651" target="_blank" rel="noreferrer noopener nofollow"> &#273;&#259;ng</a>.
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<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-experts-defend-xrp-s-real-world-utility">C&aacute;c chuy&ecirc;n gia b&#7843;o v&#7879; &#7913;ng d&#7909;ng th&#7921;c t&#7871; c&#7911;a XRP</h2>

Tr&aacute;i l&#7841;i, m&#7897;t s&#7889; nh&acirc;n v&#7853;t tr&ecirc;n th&#7883; tr&#432;&#7901;ng b&#7843;o v&#7879; c&ocirc;ng d&#7909;ng th&#7921;c t&#7871; c&#7911;a XRP. Santiago Velez, &#273;&#7891;ng s&aacute;ng l&#7853;p Onami Press v&agrave; XAO DAO, &#273;&atilde; ph&aacute;c th&#7843;o m&#7909;c &#273;&iacute;ch k&#7929; thu&#7853;t ban &#273;&#7847;u c&#7911;a XRP.
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&ldquo;M&#7897;t trong c&aacute;c m&#7909;c &#273;&iacute;ch c&#7911;a t&agrave;i s&#7843;n g&#7889;c XRP tr&ecirc;n XRPL Layer 1 l&agrave; c&oacute; gi&aacute; tr&#7883; &#273;&#7875; ch&#7889;ng spam (n&oacute; kh&ocirc;ng ph&#7843;i gas nh&#432;ng c&oacute; th&#7875; l&agrave;m n&#7843;n l&ograve;ng c&aacute;c cu&#7897;c t&#7845;n c&ocirc;ng DDOS),&rdquo; doanh nh&acirc;n n&agrave;y <a href="https://x.com/Santiag78758327/status/1983729625684431039" target="_blank" rel="noreferrer noopener nofollow">n&oacute;i</a>.
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Velez c&#361;ng nh&#7845;n m&#7841;nh XRP &#273;&#432;&#7907;c thi&#7871;t k&#7871; nh&#432; m&#7897;t &#273;&#7891;ng ti&#7873;n c&#7847;u n&#7889;i trung l&#7853;p, kh&ocirc;ng c&oacute; t&#7893; ch&#7913;c ph&aacute;t h&agrave;nh trung t&acirc;m hay r&#7911;i ro &#273;&#7889;i t&aacute;c. &#272;i&#7873;u &#273;&oacute; khi&#7871;n n&oacute; tr&#7903; th&agrave;nh th&agrave;nh ph&#7847;n thi&#7871;t y&#7871;u c&#7911;a s&#7893; c&aacute;i v&agrave; l&agrave; m&#7897;t trong s&#7889; &iacute;t t&agrave;i s&#7843;n Layer 1 &#273;&#432;&#7907;c x&acirc;y theo c&aacute;ch n&agrave;y, b&ecirc;n c&#7841;nh Stellar (XLM).
M&#7897;t nh&agrave; ph&acirc;n t&iacute;ch kh&aacute;c c&#361;ng c&ugrave;ng quan &#273;i&#7875;m. &Ocirc;ng nh&#7845;n m&#7841;nh XRP v&#7851;n l&agrave; t&agrave;i s&#7843;n trung l&#7853;p, &#273;&#432;&#7907;c t&#7841;o ra chuy&ecirc;n bi&#7879;t cho thanh to&aacute;n. Nh&agrave; ph&acirc;n t&iacute;ch n&agrave;y cho bi&#7871;t Ripple d&ugrave;ng XRP Ledger &#273;&#7875; nh&#7855;m t&#7899;i c&aacute;c giao d&#7883;ch xuy&ecirc;n bi&ecirc;n gi&#7899;i B2B v&agrave; B2C, kh&ocirc;ng ch&#7881; chuy&#7875;n ti&#7873;n ki&#7873;u h&#7889;i. &Ocirc;ng c&#361;ng l&#432;u &yacute; DeFi cho t&#7893; ch&#7913;c c&oacute; th&#7875; ti&#7871;p t&#7909;c t&aacute;c &#273;&#7897;ng t&#7899;i cung &ndash; c&#7847;u c&#7911;a XRP.
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&ldquo;XRP&hellip; l&agrave; t&agrave;i s&#7843;n trung l&#7853;p duy nh&#7845;t tr&ecirc;n XRP Ledger s&#7869; lu&ocirc;n kh&ocirc;ng c&oacute; r&#7911;i ro &#273;&#7889;i t&aacute;c. N&#7871;u k&#7871;t h&#7907;p &#273;i&#7873;u n&agrave;y v&#7899;i tr&#432;&#7901;ng h&#7907;p s&#7917; d&#7909;ng c&#7911;a XRPL, t&#7913;c thanh to&aacute;n peer-2-peer, th&igrave; XRP tr&#7903; th&agrave;nh t&agrave;i s&#7843;n h&#7919;u &iacute;ch v&agrave; &#273;&#7897;c nh&#7845;t tr&ecirc;n blockchain n&agrave;y, v&#7889;n &#273;&#432;&#7907;c x&acirc;y c&oacute; ch&#7911; &#273;&iacute;ch cho c&aacute;c kho&#7843;n thanh to&aacute;n xuy&ecirc;n ti&#7873;n t&#7879; (t&agrave;i s&#7843;n),&rdquo; Krippenreiter <a href="https://x.com/krippenreiter/status/1983701201616032098" target="_blank" rel="noreferrer noopener nofollow">nh&#7853;n x&eacute;t</a>.
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Tr&#432;&#7899;c &#273;&oacute;, CEO Teucrium Sal Gilbertie, c&ocirc;ng ty c&#7911;a &ocirc;ng &#273;&atilde; ra m&#7855;t <a href="https://vn.beincrypto.com/teucrium-2x-long-daily-xrp-etf-launch/" target="_blank" rel="noreferrer noopener">ETF XRP &#273;&ograve;n b&#7849;y 2x</a>, c&#361;ng c&#7911;ng c&#7889; g&oacute;c nh&igrave;n n&agrave;y v&agrave; kh&#7859;ng &#273;&#7883;nh c&ocirc;ng d&#7909;ng c&#7911;a XRP l&agrave; kh&ocirc;ng th&#7875; ph&#7911; nh&#7853;n.
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&ldquo;&#272;&oacute; l&agrave; m&#7897;t coin c&oacute; t&iacute;nh &#7913;ng d&#7909;ng cao nh&#7845;t. XRP c&oacute; &#7913;ng d&#7909;ng th&#7921;c t&#7871;, &#273;i&#7873;u &#273;&oacute; kh&ocirc;ng c&oacute; g&igrave; ph&#7843;i nghi ng&#7901;,&rdquo; Gilbertie <a href="https://x.com/TheCryptoSquire/status/1983545608821703014" target="_blank" rel="noreferrer noopener nofollow">b&igrave;nh lu&#7853;n</a>.
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Trong khi &#273;&oacute;, m&#7897;t nh&agrave; quan s&aacute;t th&#7883; tr&#432;&#7901;ng <a href="https://x.com/RipBullWinkle/status/1983687229760282625" target="_blank" rel="noreferrer noopener nofollow">cho bi&#7871;t</a> r&#7857;ng Ripple &#273;&atilde; nh&#7855;c l&#7841;i ba l&#7847;n r&#7857;ng XRP v&#7851;n l&agrave; tr&#7885;ng t&acirc;m trong ho&#7841;t &#273;&#7897;ng c&#7911;a h&#7885;. S&#7921; chia r&#7869; n&agrave;y cho th&#7845;y XRP v&#7851;n l&agrave; m&#7897;t trong nh&#7919;ng t&agrave;i s&#7843;n g&acirc;y tranh c&atilde;i nh&#7845;t c&#7911;a th&#7883; tr&#432;&#7901;ng crypto trong n&#259;m 2025&mdash;m&#7855;c k&#7865;t gi&#7919;a c&aacute;c tuy&ecirc;n b&#7889; cho r&#7857;ng t&#7847;m quan tr&#7885;ng c&#7911;a n&oacute; &#273;ang phai nh&#7841;t v&agrave; nh&#7919;ng ng&#432;&#7901;i &#7911;ng h&#7897; v&#7851;n nh&igrave;n th&#7845;y m&#7909;c &#273;&iacute;ch s&#7917; d&#7909;ng th&#7921;c t&#7871; trong thi&#7871;t k&#7871; c&#7911;a n&oacute;.

Điều gì đang thúc đẩy giá trị của XRP trong năm 2025—cơn sốt hay tính ứng dụng?