XRP News Today: XRP Predicted to Surge 22,900% to $500 for Global Payments

Crypto Jack, a prominent crypto investor and commentator, has made a bold prediction that XRP is poised for a 22,900% rally, potentially reaching $500 or more. This forecast is not based on speculation but on the inherent utility and design of XRP. According to Jack, XRP's architecture necessitates price appreciation to function effectively as a global liquidity and settlement asset.

Currently, XRP is trading at approximately $2.12, having more than tripled from its pre-November levels. Analysts maintain that its bullish structure remains intact. However, Jack argues that this price level is insufficient for XRP to fulfill its purpose in high-value, real-time global payments. For XRP to serve as a bridge currency for international settlement, enabling banks and financial institutions to move money across borders instantly and with minimal cost, a much higher price is not just desirable but inevitable.

Unlike many cryptocurrencies, XRP was not designed to be a store of value or a medium for retail transactions. Its primary function is to act as a bridge currency for international settlement, facilitating instant, low-cost, and low-risk money transfers across borders. As transactional volume increases, XRP's price must rise to ensure efficient liquidity provision. A low-priced asset cannot efficiently settle multi-billion-dollar flows without requiring massive amounts of tokens, which creates market slippage, volatility, and inefficiencies.

Jack believes this dynamic is inherent in XRP’s backend architecture. A higher price per token allows the same dollar value to be transferred with fewer units, making settlement faster, cheaper, and more stable—all essential attributes for real-world financial systems. Jack’s $500 projection, a 22,900% increase from current levels, may seem extreme, but he argues it’s mathematically and functionally sound. If XRP is to be used globally for high-volume payment rails, it must support trillions in daily flows. To do this without bottlenecks, each token must hold significantly more value.

Ripple’s ongoing expansion supports this argument. Its On-Demand Liquidity (ODL) platform already uses XRP to facilitate cross-border payments, while the RLUSD stablecoin, launched in December 2024, is being integrated into Ripple’s ecosystem to support broader liquidity use cases. Ripple’s partnerships with central banks and its growing presence in various regions indicate that XRP is evolving into a foundational piece of the future global financial infrastructure. As these networks mature and transactional demand grows, XRP’s price will likely need to rise to meet settlement demands efficiently, not to enrich holders, but to ensure the network functions as designed.

Crypto Jack’s call for XRP to reach $500 is based on utility, math, and scale. At $2.12, XRP may seem reasonably priced, but if it’s to become the backbone of real-time global payments, its price must reflect the scale of that mission. In Jack’s view, XRP’s moonshot isn’t speculative—it’s structural. And if he’s right, the next phase of XRP’s journey could be far more explosive than anyone expects.