Why the Possibility of XRP Reaching $100 Relies on Worldwide Use of the XRPL

There has been renewed discussion among crypto enthusiasts and analysts about whether

might someday climb to $100, with various models attempting to estimate the transaction volume required for such a leap. Much of the conversation centers on the idea that XRP’s price is closely connected to how much the XRP Ledger (XRPL) is actually used. In a 2021 report, Quincy Jones, formerly a developer at Corda, suggested that XRP’s maximum value depends on the total amount of financial assets issued on XRPL. According to Jones, if enough assets are tokenized on the network, XRP’s value could theoretically hit $100, $100,000, or even $1 million.

Building on this, recent speculative approaches have been proposed. For example, Google Gemini used a theoretical model, concluding that for XRP to reach $100, the XRPL would need to settle approximately $55 trillion in transactions each year. This equates to about $150.7 billion in daily transaction volume, far above the current average of $1 billion per day. The framework assumes a "valuation ratio" where XRP’s total market capitalization is 10% of the annual value processed through XRPL. To achieve such numbers, the ledger would need to become fundamental to the global financial system, supporting tokenized real estate, commodities, and institutional assets, on a scale similar to existing platforms like SWIFT.

Another perspective, proposed by crypto analyst Crypto Tank, argues that XRP could attain a $100 price if it is able to handle 10% of SWIFT’s daily transaction activity. With SWIFT processing roughly $5 trillion each day, this would mean XRP would need to manage $500 billion daily. While this outlook is highly ambitious, it underscores the potential if XRP becomes a leading solution for international payments. Nonetheless, critics point out that XRP currently has a very small presence in the tokenized real-world asset (RWA) market, with the XRPL representing only 1.75% of the $30.14 billion worth of tokenized assets across all blockchains.

Reactions within the XRP community have ranged from hopeful to cautious. Although some experts, such as Rietveld and EGRAG, are predicting strong price gains, others warn against relying too heavily on speculative models. Even Crypto Tank admitted the inconsistency in dismissing chart-based forecasts while advocating his own theory centered on SWIFT. On the other hand, institutional analysts like Cathie Wood have highlighted that increasing adoption of cryptocurrencies by major financial institutions could help propel XRP’s price higher.

Still, there are considerable obstacles ahead. The XRPL’s present level of use and capacity is significantly below what would be needed to justify a $100 valuation for XRP. Moreover, uncertainties in regulation and competition from other blockchain networks present additional hurdles. Ripple’s CTO David Schwartz and other leaders have stressed XRPL’s potential for asset tokenization, but achieving widespread usage would require overcoming technical, regulatory, and market-related challenges.

To sum up, while some theoretical models indicate that XRP could reach $100 given certain conditions, whether this can actually happen remains uncertain. The future value of the token depends on XRPL’s ability to expand and capture a large portion of worldwide financial transactions. As the cryptocurrency industry develops, continued analysis and actual market adoption will play a key role in deciding if these bold price predictions can become reality.