A collective of financial analysts specializing in cryptocurrencies has published a study suggesting that the XRP could reach the amazing value of $ 18,000. This prediction, which arouses as much enthusiasm as skepticism in the Crypto community, deserves an in -depth examination.
A report provides an XRP at $ 18,000
In June 2023, one month before the historic decision of the judge Analisa Torres declaring that the XRP was not a title, Valhill Capital published a white paper entitled “A global approach to determine the fair market value of the XRP”.
This document, drawn up by several financial experts, has five different evaluation models to estimate the future price of the XRP. Among these models, the “XRP No. 4 evaluation model” stands out particularly by its extreme optimism, suggesting a potential price of $ 18,036 per token.
This analysis is based on the hypothesis that Ripple, the company behind the XRP, would manage to manage a substantial part of global financial transactions during the next decade.
The model uses the updated cash flow method (DCF) and is based on several ambitious parameters: a volume of global transactions estimated at $ 104,000 billion, an economic growth rate of 2 % over ten years (2023-2032), and a 10 % discount rate.
In that Ideal scenariothe XRP (XRPL) register would gradually replace traditional systems like SWIFT, thus becoming the backbone of international fund transfers.
The model calculates a total current value of transactions of $ 915,000 billion which, spread over the supply in circulation of 50.7 billion XRP, led to this estimate of $ 18,036 per token.
The reality of the market in the face of optimistic forecasts
Since Donald Trump's electoral victory, the XRP prize has experienced a significant increase, approaching its historic record of $ 3.41. This progression has fueled an overflowing optimism in the investor community, with increasingly ambitious predictions traveling on social networks in the past three months, ranging from $ 100 to 1,000 per token.
However, by closely examining the conditions necessary for such an explosion of value, it is clear that the current reality is very different from projections. As of February 28, 2025, no official confirmation makes it possible to assert that the XRP was fully integrated by a major American bank for cross -border payments or internal transactions.
If Ripplenet, Ripple's payment network, maintains links with several major American financial institutions such as Jpmorgan Chase or Wells Fargo, only PNC Bank and Bank of America have established verifiable partnerships.
Contradictory information also circulates. A viral clip shows David Stryzewski, CEO of Sound Planning Group, saying that Bank of America has used Ripplenet and XRP for “100% of its internal transactions” for two years.
However, this declaration is questioned by the transaction statistics of the XRP register which do not show a volume corresponding to the 1.2 to 1.5 million daily transactions that an institution of this scale would make.
Likewise, Vittorio Dibenedetto, an employee of Wells Fargo, categorically denied rumors concerning the adoption of the XRP by his bank, qualifying this information as “false news”.
The future of the XRP, between legitimate hopes and necessary realism
If the XRP has actually experienced a notable progression in the past twelve months, in particular following the filing of several requests from ETF XRP in cash by various fund managers in February 2025, the reality of its adoption remains well below projections advanced in the Valhill Capital White Paper.
For the XRP to reach a value of $ 18,000 by 2030, Ripplenet and its native token should become the dominant system for global value transfers, replacing financial infrastructure established for decades.
Although Ripple's technological innovation has undeniable advantages in terms of speed and cost of transactions, the probability of such a radical transformation of the global financial system within such a short time remains, according to “infinitesimal” experts. Will XRP end up dethroning Bitcoin? This scenario seems to be more fantasy than reality.
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