A market pundit has revealed the numbers behind a possible XRP rally to four digits.

While XRP currently trades at around $3.13, some members of the XRP community believe it could eventually hit $100 or even $1,000. While many see those targets as unrealistic, market commentator Zach Rector recently explained how these figures might be possible.

XRP Does Not Need Equal Inflows to Hit Market Cap Milestones

Specifically, Rector addressed these predictions in a recent YouTube video, where he challenged the belief that XRP would need to receive an equal amount of capital inflow to match a $100 or $1,000 price point. 

He explained that if XRP hit $100, based on its current circulating supply of 59 billion, its market cap would stand at $5.9 trillion. At $1,000, this number would jump to $59 trillion. Most skeptics argue that XRP would need the same amount of money to flow into it to reach those values. Rector disagreed.

He called attention to the “market cap multiplier,” a concept that shows how inflows don’t need to match market cap growth dollar-for-dollar. According to Rector, the market doesn’t operate on a 1:1 ratio. 

Interestingly, he noted that he has tracked XRP’s order books and noticed that the multiplier varies depending on market sentiment. 

On red days, when prices drop, he saw the market cap shrink by $900 to $6,700 for every dollar that left the market. Meanwhile, on positive days, like the one following a tweet from former President Donald Trump that mentioned XRP as part of the crypto stockpile, he saw the multiplier hit over 500x.

The Maths Behind an XRP Rally to $100 and $1,000

Using these figures, Rector discussed how much XRP would need to reach $100 and $1,000. Specifically, with a 500x multiplier, XRP would only need about $11 billion in net inflows to hit $100. However, with a more conservative 100x multiplier, it would need around $58 billion. 

He pointed out that JPMorgan has already predicted XRP ETFs could bring in $4 to $8 billion in their first year, which shows that $11 billion isn’t far off. He argued that the gap between what’s needed and what’s already in motion isn’t as wide as many think, especially when looking at how much capital flows into Bitcoin and Ethereum ETFs.

For those who still feel skeptical, Rector made a more conservative estimate. Notably, if someone applies a more cautious 50x multiplier, then XRP would need around $116 billion in net inflows to reach $100. Even in this scenario, he sees the goal as achievable.

He then moved to the $1,000 price target. At a 500x multiplier, XRP would need $118 billion in net inflows to reach the $1,000 price. Meanwhile, a 100x multiplier raises that to roughly $589 billion. With a 50x multiplier, the requirement crosses $1 trillion. 

Rector Remains Skeptical XRP Could Reach $1,000

Still, Rector didn’t consider this impossible. He clarified that these are not short-term predictions, and he doesn’t expect XRP to reach these levels this year or next. However, he believes the path is there, and that the timing depends on how aggressively money moves into XRP, especially through ETFs.

Rector said the average multiplier he’s currently seeing ranges from 100x to 200x, depending on how intense the buying activity gets. He expects ETF inflows to push XRP into higher territory, possibly using more aggressive multipliers in the early stages. 

He called attention to suggestions from ETF analysts who believe XRP-focused ETFs could attract more capital than Solana-based ones. Notably, these comments came from Bloomberg ETF analyst James Seyffart and Bitwise CIO Matt Hougan.

Vincent Van Code, a well-known figure in the XRP community and a software engineer, believes XRP is on track for a strong rally by mid-August. 

He shared this sentiment after analyzing XRP’s price chart and current market conditions. Notably, his prediction revolves around a major regulatory deadline and growing signs of institutional interest in XRP.

Van Code Expects XRP to Rally in Mid-August

Specifically, in an initial post on X, Van Code pointed out that despite a recent dip in price, XRP still trades above all major exponential moving average (EMA) levels. For context, two weeks ago, XRP hit a yearly high of $3.66 before pulling back. Despite the pullback, it has held above the $3 psychological mark.

With XRP currently trading for $3.13, Van Code believes this correction is not a sign of weakness but instead indicates that XRP might be setting up a bear trap. For the uninitiated, a bear trap is a temporary downturn that shakes out investors before the price reverses and climbs higher.

Van Code noted that although he usually downplays the long-term value of technical analysis, traders can still use charts to understand short-term sentiment, especially when the market lacks major news. To him, if this current setup truly is a bear trap, XRP could rebound strongly either next week or the week after.

Upcoming Government Report on Crypto

Following his analysis, another XRP proponent suggested that large investors might be holding down the price intentionally. He claimed they want to accumulate more XRP before a major U.S. government report on digital assets gets released. 

For context, Bo Hines, who leads the President’s Council of Advisers for Digital Assets, confirmed that this long-anticipated report will come out on July 30. The commenter claimed the government report could lead to Ripple finalizing its legal settlement with the SEC.

Reasons Behind the Conviction

In response, Van Code clarified that Ripple had already deposited the $125 million fine into a bank escrow account. The funds will only be released once Ripple and the SEC officially drop their appeals. 

You're theories are sound except 125m pay with XRP.

Ripple has already paid the fine into a bank escrow account that will be released as soon as appeal from both parties is withdrawn.

When that will happen, who knows.

Just know the joint status report for the SEC/Ripple…

— Vincent Van Code (@vincent_vancode) July 29, 2025

He reminded the community that the SEC must update the appeals court by August 15. Notably, while the agency doesn’t face a hard deadline to withdraw its appeal, it must take some kind of action by that date. Van Code expects the case to close officially soon and believes both parties will likely end the appeals before the deadline.

In a follow-up comment, Van Code presented the reasons behind his confidence in XRP’s near-term future. According to him, if the SEC files the appeal dismissal, XRP will almost certainly rally. 

XRP price will no doubt go up mid August if SEC formally files appeal dismissal. Then potentially we see 100s of existing 1,700 NDA companies coming out.

And potentially ETFs bring approved and more filings by the bigger boys. https://t.co/C6LwtLVVpx

— Vincent Van Code (@vincent_vancode) July 29, 2025

He also pointed to Ripple’s 1,700 non-disclosure agreements with financial institutions and other companies. These NDAs, signed mostly between 2013 and 2020, show Ripple’s long-term efforts to integrate XRP into global payment systems. Van Code believes many of these companies could be waiting for legal clarity before launching public partnerships or activating their XRP-based systems.

He also mentioned the possibility of new ETF filings, hinting that major institutional players may finally step into the spotlight once the legal dust settles. Van Code said he sees a strong chance that XRP will climb higher in the next few weeks, as regulatory uncertainty clears and major institutions begin to move.

As XRP comes under pressure once again, WallStreetBets founder is pouring cold water on the overly optimistic sentiment about how high it could go this season.

In a tweet, Jaime Rogozinski, founder of WallStreetBets, claimed that XRP has experienced its most brutal long squeeze of 2025. According to him, it plunged 12% in a single session, catching many overleveraged traders off guard.

XRP’s Sudden Drop

The sudden drop likely refers to XRP’s plunge from over $3.50 to just below $3 in a single day last week, wiping out millions in long positions.

XRP has not fully recovered from the drop, having only reached $3.20 before a fresh retracement last night. This brought it dangerously close to losing the $3 level again.

Amid this, Rogozinski took to X to deliver a blend of sarcasm and market insight about XRP. According to him, mothing screams a volatile altcoin like watching long positions [in XRP] “evaporate faster than your weekend plans.”

Notably, data from Coinglass shows XRP was among the coins with the largest trader liquidations in the last 24 hours. Specifically, XRP traders lost around $21 million over the past day, with those betting on an uptrend accounting for $18.65 million of that.

Other coins with large long liquidations included Ethereum, Bitcoin, and Solana, with XRP ranking fourth.

“XRP $6 Still Achievable—If You Believe in Miracles”

While Rogozinski’s post highlighted the brutal nature of the recent market move, he didn’t entirely dismiss XRP’s potential. He suggested that $6 is still “achievable,” albeit sarcastically. He added that such a price level would only materialize for those who “believe in miracles and unicorns.”

His remarks reflect growing skepticism among some traders about XRP’s future price potential. Some commenters on Rogozinski’s post agreed with his take, citing ongoing XRP sales by Ripple co-founder Chris Larsen as a major red flag that many enthusiasts are ignoring.

While the scale of the pullback has shaken some holders, others remain unfazed. Influencers like Alex Cobb continue to describe the drop as a healthy retracement, predicting a rebound to as high as $15 this cycle.

Some XRP proponents responding to Rogozinski’s post even argued that he would regret his comments within two months. They pointed out that XRP remains one of the best-performing major cryptocurrencies, and that the recent drop is almost insignificant in the broader context.

Can XRP Still Hit $6?

Technically, XRP already touched $3.66 just two weeks ago, meaning a push to $6 would require a 64% gain from current levels. This required move is far from impossible in crypto terms. 

However, the coin has been trading below its all-time high of $3.84 for nearly eight years, and resistance at that level continues to prove formidable.

Still, many XRP supporters believe the current bullish factors surrounding the coin make even a $10 price target seem conservative. Interestingly, even Rogozinski projectedprojected last December that XRP could hit $8 if the broader crypto market cap hits $5 trillion.

With XRP holding firm above $3 after years of underwhelming performance, market excitement is intense about future possibilities.

However, while many focus on how high the token could climb, one analyst is asking a tougher question: how low could XRP fall in the next bear market?

EGRAG, a well-followed XRP chartist, has shared a sobering projection based on historical patterns and the psychology of crypto cycles. His analysis presents two scenarios that could unfold in the next bear market for XRP.

Scenario 1: $27 Top, followed by a $0.80 Crash

In EGRAG’s first scenario, XRP could rise as high as $27 in the coming months. He based this on a measured move from the yellow symmetrical triangle on the monthly chart. However, if history repeats, the aftermath could be brutal.

Using the same 97% drawdown witnessed after XRP’s 2017–2018 bull market peak, this scenario points to a potential bear market bottom of just around $0.80.

To put this in perspective, an investor holding 5,000 XRP bought at today’s price of $3 would see their portfolio grow to $135,000 if XRP reached $27. But in the projected bear market, that same portfolio could plummet to just $4,000.

EGRAG warns, “Can you handle that,” highlighting the emotional toll such volatility can have, even on seasoned holders.

Scenario 2: $9 Peak, $1.30 Buyback Zone

Meanwhile, a more conservative “Cycle 2” scenario sees XRP reaching $9, a level derived from the midpoint of the symmetrical triangle formation. In this case, applying an 85% decline, similar to the 2021–2022 drop, would bring XRP down to about $1.30.

EGRAG noted this level could become a buyback zone for investors looking to re-enter the market after the blow-off top.

Sub-$0.30 Not Off the Table

For long-term holders, EGRAG suggests that accumulating XRP below $0.30 remains a dream scenario, but not an impossible one. Historically, XRP has returned to its base levels after major market cycles, and this could happen again.

Despite the bearish projections, EGRAG remains confident that a final bullish surge is imminent. With XRP’s current consolidation above $3, he sees a setup for a potential vertical move.

“Bear Markets Are Over”

While EGRAG’s analysis outlines both bullish and bearish scenarios for XRP, a growing number of voices in the crypto industry believe that the historical cycle of bull and bear markets may now be a thing of the past.

Among those championing this view is Michael Saylor of Strategy, who recently stated on live TV that the “crypto winter” is not coming back. Matt Hougan, CIO of Bitwise, and Ki Young Ju, CEO of CryptoQuant, share this sentiment.

They argue that the unprecedented level of institutional interest and continuous buying pressure make dramatic price drops increasingly unlikely.

Still, EGRAG insists that market cycles cannot be ignored. To him, everything is cyclical, even the universe itself. In parallel, everything that goes up must come down.

Notably, industry leaders acknowledge the potential for market corrections. Yet, they do not believe that the kind of historic drawdowns of up to 90% are feasible in the current environment.