The speculation -that nature of cryptocurrencies identifies the idea that “anything is fair game” when it comes to appreciation. These studies can be a thin line between being respectful or ridicule. In 2018-2019, washing the idea of a $ 100,000 bitcoin price is considered absurd that the well-known economists sin and condemned only the thoughts of such statements.
Bitcoin (BTC) Certainly captured the final laughter in that case, and in 2025, the same optimism flowed within another fierce community, the XRP (XRP) Army.
After success in President Trump’s election, the price of XRP reached new highs, tested with a full time of $ 3.41. After four years of SEC breathing on Ripple’s neck, the deadly security case is still awaiting a resolution.
As a result of XRP rallying in new all-time highs, even larger predictions such as “$ XRP up to $ 100” or “$ XRP up to $ 1,000” have flooded social media platforms over the past 3 months.
However, a unique research report takes predictions to new highs, including analyst forecasting a $ 18,000 target price for XRP.
XRP up to $ 18,000?
In June 2023, one month before XRP was declared “Not a security” by Judge Analisa Torres, an appreciation of white paper named “A comprehensive approach to determine the fair value of the XRP market” has been released.
The white paper was published by the Valhill Capital, where many authors showed five appreciation models to assess the long-term price of XRP, with the “XRP Valuation Model #4” which takes the sweet spot as the best views based on the token utility and future global adoption.
Using the discount Cash Flow (DCF) approach, the main supposed taken is that Ripple will hold a large portion of global transactions over the next 10 years, forming fees on XRP Ledger (XRPL) and possible tokenizing a large part of the global resources, while replacing traditional remittance systems. Appreciation evaluation is carried out based on the following data:
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Base Global Transaction Volume: $ 104 Trillion
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Economic Growth Rate (over 10 years, 2023-2032): 2%
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Applied discount rate: 10%
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Total transaction current value: $ 915 trillion
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XRP that is circulating -Switch supply: $ 50.7 Billion
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Price Per XRP: $ 18,036
In a perfect world for Ripple Labs and XRP, where the XRP ledger has become the Bedrock of the Global Financial Remittance System, the XRP Army will have the wealth to go to war in any independent country (Pun intended).
Jokes, getting the model on the face value in 2025, the cointelegraph reviews if the expected rate of adoption progresses as predicted.
The check-checks of gossip in XRP and fact
Until February 28, 2025, there was no official confirmation from any resource author that the XRP was fully integrated with a US bank for cross-border payments or internal transactions.
RippleNet, Ripple’s Global Payment Network, is linked to many US banks such as JPMorgan Chase, Wells Fargo, Bank of America and Citigroup but only officials, PNC Bank and Bank of America have specific evidence-based partnerships.
Will XRP include the US banking system? Source: Wallstreetbulls
Regarding the Bank of America (BOFA), a clip that went viral in X includes Sound Planning Group CEO David Stryzewski stating that the financial institution has used Ripplenet and XRP for “100% of internal transactions” for two years. However, the inconsistencies of the data are blurred brightly. The average -day -day internal transactions conducted Through a financial institution of Bofa size is around 1.2 to 1.5 million.
XRP ledger’s payment statistics. Source: XRPSCAN
XRPL has not managed the transactional operations of that size for any two years since 2018. Stryzewkski also noted that the XRP was the second largest crypto owner before the SEC filed a security case against the ripple on December 22, 2020. 2019, almost two years before the SEC knocked on the door.
Another incident that covers the speculation of the nature of XRP development is at the expense of Wells Fargo. In August 2024, Wells Fargo approved using XRP for credit card repair and loan repayment, which Rick Lange, a certified financial planner, Extensive spoke about LinkedIn. However, Vittorio Dibenedetto, an employee of Wells Fargo, left comment on January 2025, saying,
“It’s not true. Why did fake news spread?”
Will XRP and Ripple accept legacy payment systems?
To be fair, the XRP price has performed well in the last 12 months and has reasons to be optimistic. Cointelegraph is widely reported in many areas XRP ETF filed by various fund managers in February, indicating potential reversal for the XRP in the future.
However, regarding the adoption of the XRP and its goal of becoming the world’s cash flow pipeline, RippleNet and XRP are nowhere near projections made on white paper. The possibility of XRP worth $ 18,036 by 2030 is little endless.
Related: Why is XRP price declining today?
This article does not contain investment advice or recommendations. Every transfer of investment and trading involves risk, and readers should conduct their own research when deciding.
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