David Schwartz has been making the same point since 2017, and most people still get it wrong.
The Ripple CTO recently revisited a post he wrote years ago, addressing something that trips up a lot of XRP holders: the idea that a lower token price is better for payments. His answer was: It does not matter.
If XRP is a dollar, you need a million tokens to move a million dollars. If XRP is worth a million dollars, you need one. Same cost. Different efficiency.
“The higher the price of XRP, the cheaper it is to use for payments,” he said. Fewer tokens per transaction means less liquidity tied up and a smoother settlement. Price going up does not make XRP harder to use. It actually makes it work better.
While that old post was doing the rounds again, Franklin Templeton dropped something worth reading. Its latest 10-K filing shows XRP now sits at 5.91% of its EZPZ ETF, behind Bitcoin and Ethereum but ahead of most other altcoins.
The fee angle is just as interesting. Franklin Templeton’s product costs roughly 94% less annually than Grayscale’s XRP trust. That kind of gap tends to move money over time.
With XRP trading near $1.33, the inclusion is a signal rather than a statement. Franklin Templeton has separately described XRP as a foundational building block within diversified crypto portfolios, pointing specifically to its cross-border payment utility as the differentiating factor.
Schwartz’s argument and Franklin Templeton’s filing are landing at the same place from different directions. XRP does not become less useful as it gets more expensive. The math actually improves.
XRP could trade between $3 and $6 in 2026 if crypto market momentum strengthens and Ripple expands partnerships with banks using RippleNet and ODL.
XRP could potentially reach $18–$30 by 2030 if the crypto market enters a strong bull cycle and Ripple expands global payment partnerships.
If adoption of blockchain payments grows and Ripple strengthens its financial network, XRP could trade between $97 and $179 by 2040.
XRP may be a promising investment due to its role in cross-border payments and growing institutional adoption, but price volatility and regulation risks remain.
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