- XRP’s price potential has sparked debate, with claims that even $100 would be undervalued.
- Market realities and institutional adoption will determine XRP’s future, not speculative six-figure targets.
The debate over XRP’s future price has intensified, with some experts arguing even a $100 valuation will be too low. Host of The Black Swan Capitalist, Versan Aljarrah, believes that XRP’s ability to handle institutional demand makes six-figure valuations a necessity.
He forecasts that higher prices would bring greater liquidity and allow XRP to settle trillions in transactions. However, the ambitious forecast is received with strong skepticism by financial analysts as well as cryptocurrency enthusiasts.
David, Chairman and founder of Humanitarian Trust Compliance Services, had another perspective. He highlighted the transition in banking, emphasizing the move towards a gold-backed monetary system.
That’s not quite true and here’s why. In no more than 3 years banking financial institutions will be gone. Everything has changed from the abandonment of the Fractionalized Fiat Reserve Banking System to our new QFS w/a 100% gold asset-back currency standard.
All banks/credit…
— DavidXRPLion -ΑΩ- “Messenger of GOD’S REVELATION” (@DavidXRPLion) March 6, 2025
He argued that traditional banks are a thing of the past since new financial technologies and digital currencies are replacing them. He used the example of the Basel 4 requirements, which will be enacted in 2025, as a fundamental shift in financial regulation that could change how institutions conduct business.
Although he acknowledged Ripple’s stablecoin, RLUSD, as a good solution for banks, he believed the traditional banking system was on the verge of implosion.
Versan Aljarrah answered by acknowledging the transformation in the financial system but dismissing the idea that banks would disappear overnight. He noted that even though the U.S. Treasury has centralized management of the financial institutions, the system is still founded on debt and fractional reserve banking.
I see where you’re coming from, but I’ve been covering these shifts in the financial system for years just without the Q narratives, because I see them as a double-edged sword. While there’s truth in some of what’s being said, the broader picture is far more complex, and I…
— Versan | Black Swan Capitalist (@VersanAljarrah) March 6, 2025
He upheld that XRP and other crypto assets will play a role in the future financial world but cautioned against reducing complex economic changes to simple explanations.
XRP’s Value Tied to Adoption, Not Speculation
More and more cryptocurrency enthusiasts have responded against the idea that XRP can reach six figures. Some find that the claim is fundamentally flawed due to market limitations and unrealistic economic assumptions.
A good counterargument to a six-figure XRP is that liquidity is not necessarily the function of a high price. Market depth, trading volume, and ease of access are the true drivers of liquidity, not necessarily price increases.
Debunking the “Six-Figure XRP is a Necessity” Myth
This claim that XRP will reach six figures due to institutional demand and liquidity scaling is fundamentally flawed. Here’s why:
1. Liquidity Doesn’t Require a Higher Price
A common misconception is that a higher price makes…
— YUR COIN RESERVE (@yurcoinreserve) March 6, 2025
XRP’s technology allows for fast and inexpensive transactions, but its value will be decided by adoption, not arbitrary price levels.
The second issue is scalability. While the XRP Ledger (XRPL) is famous for being fast, it is not infinitely scalable. Network bottlenecks and validator centralization could create chokepoints under surging demand.
This calls into question the assumption that XRP would be capable of sustaining an extreme valuation without experiencing technical issues.
Market capitalization calculations are also an enormous challenge. A $100,000 XRP would put its market capitalization at over $5 quadrillion, far higher than global wealth.
Even at $100 for each XRP, its market cap would be more than $5 trillion, larger than giant companies Apple and Microsoft combined. This is not likely with present financial systems.
Institutional demand is another argument that goes against the six-figure story. Financial institutions typically use XRP as a bridge asset, rather than as a store of value.
They prioritize liquidity efficiency above speculative price targets. Despite growing XRP usage, it will not reach valuations that are against economic rationale.
Claver Breaks Down Key Growth Factors
Despite doubts over six-figure projections, some in the industry are still bullish on XRP’s prospects. Business consultant Jake Claver recently addressed XRP’s future growth on YouTube.
He believed that XRP could experience a huge price explosion, potentially reaching four figures in some situations.
Claver spoke of ongoing innovation in digital finance, like R3 and DTCC’s Project Ion, which are working on real-time settlement solutions. He argued that these initiatives could position XRP for broader adoption in global finance.
Claver also explored a scenario where XRP is competing with SWIFT, the world’s foremost payment network. He calculated that if the cryptocurrency were to receive 10% of SWIFT’s daily transaction volume, which exceeds $5 trillion, its price would reach $50 to $100. He added that restrictions on supply and increasing demand would propel XRP’s price surge.
The post Why XRP Needs to Hit Six Figures—$100 Is Just the Beginning appeared first on ETHNews.
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