Debate and prediction on the long-term value of XRP: from hundreds to tens of millions in valuation differences

【Crypto World】The future prospects of XRP have recently sparked widespread discussion in the market. Analysts have given vastly different predictions about the project’s long-term potential, with valuations ranging from $8,000 to several million dollars, reflecting various interpretations of its development trajectory.

The optimistic voices are quite loud. Some industry insiders, based on Ripple’s progress in institutional adoption, have set rather aggressive price targets. It is reported that XRP ETF products have successfully raised over $700 million, which in itself indicates increasing market recognition of the asset. Some analysts even predict that a single XRP could reach $100.

However, more conservative institutions also have their reasoning. An analysis from a major bank’s research department suggests that the asset could rise to $8 by 2026, a relatively moderate but more reference-worthy forecast.

The most attention-grabbing discussion is about ecosystem potential. Ripple executives revealed a grand vision—that the blockchain could handle 14% of SWIFT system transactions within five years. If this goal can be achieved, investors holding 1,000 XRP might face a potential value of $3.38 million. Although this figure sounds like a pipe dream, it is based on the premise that XRP can handle massive future transaction volumes—that is also the key to the entire ecosystem’s development.

How will the market ultimately unfold? It probably depends on Ripple’s technological implementation and the actual adoption speed of the global payment system.