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Peter Brandt Says XRP Holders Are the Most Uneducated Perma Bulls

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Veteran trader Peter Brandt has described XRP holders as among the most ignorant perma bulls in the financial space.

Specifically, Brandt argued that among all the markets he has traded over the past five decades, the most “uneducated” and biased permabulls he has encountered are those backing silver and XRP.

He framed his view around experience, noting that he has traded thousands of contracts across commodities, stock indices, and cryptocurrencies. From his perspective, XRP supporters fall into a category of investors who remain bullish regardless of price action, macroeconomic conditions, or repeated market setbacks.

XRP Community Pushes Back

As expected, Brandt’s comments triggered an immediate response from the XRP community. Zach Rector, a well-known XRP figure, countered by pointing to a recent shift in sentiment from Bitcoin maximalist YoungHoon Kim.

Kim, who claims to have the world’s highest IQ of 276, said on December 12 that he would now be buying XRP. The shift from Kim surprised many, given his long-standing Bitcoin-only stance.

Others took a different tone. X Finance Bull respected Brandt’s trading experience but argued that traditional chart analysis may not fully explain what’s happening with XRP. He suggested that larger economic and structural changes could matter more than chart patterns alone.

Meanwhile, Altcoin Buzz remarked that XRP supporters care less about short-term gains and more about a broader financial revolution. He views Brandt’s criticism not as an attack, but as the opinion of an experienced market veteran.

Silver and XRP Bulls Embrace the Label

Dr. Don Woods, who describes himself as a silver bull, joked that after seeing triple-digit gains, he does not mind being labeled uneducated or biased.

Jay Grissom echoed that sentiment, highlighting that XRP has moved from $0.005 to its current level above $2, while silver has risen from $3 to $61. Emphasizing long-term gains, he said he was happy to “bask” in the label.

History of Tension With XRP

Notably, this is not the first time Brandt has criticized XRP holders. Earlier this month, he described them as among the most obsessed perma bulls in the market, comparing their conviction to that of silver investors.

He has also made repeated bearish calls on XRP over the years, including predictions that it would trend toward zero against Bitcoin—forecasts that XRP supporters often note have failed to materialize.

At the same time, Brandt’s stance has not been consistently negative. Earlier this year, he identified a bullish chart pattern on XRP and projected higher price targets, one of which was later reached before the market pulled back.

Ultimately, Brandt relies on traditional chart analysis built on years of trading experience. XRP supporters, meanwhile, focus more on adoption, legal progress, and broader systemic changes rather than price charts alone.

Sistine Research Predicts 2 Digit XRP Price Which Looks More Likely

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XRP is at an important moment where a double-digit price appears increasingly likely, according to a fresh analysis from Sistine Research.

In a recent tweet, the market analyst drew attention to a key resistance zone on XRP’s market-cap dominance chart. It noted that a breakout from the current structure would significantly increase the probability of a major price run toward the long-watched $10–$15 range.

The Dominance Chart

According to the accompanying chart, XRP dominance is attempting to climb after months of underperformance against the broader crypto market. Specifically, the chart highlighted how XRP dominance faced rejection from a multi-month resistance band marked in green. During this time, it saw a controlled pullback, illustrated in red.

For context, XRP dominance currently sits at 4.09%, with XRP’s market cap at $122 billion. It is down from the peak near 4.5% in mid-2025, when it was about $210 billion in valuation. Accordingly, its spot price has fallen from $3.66 to the current $2 level.

Sistine Research's XRP chart
Sistine Research’s XRP chart

Meanwhile, instead of signaling weakness, this pullback brought XRP dominance back to a rising support line that has been forming for weeks. This pattern indicates the market is setting a higher low, a sign that momentum is building for a possible breakout.

Amid this formation, Sistine Research suggests a breakout is imminent from the current position.

XRP Set for a $600B to $900B Market Cap?

When dominance breaks out, it typically means money is rotating into the asset, and strong price moves often follow. Sistine Research suggests a jump toward the $10–$15 range is likely for XRP if this projected breakout reaches the green resistance area on its next attempt.

With XRP trading at $2 today, this suggests a 5x to 7.5x market-cap expansion. In particular, the research firm is projecting a $600 billion to $900 billion market cap for XRP in the next major breakout.

These prices would set new records for XRP, including a new all-time high and its long-anticipated entry into double-digit territory.

What Could Help XRP Break Out?

While promising, XRP dominance is not yet challenging resistance. Instead, it is holding above support and tightening within a rising pattern, which is generally as a sign of strength.

A major factor that could support a breakout outlook for XRP is if the broader market, particularly Bitcoin, turns bullish.

Right now, Bitcoin has been in a tug-of-war between bulls and bears, with the price bouncing between $89K and $93K multiple times this week without a decisive breakout.

Some XRP analysts have repeatedly suggested that the coin could decouple from the broader market as ETFs continue accumulating XRP at a historic rate. Yet, XRP’s price action has continued to fail to mirror ETF momentum. Instead, it remains aligned with the broader market.

Here Is XRP Price Prediction for 2026 if Bitcoin Hits $200K

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As 2025 winds down, market watchers are now focusing on what the new year could bring for leading crypto assets like XRP and Bitcoin.

This year, several crypto assets set new peaks following Bitcoin’s lead, including XRP and Ethereum. While most assets have lost much of their gains in the final months of 2025, optimism remains high that a rebound could occur in 2026.

New Bitcoin to $200K Predictions

For instance, Bernstein recently raised its 2026 Bitcoin price target to $150,000. The global asset manager cited more powerful institutional participation in crypto and a break from the traditional four-year cycle.

Beyond 2026, Bernstein projects a potential $200,000 Bitcoin peak in 2027, with a long-term path toward $1 million by 2033.

Bitmine Chairman Tom Lee echoed this extended bull-cycle view. Back in September, he projected that Bitcoin could reach $200K by December 2025. While this has not materialized, Lee has extended the outlook to 2026. Standard Chartered’s Geoff Kendrick shares a similar perspective.

While initially calling for $200K Bitcoin by the end of 2025, these analysts have now revised the timeline to 2026.

The Road to $200K

At press time, Bitcoin trades at $90,500. Reaching $200,000 from here would require a 121% price increase. At this level, Bitcoin would command a market capitalization of $4 trillion. Such an outcome would have a rippling effect across the broader crypto market, with altcoins benefiting even more.

Bitcoin typically commands 50% to 60% of the total crypto market share. If Bitcoin alone reaches a $4 trillion market cap, it would imply the broader crypto market could reach a valuation near $7 trillion, compared to $3.07 trillion today.

This promising outlook raises the question of what leading altcoins like XRP could be worth, given their history of mirroring Bitcoin’s surges.

XRP Price if Bitcoin Hits $200K in 2026

How precisely XRP’s price could react if Bitcoin surges to $200,000 is unknown. However, estimates can be made using several factors. One scenario assumes XRP merely maintains its current market dominance of 4%. In this case, XRP’s price would expand at a similar magnitude to Bitcoin.

With XRP at $2.04 at press time, this suggests a potential price of around $4.50, which would mark a new all-time high. Notably, XRP’s valuation would increase from approximately $121 billion to $270 billion.

This $4.50 price outlook aligns with expectations from analysts at 24/7 Wall St., who stated in November that Ripple’s RLUSD launch in Japan could be a major catalyst for XRP growth toward a new all-time high in 2026.

Can XRP Reach $10 to $15?

The $4.50 outlook reflects proportional growth relative to Bitcoin. However, many analysts argue that XRP could outperform Bitcoin’s momentum, as has been observed historically.

For example, after Donald Trump was elected president for a second term in November 2024, Bitcoin’s price doubled from around $60,000 to a peak of $126,200.

Meanwhile, during the same period, XRP surged more than sevenfold, rising from $0.50 to $3.66. In other words, XRP experienced more than three times the price expansion of Bitcoin during the post-election bull run. A similar outperformance also occurred during the 2017–2018 cycle.

These historical precedents have led some to argue that XRP could capture additional market share and surpass the 121% growth required to reach $4.50. Among the widely discussed projections for the coin is a $10 to $15 price range.

In a recent analysis, Sistine Research argued that XRP could “easily” break out toward the $10–$15 range if its market dominance overcomes a key multi-month resistance, rising from 4% to 4.5%. Under this scenario, the firm considers $10 to $15 to be a realistic outlook for XRP.

Expert Says Investors Who Have Amassed 10,000 XRP Will Attain Financial Freedom

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A market expert suggests that investors who have accumulated up to 10,000 XRP tokens may not understand how free they’ll be.

Edoardo Farina, XRP community figure and founder of Alpha Lions Academy, suggested this while speaking on XRP’s future prospects. Notably, at the time of his disclosure, XRP traded above $3. Today, the token has slipped toward the lower end of the $2 region, but there could be a silver lining.

10,000 XRP Could Lead to Financial Freedom

Farina, who has persistently maintained a bullish stance around XRP, further confirmed his sentiment in a post on X months back. According to Farina, market participants who have managed to accumulate up to 10,000 XRP sit in a unique position among crypto investors. 

“It’s hard to understand how free you’ll be,” the market pundit insisted. Farina’s commentary stems from his confidence in XRP’s long-term outlook, as he has persistently suggested that XRP remains undervalued at its current price levels. The pundit expects XRP to reach greater heights, making these 10,000 tokens worth enough to make holders financially “free.”

Interestingly, data from the XRP Rich List indicates that only a few investors hold up to 10,000 tokens, indicating how premium this tier is. Specifically, only 182,951 wallets hold between 10,000 and 25,000 XRP tokens. With XRP currently boasting 7.396 million existing wallets, this number translates to 2.47% of all addresses. 

XRP Rich List
XRP Rich List

Most addresses, about 6.037 million or 81% of the total, hold from 0 to 500 tokens. This confirms that while over 7.3 million wallets hold XRP at press time, there is still an opportunity for most of these addresses to amass more tokens at discounted prices, especially considering XRP’s current position.

Opportunity for Discounted Purchases?

Since Farina’s disclosure, XRP has dropped 36.5% to the current price of $2.02. However, some experts regard these low prices as accumulation opportunities. For instance, last month, R2CTrading suggested that the ongoing XRP downtrend presented an early “black Friday” opportunity for investors. 

This makes sense, considering how much lower it would take investors to procure 10,000 XRP today compared to earlier this year. Specifically, at the current price of $2.03, anyone looking to amass 10,000 XRP would spend $20,300. At the time of Farina’s disclosure, the cost was $32,000, about $11,700 more.

If Farina’s bullish outlook does play out, especially the $100 target, market participants who buy XRP at current prices would only be amassing the token for less, potentially reaping higher gains. However, rallies to higher targets are not a guarantee for XRP. As a result, investors should not regard this as investment advice.

Despite the uncertainty, multiple analysts remain bullish, with EGRAG Crypto repeatedly targeting the $27 mark. Notably, the launch of XRP ETFs, which have attracted over $974 million in inflows over 20 consecutive days of positive capital flows, has bolstered this confidence. In addition, Ripple just recently received conditional approval for its U.S. bank charter, leading to positive sentiments.

CNBC Host of ‘Crypto Trader’ Says Never to XRP

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Ran Neuner, Host of CNBC’s “Crypto Trader” show, insists he will never get along with the XRP community despite recent developments surrounding the XRP and Solana ecosystems.

Neuner (@cryptomanran), who has been a persistent XRP critic, is not ready to extend an olive branch just yet. The veteran market commentator confirmed this in a recent disclosure on X when asked about the possibility of such a move following a recent development that brought the XRP and Solana communities together.

XRP Now on Solana

For context, on Dec. 12, Hex Trust, an institutional custodian, confirmed the launch of wrapped XRP (wXRP), a 1:1 version of native XRP that works across multiple blockchains, including Solana, Ethereum, Optimism, and HyperEVM. 

Hex Trust built the project on LayerZero’s Omnichain Fungible Token (OFT) standard, allowing holders to mint and redeem through fully compliant systems while keeping full custody. Notably, this opens up XRP for lending, liquidity pools, and yield farming.

Neuner Maintains Hostility

Following the development, Vibhu Norby, Solana Foundation’s Head of Product Marketing, who has also been a persistent critic of XRP, turned a new leaf, taking to X to acknowledge XRP’s unique value proposition. Vibhu stressed that he has come to understand the uniqueness of XRP and its community.

However, Neuner, who has also identified as a long-term Solana proponent, confirmed he would not be changing his stance. Citing the latest XRP-Solana development, crypto investor Pedro Silva suggested that it may be time for Neuner and the XRP community to finally get along on Solana, which Silva called Neuner’s favorite network.

Responding, Neuner simply said “Never,” suggesting he has no intentions of building back the bridges he has burned with the XRP community after years of persistently criticizing the token and its investors.

Ran Neuner on X
Ran Neuner on X

Neuner’s Persistent XRP Criticisms

Neuner’s criticisms go as far back as 2018, after XRP collapsed from the $3.3 peak earlier that year. While the market pundit has often made positive statements surrounding XRP, especially after its legal victory against former SEC Chair Gary Gensler, his overall stance on XRP is that it is overvalued and centralized.

For instance, in February 2022, when Terra (LUNA) continued to gain ground in the market, Neuner suggested that the token was on the verge of overtaking Solana. 

However, he questioned how XRP actually remains above both SOL and LUNA, implying that it ought to be valued less. Interestingly, three months later, LUNA crashed by 99%.

Meanwhile, in January 2021, Neuner predicted that XRP would lose its top 10 spot by June 2021 and further drop below the top 20 list of largest crypto assets by the end of 2021. Nonetheless, this failed to materialize, as XRP held its 7th spot throughout 2021. Today, it has claimed the 4th spot despite ongoing market turbulence.

Some XRP Critics Have Flipped

Notably, some other market pundits who also persistently criticized XRP appear to have changed their stance. For instance, veteran analyst Raoul Pal, who insisted that XRP holders switch to other assets, admitted his wrong after XRP soared in November 2024. Pal has since flipped bullish. 

In addition, industry leader and billionaire Mike Novogratz also changed his stance on XRP after years of criticism, suggesting earlier this year that XRP has remained relevant due to its vibrant community. Last month, Novogratz said XRP is one of the few assets that actually turned into money.

New Linear Regression Models Predicts How High XRP Could Go

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While XRP has struggled with the rest of the crypto market, analyst EGRAG shows its linear regression model still points to bullish long-term targets.

Specifically, after a strong showing in July 2025, when it rallied by an impressive 35% to cross the $3 mark, XRP slipped into a bearish position the following months, collapsing by as much as 8.15% in August to lose the $3 mark. Despite a slight 2.55% recovery in September, XRP has maintained a downward trend since then.

Today, the crypto asset is down nearly 45% from its July 2025 peak, currently trading for $2.02, as the bears battle to flip the $2 level from support to resistance. Despite this recent downtrend, EGRAG Crypto has maintained his long-term bullish stance, as he continues to take data from chart structures.

XRP’s Interaction with the Regression Channel

This time, the market analyst called attention to XRP’s long-term linear regression channel on a logarithmic scale. For the uninitiated, a linear regression channel is a trading tool that uses price data to draw a straight trend line showing the overall direction of the market. 

It then places two parallel lines above and below that trend at equal distances, often based on price volatility. Notably, the center line shows the market’s average value, while the upper and lower lines serve as moving resistance and support levels.

Notably, data from EGRAG’s monthly chart shows that XRP slipped below the lower trendline of the channel during the contagion from the Terra collapse in May 2022 and remained underneath the channel until November 2024, when the Trump-led rally pushed prices toward $2. 

XRP Regression Channel EGRAG Crypto
XRP Regression Channel | EGRAG Crypto

XRP slipped into the channel in December 2024 and January 2025. However, with the retracement in February 2025 and the price struggles throughout this year, XRP has again slipped below the lower trendline, currently battling to re-enter the channel. 

Three Important XRP Price Levels

According to EGRAG, there are three important price targets for XRP if the crypto asset overcomes bearish pressure and pushes into the linear regression channel. Notably, each price target aligns with a level within the regression channel.

Specifically, the first price level sits around the January 2025 high of $3.4, aligning with the lower trendline. EGRAG referred to the $3.4 mark as the mean reversion, noting that if XRP ever attempts to claim this area but faces rejection, this will represent one of its strongest bearish indicators. However, if XRP closes above this region, it will have entered bullish territory.

Meanwhile, the next price level rests on $10, representing the upper midline or two standard deviations above the regression midline (+2D). EGRAG believes XRP would witness full expansion at this point. Nonetheless, he confirmed that the price level in this area typically rises due to the logarithmic nature of the chart.

Importantly, the most bullish level is around $27, which marks the top of the channel. This area represents a 1,236% increase from XRP’s current price. According to EGRAG, several long-term confluences also lead to this $27. Last month, he suggested that XRP could follow two paths from the prevailing position, but both paths would still lead to the $27 price.

Ripple Gains OCC Approval to Charter National Trust Bank, CEO Takes Aim at Banking Lobbyists

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Crypto-focused payments company Ripple has secured conditional approval from the U.S. OCC to charter Ripple National Trust Bank. 

Ripple CEO Brad Garlinghouse announced the development on Friday, describing it as a significant step forward for the company’s U.S. expansion, particularly for its U.S. dollar–backed stablecoin, RLUSD. He emphasized that the approval reinforces Ripple’s commitment to operating fully within the U.S. regulatory framework. 

 

Other Crypto Entities Secure Similar Approval 

The approval follows Ripple’s application for a national bank charter in July. At the time, many observers doubted the company’s chances, as crypto firms have historically faced steep hurdles in obtaining such licenses. Prior to the application, Anchorage Digital was the only crypto-related company to secure a national bank charter.

However, buoyed by what it viewed as a more pro-crypto regulatory climate under the Trump administration, Ripple moved forward with its application. Similarly, other major crypto entities, including Circle and Fidelity Digital Assets, have also sought national trust bank charters. The OCC has now granted conditional approval to these firms, including Ripple, signaling a broader shift in regulatory openness. 

By securing federal-level conditional approval, Ripple places RLUSD under direct OCC supervision. At the same time, the stablecoin remains under state-level oversight by the New York Department of Financial Services (NYDFS). According to Garlinghouse, this dual regulatory framework establishes the highest standards for stablecoin compliance in the United States.  

Garlinghouse Takes Aim at Banking Lobbyists 

Notably, he argued that the move directly challenges a long-standing criticism from traditional banking interests that crypto firms operate outside established financial rules. Instead, Ripple’s progress, in his view, clearly contradicts that narrative.

By securing this approval, Ripple is voluntarily placing itself under the same federal regulatory framework that governs traditional banks, thereby signaling a strong commitment to compliance, consumer protection, and institutional-grade trust.

Meanwhile, Garlinghouse used the announcement to take aim at banking lobbyists, accusing them of deploying anti-competitive tactics. He contended that complaints about crypto’s regulatory status are increasingly hollow, as companies like Ripple are not only operating within existing rules but, in some cases, exceeding them.

Ultimately, he posed a direct challenge by asking what these critics are truly afraid of, underscoring his belief that resistance from segments of the traditional financial sector stems more from fear of competition than from genuine regulatory concerns. 

Next Steps 

In the meantime, the OCC clarified in its statement that the decision represents only a preliminary, conditional approval. The regulator stressed that Ripple National Trust Bank will not commence operations until it fully satisfies all pre-opening requirements. 

Until final approval is granted, the OCC noted that it retains the authority to amend, restrict, or even suspend the conditional license if circumstances or subsequent actions warrant such measures.  

Here’s New XRP Price if It Captures a Slice as Franklin Says $2.3T Moved from Banks to New Rails

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How high could the XRP price surge if XRP captured a slice of the $2.3 trillion capital Franklin Templeton confirmed moved from banks to new financial rails?

Notably, a recent interview between Paul Barron and Franklin Templeton executive Sandy Kaul highlighted a major change in how younger generations move and grow their money. 

Barron called attention to a gap between age groups in their approach to investing. He said many baby boomers now try to lower their exposure to risk, while Gen X investors, including himself, still take an active role in the markets and feel more comfortable taking on risk. 

$2.3T Has Moved from Banks to New Rails

He also noted that millennials and Gen Z think about wealth in a very different way, especially as many of them work flexible or hybrid jobs. He asked if this younger group might feel more confident making bold moves in new financial sectors because of their comfort with technology and digital tools.

Responding, Kaul agreed. She explained that older generations usually built wealth through retirement portfolios and homeownership, but today’s young adults struggle to enter the housing market. As a result, many of them now look for new ways to build long-term financial stability. 

She highlighted a report showing that about $2.3 trillion has already left traditional banks for financial apps and open-banking platforms. She said this change continues to grow because younger investors trust digital tools that help them maximize their future earnings.

Her comments slipped into the XRP community, which views XRP as one of the digital assets built to function as a modern institutional liquidity rail. 

Some investors believe XRP could capture a share of this massive capital migration. With XRP trading around $2.02, it remains uncertain how much the value could rise if it absorbs even a fraction of the $2.3 trillion shift. To explore this, we asked Google Gemini.

Possible XRP Price if XRP Captures a Chunk

In response, Gemini called any potential projection hypothetical and extremely optimistic. The chatbot noted that Kaul’s comments point to a large move of capital into new digital rails, an area where XRP aims to play a major role. 

Further, Gemini stressed that crypto markets do not move in a simple 1:1 pattern because market value depends on the last traded price and the available supply. Since exchanges often have limited liquidity, even small inflows of real money can cause market caps to jump by a much larger amount. 

Gemini then highlighted earlier research suggesting that $1 entering Bitcoin markets can expand its market cap by as much as 118x. Many market commentators leverage a multiplier of 10x to 50x for the broader crypto market.

XRP Price Prediction Google Gemini
XRP Price Prediction | Google Gemini

Using XRP’s circulating supply of about 60.3 billion tokens, Gemini presented a few possible scenarios. First, if XRP attracted 5% of the $2.3 trillion shift, about $115 billion, and markets reacted with a 20x multiplier, XRP’s market value could rise to roughly $2.42 trillion. Gemini calculated this scenario to lead to an XRP price of $40.11. 

However, in a more bullish scenario where XRP captured 10%, around $230 billion, and the market reacted with a 40x multiplier, Gemini estimated a total value near $9.32 trillion and a price around $154.50. 

Overall, Gemini said XRP could theoretically reach between $100 and $150 under the most bullish conditions. However, it emphasized that XRP competes with stablecoins and Bitcoin, and that large token releases from Ripple’s escrow could reduce the multiplier effect.

Pundit Explains How XRP Could Hit $10,000 in AI-Driven Future Boom

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Widely followed XRP commentator Armando Pantoja has revived the discussion around whether XRP could eventually reach a price of $10,000.

He acknowledged that many often dismiss this figure as unrealistic due to concerns over market capitalization. However, Pantoja argues that critics are missing a crucial variable: the rise of the AI Singularity.

He argues that when AI outnumbers humans ten to one, value will need to transfer instantly, causing the addressable market to expand dramatically and market caps to soar. In his view, XRP was designed for this future scenario.

Crypto’s Journey Through Crisis and Innovation

Pantoja places XRP’s future potential within the broader arc of cryptocurrency history. He explains that difficult times often lead to significant innovations. For example, the 2008 financial crisis and the U.S. government’s $700 billion bailout caused many to lose trust in traditional banks.

In the aftermath, between 2009 and 2012, Bitcoin quietly emerged, and XRP was created to make sending money as easy as sending light.

Meanwhile, the 2014 Mt. Gox hack was a dark moment for crypto, but ultimately helped the community grow stronger.

Between 2015 and 2017, Ethereum introduced the concept of “programmable money,” sparking the DeFi movement. Since 2017, crypto has grown increasingly mainstream, with banks and major corporations getting involved.

AI Singularity: Why It Changes Everything

Pantoja’s main thesis centers on the AI Singularity, a hypothetical future point at which artificial intelligence surpasses human intelligence. He envisions a world where machines are not only highly intelligent but vastly outnumber humans, requiring access to resources and choosing crypto as the medium of exchange.

He believes that in a world run by machines, traditional financial systems will be too slow. Digital currencies like XRP, Bitcoin, and Ethereum will be essential because they can move value instantly and be programmed for complex tasks.

Market Caps “Once Thought Impossible”

In this context, Pantoja asserts that a leap to $10,000 per XRP becomes feasible when factoring in the exponential expansion of global markets driven by AI.

In a future where value moves at the speed of light, economies are automated, and wealth is measured by access to data and computing power, he argues that crypto will sit at the heart of the global financial system.

“Technology and money, once separate, are now merging,” he says. “With AI at our side, we mine the heavens for gold and metals. But crypto remains scarce, based on math and truth.”

The idea is that at $10,000 per XRP, the network would have massive liquidity enough to support trillions of dollars in transactions. For example, with today’s market cap around $170 billion, the XRP network can’t handle $1 trillion transfers.

But if 1 XRP were worth $10,000, the total value of the network would be approximately $500 trillion, making such large-scale transfers possible.

Still, as exciting as this vision sounds, it remains highly speculative and faces strong criticism. Nonetheless, proponents continue to push the idea.

XRP for the Future of Finance

According to Pantoja, the future of finance is already taking shape through three key innovations. Bitcoin serves as digital gold, a store of value. Ethereum is the foundation for programmable money and decentralized applications. And XRP is designed to be the global payment system of the future.

As AI creates new markets and rapidly expands the economy, Pantoja believes XRP and other cryptocurrencies could reach price levels that once seemed unimaginable.

Here’s What 3,000 and 7,000 XRP Could Be Worth If SWIFT Corridors Migrate to RippleNet

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What could be the impact on XRP price if SWIFT corridors migrated to RippleNet, Ripple’s XRPL-based payment network?

Over the past few years, XRP proponents and industry leaders have discussed whether XRP might eventually work with SWIFT or even replace the network.

Could XRP Work with SWIFT?

For instance, in 2015, Ripple Chairman Chris Larsen told Global Finance Magazine that Ripple connects payment networks for real-time settlement in any currency and can work alongside existing systems like SWIFT or ACH. 

Ripple Chairman on X
Ripple Chairman on X

Moreover, earlier this year, Ripple CEO Brad Garlinghouse said XRP could capture 14% of SWIFT’s volume within 5 years. 

Notably, these comments have led to an assessment of how XRP price could react if SWIFT corridors, which facilitate the network’s payments, moved to RippleNet.

SWIFT Corridors

For context, SWIFT corridors represent direct payment routes between financial institutions in different countries and currencies across the SWIFT network. SWIFT currently runs about 40,000 of these routes, covering more than 150 currencies and more than 200 countries and territories.

Recent data shows the existence of about 40,000 total corridors in 2024. These corridors handle about $150 trillion in cross-border value each year, equal to about 1.5x global GDP. In addition, the network processes more than 47 million daily messages as of mid-2025. 

Notably, about 60% of wholesale payments arrive in destination accounts within 1 hour after a SWIFT message goes out. The most used currencies include USD at 50% of total value, EUR at 23%, and CNY at less than 4% as of early 2025. 

Meanwhile, SWIFT has also continued to expand of late. Daily messages rose from about 32 million in 2015 to more than 47 million in mid-2025. In addition, annual value is projected to reach $125 trillion in 2025, which marks 4% annual growth. The network now moves an amount equal to global GDP roughly every 3 days. SWIFT also announced ISO 20022 migration in November 2025. 

XRP Price if SWIFT Corridors Migrated to RippleNet

Considering this scale, we recently assessed how the crypto asset might react if SWIFT corridors eventually migrate to RippleNet, with XRP trading at $2.04 at the time of analysis. To get an overview, we turned to Google Gemini.

Gemini modeled what would happen if RippleNet handled the entire $150 trillion in annual flows. It explained that such a model must consider both transaction utility and the liquidity depth institutions require to avoid heavy price swings. In other words, the asset must hold enough market value to settle global payments without severe volatility.

According to Gemini, $1150 trillion in volume per year equals about $410.9 billion per day. Meanwhile, analysts often apply a “liquidity multiplier” in these calculations. 

In ordinary utility systems, fast settlement allows lower prices because the asset moves many times per day. However, in institutional systems, deep liquidity matters. Traditional FX markets often hold market values 10x–20x daily volume. As a result, Gemini used a 15x multiplier.

XRP Price Prediction Google Gemini
XRP Price Prediction | Google Gemini

A $410.9 billion daily requirement multiplied by 15 produces a hypothetical market cap of $6.16 trillion. With a circulating supply of 60.25 billion XRP, this model places the token at around $102.24.

Meanwhile, a more bullish outlook considers global reserves and derivatives. If XRP captured 10% of the global derivatives market, which exceeds $1 quadrillion, or matched gold’s $13 trillion market cap, the model places XRP at about $215.76.

Here’s What 3,000 and 7,000 XRP Could be Worth

This shows how much retail holders could gain if this extreme scenario plays out, especially for those holding 3,000 to 7,000 XRP. At current prices, 3,000 XRP worth $6,120 could jump to $300,000 to $645,000. This increase would give the holder profits of $293,880–$638,880. 

Meanwhile, investors with 7,000 XRP, currently valued at $14,280, could see their holdings climb to $700,000 to $1.505 million, creating profits of $685,720 to $1.49 million. 

However, these projections rely on XRP capturing 100% of SWIFT’s volume and assume institutions would hold XRP instead of buying and using it within seconds. 

This scenario remains unlikely, especially since SWIFT continues to explore blockchain options such as a SWIFT-issued blockchain while ignoring the XRPL. These projections also do not factor in competition from CBDCs and private stablecoins, which now pursue similar settlement goals.