XRP is drawing renewed investor attention after climbing to a four-month high, fueled by broader crypto market momentum.

Analysts are increasingly confident that an explosive upside is just around the corner, suggesting that going all in on XRP at this point may be a smart move. Notably, seasoned analyst Ali Martinez shared this perspective in a recent post on X.

Zooming Out on XRP

Martinez presented a historical chart showing how XRP has broken out of a massive symmetrical triangle that has been forming since 2018. This long-term chart shows a consolidation structure narrowing over the past seven years, culminating in a recent upward breakout that began in November 2024, during which XRP experienced a 7X price surge.

Following this, XRP entered a brief ranging period. Now, the chart suggests the coin is set for the next breakout phase.

Martinez expressed strong optimism, noting that when considering this broader perspective, “it’s hard” not to feel confident about going all in.

He pointed out that if XRP manages to close above $3 on the weekly chart, it would confirm the breakout and could pave the way for a potential rally toward $6 or beyond.

As of today, XRP is already testing this resistance level. The coin has reached an intraday high of $2.96, its highest level in four months.

Fibonacci Targets Hint at Major Upside

Martinez’s chart features key Fibonacci extension levels confirming XRP’s next potential targets beyond $3. The 1.272 level points to $5.96, which becomes the next immediate target once the $3 resistance falls.

Further bullish momentum could push XRP to $8.96 and $16.17, aligning with the 1.411 and 1.618 Fibonacci levels. The chart identifies $26.24 as the most promising long-term target based on historical Fibonacci projections.

Bitcoin Surge Adds Fuel to Altcoin Momentum

Notably, XRP’s ongoing rally coincides with Bitcoin hitting a new all-time high of $122,600, reigniting risk appetite across crypto markets. As Bitcoin leads the charge, altcoins like XRP are following suit, benefitting from renewed liquidity and investor optimism.

Prioritize XRP?

Meanwhile, XRP continues to be favored by many market watchers during this bull run. Even before Martinez’s analysis, several others had suggested that prioritizing XRP over other crypto assets might be the best bet for investors.

Beyond technical indicators, several pro-XRP developments in recent months are fueling the bullish sentiment.

For instance, Ripple is expanding operations through a partnership with BNY and is advocating for RLUSD adoption, including efforts to secure a national bank charter and a Federal Reserve master account.

XRP ETFs are also making headlines. ProShares, Turtle Capital, and Volatility Shares are launching multiple futures ETFs this month.

On the historical front, XRP surged nearly 600% between November 2024 and January 2025, massively rewarding those who held during that period. Given these factors, analysts warn that going all in on XRP could be a priority for investors.

A market pundit has assessed which could offer better returns on investment between XRP gaining by $2 and Bitcoin rising by $20,000.

Notably, the broader crypto market has embarked on an impressive recovery push, with Bitcoin (BTC) leading the charge. Amid this rally, the altcoin market (TOTAL2) has added $180 billion in valuation over the past week. 

However, while Bitcoin has claimed new all-time highs, the latest being around $122,000, altcoins like XRP still trade below their all-time highs and even their peaks for this year. Despite this, they seem to be performing better than Bitcoin in the latest market-wide uptrend.

For instance, while Bitcoin is up 11.89% in the past week, XRP has gained a massive 29.51%, delivering better gains. Amid the divergence in performance, market pundit and software engineer Vincent Van Code compared the possible returns investors could get from XRP and Bitcoin after respective gains.

Which Will Make More Money: XRP Gaining $2 or Bitcoin Rising $20,000?

Notably, van Code asked which would bring in better returns between XRP gaining by $2 and Bitcoin appreciating by a whopping $20,000. He maintained that any investor who would prefer holding BTC on a $20,000 gain actually needs to learn more about percentage changes.

According to van Code, the reason he presented this commentary is that he has been witnessing multiple comments from other investors and market participants, which indicate that they do not really understand how these market moves work.

Bitcoin Could Yield $17,000 and XRP Would Present $75,000 Gain

Specifically, the pundit pointed out that while Bitcoin gaining $20,000 would translate to a 17% increase, XRP’s rise by $2 would push its price up by a massive 75%.

For context, if an investor had committed $100,000 to Bitcoin, this investment would have yielded a $17,000 gain if Bitcoin grew by $20,000. However, if an investor had bought XRP worth $100,000 and XRP grew by just $2, this $100,000 investment would have presented a massive profit of $75,000.

XRP Requires Less Capital to Move

Van Code’s latest commentary highlights the sentiment that XRP is more susceptible to offering better returns on investment than Bitcoin if both assets move upward. This is due to the fact that XRP would require less capital to skyrocket by large margins than Bitcoin. Crypto educator Edoardo Farina noted this earlier, urging Bitcoin investors to divest to XRP.

Interestingly, Johnny, co-host of The Good Evening Crypto show and founder of Merlin, also discussed this prospect in an analysis last week. According to Johnny, it would take $2 trillion in capital to push Bitcoin price up by 2x with its current market cap of $2 trillion. However, with XRP’s market cap of $130 billion at the time, it would take just $130 billion for XRP to grow by the same 2x.

Now, XRP has added $42 billion in market valuation since then, with its current market cap now sitting at $172 billion, as it again surpasses Tether (USDT) to become the third-largest crypto asset by valuation.

Interestingly, while Bitcoin has added $280 billion since July 8, much higher than XRP’s $42 billion gain, XRP has made investors more money within this period. Specifically, those holding BTC worth $100,000 have gained $13,000 since July 8. Meanwhile, investors holding XRP worth $100,000 have added $32,000 to their bag.

Amid continued discussions around the utility XRP boasts in payments, what could its price grow to if every major bank uses it globally for cross-border payments?

XRP’s Appeal in Global Payments

Ripple points to its growing role in global payments, especially through Ripple’s On-Demand Liquidity (ODL) platform, now rebranded into Ripple Payments.

For context, ODL allows banks to use XRP as a bridge currency. It allows them to settle cross-border payments without pre-funding accounts in destination currencies. This setup lowers transaction costs, speeds up settlements, and improves transparency.

Also, Ripple’s legal battle with the SEC reached a turning point in 2023 when XRP secured regulatory clarity in the U.S. That win boosted institutional confidence, especially among banks looking to leverage XRP within the American market. 

However, as the case lingers, these institutions remain cautious. With the case now nearly over, speculation has grown about XRP’s role in the future of banking. Some now believe that global banks could use XRP to handle cross-border payments. 

Nonetheless, it remains unclear how this could impact the XRP price. As a result, in response to the growing curiosity, we asked OpenAI’s ChatGPT to highlight what XRP’s price could look like in the most optimistic scenario, translating to full adoption by major banks worldwide.

Price of 1 XRP if Every Bank Adopts It for Cross-Border Payments

ChatGPT discussed several very bullish models, each based on a different approach to value. In one of the most aggressive estimates, it imagined XRP capturing 10% of the $150 trillion that SWIFT processes every year. 

Using a velocity of three, meaning each XRP gets used three times annually, it calculated that the system would need $5 trillion worth of XRP to function. Now, with a circulating supply of 60 billion tokens, that would push XRP’s price to roughly $83.33.

Meanwhile, another model looked at the total cross-border payments market, which includes corporate payments, retail flows, and remittances. The market adds up to about $200 trillion each year. If XRP handles just 5% of that volume and turns over five times annually, it would need $2 trillion in active supply. Such a setup would support a price of $33.33 per XRP.

However, ChatGPT presented a more conservative estimate, focusing on bank reserves rather than transaction flows. Notably, it assumed that 1,000 top global banks each held $500 million worth of XRP to meet their liquidity needs. 

This level of adoption would add up to $500 billion in holdings. Considering the circulating supply of 60 billion tokens, XRP’s price in this case would land at around $8.33.

Overall, ChatGPT stressed that XRP’s velocity is an important factor to consider regarding its pricing. Notably, the faster it moves between hands, the less supply the system needs to hold at any given time, which reduces upward pressure on price. 

Still, if banks adopt XRP on a wide scale, price projections across all models show meaningful upside. If XRP becomes the go-to tool for international settlements, its price could jump anywhere from $8 to over $80.

As the XRP price breaks into new territory, analysts and developers are sharing fresh insights into the forces that may drive the token’s long-term price trajectory.

According to software engineer Vincent Van Code, a self-reinforcing cycle of scarcity, demand, and utility could sustain XRP’s upward momentum.

Only 100 Billion XRP

Van Code first cited XRP’s fixed supply. Unlike fiat currencies or inflationary tokens, XRP has a hard cap of 100 billion coins, with no more ever to be created. This fixed supply provides a predictable framework for long-term valuation.

Meanwhile, over 14 million tokens have been burned from this supply through transaction fees, reducing the overall available amount.

Less Than 20 Billion in Circulation

However, according to Van Code, fewer than 20 billion XRP are actively available for use in Ripple’s On-Demand Liquidity (ODL) system and the open market. The rest are either in escrow or held by early investors and long-term holders who are not selling. This perspective emphasizes a limited volume of XRP for day-to-day liquidity.

Demand Pushes Price Up

Notably, ODL, now known as Ripple Payments, leverages XRP for cross-border settlements and continues to expand. Van Code explains that as demand for XRP increases, whether for long-term holding or near-instant liquidity, this naturally increases buy pressure.

Price Rise Increases Investor Confidence

In parallel, he noted that as XRP’s price rises, confidence in its long-term value grows as well. This leads more investors to hold (HODL) rather than sell, removing even more XRP from active supply.

HODLing Reduces Supply for ODL

The effect compounds is that as more investors hold XRP, less becomes available for ODL or for new entrants. In Van Code’s view, this creates a scarcity feedback loop, further driving prices upward.

ODL Is Indifferent to XRP’s Market Price

Meanwhile, Van Code points out that ODL is indifferent to XRP’s market price. Since institutions buy and sell XRP within seconds during transactions, they incur no significant gain or loss. Essentially, it’s immaterial whether XRP costs $0.30 or $10,000. This makes XRP highly scalable as a utility token.

In parallel, Van Code emphasizes that investors should view XRP as a tool for institutions to repeatedly generate value similar to how BlackRock uses Bitcoin in ETFs to earn management fees, not just speculate on price. In comparison, XRP offers a transactional advantage where value is created in motion, rather than in storage.

Escrow Controls: Ripple’s Version of Oil Price Strategy?

Van Code further argues that Ripple’s massive XRP escrow plays a crucial role in this dynamic. According to him, it helps prevent a supply shock that could destabilize the global market.

Building on this perspective, Brad Kimes, founder of Digital Perspectives, likened XRP’s escrow system to oil price controls. “The XRP escrow will never let it all out into the wild,” Kimes said.

🎯 The XRP escrow will never let all out into the wild.

Think of how the price of oil is controlled.

And lock in. 😎👇 https://t.co/hxq8EydXi9

— Digital Perspectives (@DigPerspectives) July 11, 2025

His comment underscores the idea that Ripple’s monthly timed releases are intended to stabilize global supply, much like how OPEC regulates oil output to prevent market collapse.

The XRP community continues to witness bold price predictions, with one pundit recently presenting an estimate around the future valuation of 10,000 tokens.

Specifically, XRP community figure The5Blairs highlighted a market scenario where XRP hits a staggering $3,380, calling attention to several factors that could lead to this level. Remarkably, based on this outlook, anyone holding 10,000 XRP could walk away with $33.8 million.

How 10,000 XRP Could Turn to $33.8M

When he made this projection, XRP traded at $2.20. He then leveraged transaction data to argue that XRP already moves around $1.3 trillion in value each year with its circulating supply of 60 billion tokens and a transaction velocity of 10. 

However, The5Blairs claimed that upcoming partnerships and integrations could push that number much higher, possibly into the range of $100 trillion to $2 quadrillion in annual flow. To handle this kind of volume, he said XRP’s price would need to rise 1,538 times from its then-current value. That calculation brings the token to $3,380.

Today, XRP trades at $2.78. This means 10,000 tokens now cost about $27,800. Interestingly, several prominent voices in the XRP space, including crypto educator Edoardo Farina, have urged investors to hold at least that amount. 

Farina has long pushed for long-term commitment, arguing that XRP could reward those with patience. Many others in the community agree. Notably, they see 10,000 XRP as a realistic target and believe it could lead to life-changing gains if prices move as predicted.

If the projection from The5Blairs materializes, investors who procure 10,000 XRP today at $27,800 could see their investments grow to $33.8 million. Meanwhile, those holding just 1,000 XRP would sit on $3.38 million, and investments of 50,000 tokens could rise to $169 million. 

Factors That Could Lead to This XRP Price Target

The5Blairs backed his prediction with several major developments that could boost XRP’s utility and value. He pointed to five major factors: Ripple’s NDAs, its growing presence in cross-border payments, rising interest from the derivatives and FX markets, and Ripple’s mention by the DTCC.

For context, previous reports confirmed that Ripple signed over 1,700 non-disclosure agreements since 2013, mostly with banks, financial service providers, and tech firms. These NDAs came to light during the SEC’s lawsuit against Ripple. 

Another important factor comes from Ripple’s CEO, Brad Garlinghouse, who said in June 2025 that the XRP Ledger could realistically support up to 14% of SWIFT’s global payment traffic within five years. If XRP handles 14% of SWIFT’s $150 trillion in yearly transactions, this translates to $21 trillion in potential on-chain volume.

The5Blairs also highlighted the massive opportunity in the global derivatives market, which some estimate at $1 quadrillion. If XRP can capture even a fraction of this space, it could fuel massive demand. However, this level of adoption remains uncertain at press time.

Meanwhile, another major update came earlier this year, 2025, when Ripple’s subsidiary, Hidden Road, joined the DTCC’s government securities netting system. This step marked Ripple’s closer involvement with one of the world’s largest settlement institutions. 

The DTCC clears over $2 quadrillion in trades every year. Hidden Road now plans to use the XRP Ledger in parts of its settlement process, and recent DTCC patent filings included references to Ripple and XRP. While not yet official, many in the community believe this shows a path toward future integration.