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A crypto market commentator,
Rippler, has presented a detailed valuation model to support long-term price targets of $10, $100, and $1,000 for XRP. The analyst argues that these targets are achievable under specific adoption scenarios that leverage XRP’s technical capabilities and its role in global financial infrastructure.The analysis is based on five scenarios that could drive XRP’s price significantly. The first scenario involves XRP capturing a portion of the settlement volume currently handled by the global financial messaging network, which facilitates over $5 trillion in daily transactions. If XRP were to settle just 10% of these transactions, approximately $500 billion daily, it could drive XRP’s price to between $27 and $50. This estimate is based on liquidity demand and settlement velocity within such a framework.
The second scenario centers on pre-funded Nostro and Vostro accounts, where approximately $27 trillion in capital is locked to enable cross-border settlements. The analyst suggests that XRP could be a bridge asset to eliminate the need for such accounts. Facilitating even 5% of this total could support a valuation range of $80 to $100 for XRP.
The third scenario involves Ripple potentially obtaining a banking license, giving it direct access to central banks and the global financial system. If Ripple were to build a new financial architecture with XRP at the center, the analyst believes XRP would be “easily above $100.”
The fourth scenario expands on Ripple’s existing relationships with over 40 central banks and mentions in the IMF and BIS tokenization frameworks. Should XRP be adopted as a standard settlement layer by institutions like the IMF or World Bank, the projected price would be between $250 and $500.
The fifth and most aggressive scenario targets the global derivatives market, valued at roughly $1 quadrillion. The analyst suggests that if the XRP Ledger handles just 0.1% of this market’s settlements, XRP could exceed a price of $1,000.
Despite these bullish forecasts, Stellar Rippler acknowledges that XRP remains far from achieving such valuations due to regulatory uncertainty, market suppression, and institutional hesitation. The analyst attributes XRP’s stagnation to external factors slowing adoption until the traditional financial system is ready.
Currently trading near $2, XRP would require a market capitalization of about $582 billion to reach $10—a figure the analyst describes as “ridiculously achievable.” In contrast, a $1,000 price would imply a $55 trillion market cap, a scenario even the analyst concedes is speculative.
Still, the argument is that while Bitcoin’s rise was largely driven by belief, XRP’s future value could be derived from tangible use and integration. As stated in the thread, “Bitcoin went from pennies to $100K+ on narrative alone, XRP has real-world utility, banking ties, regulatory positioning, and tech light-years ahead….”
By grounding these targets in utility-based scenarios rather than hype, Stellar Rippler challenges the dismissive attitude toward high-end XRP valuations, reframing the asset as a candidate for serious institutional use rather than a speculative token.

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