XRP is once again in the spotlight after a prominent Bitcoin-only pundit shocked Crypto X by calling for a $20 XRP Price prediction

The call was made as volume per day exceeds 4.8 billion dollars and the token changes hands at close to $2.27. Meanwhile, a Pay-Fi newcomer Remittix (RTX) is broadcasting numbers

The price of XRP has been a hot topic in the crypto world, especially after a prominent Bitcoin-only pundit on Crypto X boldly called for a $20 XRP Price prediction by this cycle.

With yesterday’s volumes per day now exceeding 4.8 billion dollars and the token changing hands at close to $2.27, could this surprising call actually come to pass?

Perhaps. But first, let’s look at the Pay-Fi newcomer Remittix (RTX) which some watchers believe could unlock triple-digit multiples before 2026.

XRP Price Prediction is derived from ETF momentum

The XRP Price prediction community has a single obsession: a spot ETF.

As BlackRock’s Bitcoin offering shatters records for inflows, speculation that Ripple will submit the same product to set up joint ventures with major corporations.

Bloomberg ETF expert James Seyffart went on record to say that an approval “would add instant credibility and liquidity” to XRP.

Open-interest data on Bybit reveals option traders positioning for a 300 % move, with call skew at its highest level since 2021. Should those wagers be rewarded, the road to the Bitcoin maxi’s $20 target is more than hopeium.

XRP’s market cap is $132.7 billion, according to CoinMarketCap; an increase to $20 would still be less than half of Ethereum’s current market cap, so the call is within the realm of possibility.

Networking basics validate the bull thesis

The second pillar of all plausible XRP Price predictions is utility.

Ripple’s acquisition of prime broker Hidden Road for $1.25 billion, which was confirmed by president Monica Long, will move post-trade flows onto the XRP Ledger. According to Messari analysts, that could double daily active addresses within a year.

In the meantime, Brazil’s launch of the XRPH11 spot ETF shows emerging market regulators are comfortable with on-chain liquidity settlement. Each new jurisdiction sets a precedent for the United States, where the ex-SEC commissioner Paul Atkins, now chairman, has signaled a more friendly stance towards regulated payment tokens.

If that policy shift happens at the same time as Ripple’s court result, then the possibility of a five-to-ten-fold XRP Price prediction becomes exponentially more likely.

Remittix: the 130x play whales are circling

Whereas the blue-chip narrative is trading around $20, deep-pocketed investors are rotating into RTX for asymmetric upside.

Remittix is trading at $0.0757 after it raised $14.6 million+ and sold 530 million tokens. The value proposition is simple: deposit BTC, ETH, SOL or XRP into a non-custodial bridge and receive local fiat in minutes.

As every conversion consumes a sliver of RTX, increasing usage squeezes supply. Daily active users just spiked 17 % week-over-week as traders in Nigeria and the Philippines adopted “crypto-in, cash-out” settlements.

Multi-chain integrations with Solana Pay and major EVM bridges, planned for Q3, will expose the protocol to millions of new wallets. Even if a mere 0.05% of the $190 trillion total global payments market goes through Remmitix, fee-share arrangements unveiled in the project deck suggest a fully diluted valuation north of $7 billion about 130x its current peak.

Licensing is the second catalyst. Management is working on EU e-money and U.S. MSB registrations that would unlock compliant rails in 50+ markets. Exporters are already looking at RTX for fee savings, implying future treasury demand that would drown out speculative flows.

For XRP holders, allocating a small portion of their allocation to RTX offers exposure to the same cross-border payments thesis but with far more torque.

Portfolio perspective: balancing blue-chip and high-beta

The final piece of a knowledgeable XRP Price prediction discussion is risk management. A balanced approach would base half of a payments-focused portfolio in XRP itself ready to capitalize on spot-ETF drivers and enterprise adoption. Twenty-five per cent might surf Solana or another high-throughput chain for upside in fee-based revenues.

The other quarter can pursue exponential return profiles in Remittix. Since RTX supply decreases as volume increases, even modest merchant adoption can lead to outsized token appreciation. Early-stage projects entail execution risk, but the potential upside warrants a cautious bet particularly when the underlying market is the largest in finance.

Expectation by end-year 2025

Doing the math, a conservative Galaxy Digital estimate puts XRP at $5.70 if its ETF alone garners one-quarter of Bitcoin funds’ inflows in their first quarter. Throw in Hidden Road volume and regulatory clarity, and the $20 XRP Price forecast is at the upper range of possibilities