A payment asset like $XRP is built to move value; a governance token like $UNI is built to help move protocol decisions That difference is the whole lesson here Crypto is not one bucket. Stablecoins serve as on-chain cash, utility tokens power access, infrastructure assets keep networks working, and tokenized assets connect real-world value to blockchain rails For buyers, wrong category means wrong expectations XFinanceBull Academy keeps the filter simple: know what the asset is built to do before judging what it may become