There’s a lot of chatter online about XRP potentially reaching huge price levels like $100, $500, or even $1,000. While that might seem far-fetched at first, some real-world use cases and numbers suggest it may not be so crazy.
One X (formerly Twitter) user, Stellar Rippler, highlighted that XRP is designed for rapid, low-cost cross-border payments, which is something the current SWIFT system handles at a rate of about $5 trillion per day.
If XRP eventually takes over even 10% of SWIFT’s volume, that’s $500 billion daily. With that kind of flow, XRP’s price would likely climb to somewhere between $27 and $50.
Another scenario is around Nostro and Vostro accounts, where banks typically keep about $27 trillion on low-yield nostro and vostro accounts just to settle international payments. If XRP can replace even 5% of this capital, it could unlock a huge amount of capital, potentially pushing XRP’s price to $80–$100.
Then there’s the possibility that Ripple becomes a licensed bank. If that happens, it could offer lending, custody, and payment services directly—using XRP as its backbone for all these services. That kind of shift could easily push XRP over $100.
(9/🧵) Bitcoin went from pennies to $100K+ on narrative alone.No partnerships. No institutional rails. Just belief.XRP has real-world utility, banking ties, regulatory positioning, and tech light-years ahead…And people still think $10+ is a dream?It’s not a question of if -…
Another angle is that Ripple is already working with more than 40 central banks. If XRP becomes the main bridge currency for central banks, big financial groups like the IMF or World Bank might rely on it. In that scenario, XRP could climb to the $250–$500 range.
And then there’s the global derivatives market, which is worth over $1 quadrillion. If even a tiny slice—just 0.1%—of this market gets settled through XRP’s network on a daily basis, the price could go over $1,000. So, it’s not a dream; it’s a possible future built on utility.
So why isn’t XRP at these price levels yet? Well, legal challenges, regulation delays, and market uncertainty have kept it from reaching those heights yet. But if these barriers clear, the change could happen quickly. Bitcoin hit massive prices like $100, 000 based purely on belief. XRP combines belief with real-world use, partnerships, and tech that’s already being used. So maybe it’s not a question of if XRP will climb to those price levels, but when.
