The speculative characteristics of cryptocurrencies anthropomorphize the idea of ”fair game” in relation to the evaluation. Such analysis can carry a thin line between respectful or ridiculed. In 2018-2019, it was too absurd to throw an idea of $ 100,000 Bitcoin prices, and famous economists felt unpleasant and criticized the simple thoughts of such statements.
Bitcoin (BTC) certainly got the last smile in that case, and in 2025, the same optimism flows in the XRP (XRP) army, another loyal community.
After Trump’s winning election, the XRP price reached a new high and tested up to $ 3.41 again. Even after four years of SEC breathing on Ripple’s neck, the infamous securities case is still waiting for a solution.
As a result of XRP rising to the new record, bigger predictions, such as “$ XRP ~ $ 100” or “$ XRP ~ $ 1,000”, have flooded the social media platform over the last three months.
However, one unique research report brought the prediction to a new high and predicted the $ 18,000 price goal of XRP.
XRP is $ 18,000?
In June 2023, the Value White Paper, a month before XRP’s declaration of XRP as “not security,” by an Analisa Torres judge, was published a comprehensive approach to determine the fair market value of XRP.
The white paper was published by Valhill Capital, where several authors published five evaluation models to evaluate XRP’s long -term prices, and the “XRP Evaluation Model #4” brought a suite spot with the most ideal view based on token utility and future global adoption.
By utilizing the discounted cash flow (DCF) approach, the basic assumptions would be good for RIPPLE to handle a large portion of the world’s trading in the next 10 years, generate fees for the XRP director (XRPL), and replace the global remittance system quickly. Evaluation analysis was performed based on the following data.
Basic Global Trading Protection: $ 104
Economic growth rate (10 years, 2023-2032): 2%
Applied discount rate: 10%
Total Trade Current Value: $ 915
XRP circulation supply: $ 507 billion
XRP price: $ 18,036
In the perfect world for Ripple Labs and XRP, which is the basis of the global financial remittance system, the XRP army will have war with all independent countries. (Attention to speaking).
Aside from the joke, we took the model to face value in 2025 and analyzed whether the expected adoption rate proceeded as expected.
Checking XRP rumors and reality
As of February 28, 2025, there is no formal confirmation of the prestigious source that completely integrated XRP for payment or internal transactions at the US Bank.
Ripplenet, a global payment network of RIPPLE, is connected to several US banks, such as JPMORGAN Chase, Wells Fargo, Bank of America, and Citigroup, but officially PNC Bank and Bank of America have only crucial evidence -based partnerships.
Is XRP integrated into the US bank system? source: WallStreetbulls
Regarding the Bank of America (BOFA), one of the viral adults in X, David Stryzewski, said that financial institutions use Ripplenet and XRP for “100%of internal transactions” for two years. But the discrepancy of the data is bluntly obvious. The average daily interior transaction conducted by BOFA financial institutions is about 1.2 ~ 1.5 million.
XRP ledger payment statistics. Source: XRPSCAN
XRPL has not managed its transaction operation for two years since 2018. Stryzewkski also mentioned that XRP was the second largest encryption asset before the SEC submitted a securities case on RIPPLE on December 22, 2020.
Another event that prevents the speculation of XRP development comes from the cost of Wells Fargo. In August 2024, WELLS FARGO claimed that it was approved using XRP for credit cards and loan payments, and Rick Lange, a certified financial planner, talked extensively in LinkedIn. But WELLS FARGO employee Vittorio Dibenedetto left an opinion in January 2025.
“It’s not true. Why did you spread fake news? ”
Do XRP and Ripple take over legacy payment systems?
Fairly, XRP Price has achieved results for the last 12 months and has an optimistic reason. Cointelegraph has been widely reported on various branch XRP ETFs submitted by various fund managers in February, indicating potential increase in XRP in the future.
However, in terms of the adoption of XRP and the goal of becoming the world’s cash flow value pipeline, Ripplenet and XRP are almost close to the projections in the white paper. By 2030, the value of the XRP is unlimited to $ 18,036.
Related: Why is the XRP price drop today?
This article does not include investment advice or recommendation. All investment and trading measures include risks, and the reader must do his own research when making a decision.