share my thoughts on crypto, especially XRP. Not financial advice. any Ripple Reward Programs are scams. Never send your XRP from your wallets to these scams!!
XRP to $800 in this bull run? Very likely! Using the highest in 2017 and the lowest in 2020 to draw fib levels, we will get $27 at fib 1.618 and $800 at fib 2.618. Given that crypto war is over and pro-crypo president Trump takes office in 2025, extreme bullish sentiment may push prices all the way to fib 2.618 at $800 or even higher. In addition, previous two cycles showed that there were three pumps each cycle. Each pump corresponded to a weekly RSI pike. If we are following the 2017, we just completed the first pump and pulled back. The second pump just started Jan 19, which may push to $6-$8, or even $10. Buckle up and enjoy exciting fly!
I have finished my thesis.
In every single part, I have explained how XRP will integrate and detailed the entire banking system and its technical terminology.
I kindly request that you do not come to me with absurd questions like "when will it happen" or "how high will it go."
I have only explained the mechanics of the system.
From this point forward, we have no choice but to patiently wait for @Ripple to succeed.
No need to talk to bank for any compromises. Simply establish no yield period of 2-3 years for banks to prepare themselves to offer same services as fintech companies. After the transitional period , yield will be allowed for both banks and fintech companies. There will then be no difference between banks and fintech. They are all called financial services companies and follow the exactly same rules.
Hi @CharuSan83, I understood that you are an expert in XRP/RLUSD. Is a statement in your post "Its(RLUSD) supply is far too small to handle global liquidity on its own" true? Is it minted according to the demand? If there is a demand of $10 trillions, can the same amount be minted?
Ondo, Kinexys by @jpmorgan, @Mastercard, & @Ripple successfully completed a landmark pilot transaction connecting the XRP ledger with interbank settlement rails.
This milestone marks the first time tokenized U.S. Treasuries have settled across borders and banks in near real time and outside traditional banking windows.
1. Ondo processed Ripple’s OUSG redemption on XRP Ledger
2. Mastercard's Multi-Token Network routed instructions to Kinexys by J.P. Morgan
3. J.P. Morgan delivered USD to Ripple's Singapore bank account
Tokenized assets are no longer separate from the global financial system. For the first time, a public blockchain and global banking infrastructure settled a cross-border transaction of a tokenized fund together in real time.
Together, we’re laying the groundwork for 24/7 global markets that never close.
If you missed yesterday's $XRP announcement, this is what I was referring to.
Most people still don't get the significance, so allow me to elaborate:
During SEC v. Ripple Labs it surfaced that there were 1,700 NDA's between Ripple and other companies. A lot of people speculated that those NDA's pertained to banks.
Yesterday's announcement is not Speculation. Ripple publicly confirmed not just 1,700, but 13,000 banks connected through their system where $12.5T flows.
Putting that into perspective, there are 4,336 registered 'Banks and Savings Institutions' in the United States. There are also 4,287 'Credit Unions'. Many of these institutions are international throughout Western civilization.
That means that Ripple is now promulgated into almost every western (anglo-society) banking institution. That is where the $12.5T number comes from.
But you don't care about that right? You want to know what it will do for the price of XRP. Let's go apply the Bakkes Pipeline (Stock to flow) model:
If 20,000,000,000 $XRP move $12.5 Trillion annually the average price per $XRP is $625. That $589 number and the chart I've shared many times do not look so far out of reach now, do they?
There is hopium, and then there is this 👇
XRP: From Market Value .. To Global Flow
When XRP becomes part of the plumbing of global value transfer… what happens to its required value? Let’s walk this forward - cleanly, soberly, and without hype.
1) 1st Principle: Value Follows Utility × Volume × Velocity
XRP is not designed as a store-of-value first.
It is a liquidity bridge asset. So its implied value is a function of:
* How much value flows through it
* How often it turns over (velocity)
* How much of the supply is actually available
2) Where We Actually Are in 2026 (Reality)
This is a key pivot point worth noting:
* XRP is already being used in live production corridors (not pilots anymore)
* Institutions can now hold XRP on balance sheet with reduced compliance risk
* Regulatory clarity is approaching via the Clarity Act, potentially unlocking institutional capital
* XRP is aligned with ISO 20022, the language of global banking
Translation in Plain English:
The system is moving from theory → integration → execution
3) The Real Prize: Not $5 Trillion… Not $27 Trillion… But PROFOUND FLOW:
~$27T sits idle in Nostro/Vostro accounts (trapped liquidity)
~$5T moves daily through global payment rails
And Here’s the Deeper Truth:
Global value transfer ≈ $ 100T+ annually (and growing)
Ripple doesn’t need to “own” this market. It only needs to mediate a fraction of it efficiently.
4) 5-Year Adoption Scenarios (2026 → 2031)
Let’s model this like a systems engineer, not a speculator.
🟡 Scenario A — Conservative (Slow Institutional Adoption)
XRP captures 1–3% of cross-border flows
Used mainly in corridors, remittances, treasury ops
Implication:
Moderate price growth
Likely aligns with analyst ranges ~$2–$10 short-to-mid term
🟢 Scenario B — Base Case (Regulatory Clarity + Banking Integration)
Clarity Act passes → institutional floodgates open
XRP integrated into:
Bank treasury flows
FX settlement
Tokenized asset rails
Captures 5–10% of global settlement flows Implication:
Demand for XRP liquidity rises structurally
Supply becomes constrained (escrow + institutional holding)
This is where utility value begins to dominate price:
$10–$30 is an extremely conservative value target
🔵 Scenario C — High Adoption (Infrastructure Layer)
XRP becomes:
a neutral bridge for currencies + stablecoins
embedded in capital markets settlement
5–10% of capital markets go on-chain by ~2026–2030
Captures 10–30%+ of cross-border + liquidity routing
Implication:
XRP transitions from “crypto asset” → financial infrastructure token
At that point:
Market cap is no longer compared to crypto…
It’s compared to global liquidity systems
5) The Constraint Most People Miss
Here’s the non-obvious limiter:👉 Velocity vs. Required Price
If XRP settles in 3–5 seconds, one token can be reused rapidly. So: Higher velocity → less price pressure
But…
Institutional scale requires deep liquidity buffers
This creates a tension:
Speed reduces need for price
Scale increases need for price
6) What Actually Drives Market Value Expansion
Not narratives. Not ETFs. Not hype.
The Real Drivers:
Regulatory certainty
Unlocks pensions, banks, sovereigns
Balance sheet adoption
When institutions hold XRP, not just use it
Tokenization growth
Real-world assets needing settlement rails
Liquidity replacement
XRP replaces trapped Nostro capital
Network effects
Each new corridor increases total system efficiency
7) A Grounded Range (Not Hype)
If we synthesize everything:
Near-term models: ~$2 - $10 (Q2-Q3)
Mid-cycle institutional: ~$10 - $30 (Q4-Q1)
High-adoption infrastructure: $30 - $100++ (2027)
But here’s the sober truth:
The price is a derivative
The utility is the signal
8) The Deeper Question
“What is the value of a system that removes friction from global exchange?”
If XRP (or any system) can:
eliminate trapped capital
compress time from days → seconds
reduce cost from % → fractions of a cent
Then its value is not speculative…
It is measured in the efficiency it restores to human exchange and humanity writ large
Final Thought
Christ overturned the tables over dishonest weights and measures. What Ripple/XRPL is attempting - at its' highest expression - is:
A system of verifiable, atomic, honest settlement.
Whether it fully achieves that is still unfolding.
But when/if it does…
The market value will not “rise”
It will reflect the truth of the system it replaced
Share this with all who still "don't get it." They will...
@Ripple XRPArmy DLT RLUSD ILP @Interledger
@elonmusk Elon, highly appreciate your strongly endorsing free speech. Posting false information on X should be prohibited, especially related to wars. Those accounts should be blocked.
Major TradFi institutions are officially announcing they are moving to the XRP Ledger.
✅ Deutsche Bank
✅ SBI Japan
✅ Société Générale
Expect more announcements from the largest financial institutions in the world to express their plans to use XRP this year.
2026 is the year of implementation.🎯
I told you all 31 Dec 2022 that Gary Gensler was directed through Epstein and Mossad to go after Ripple and XRP. Meanwhile the Bitcoin foundation was backed by Epstein.
Now you know it is true.