One analyst says XRP is heading toward a completely different pricing model compared to the rest of crypto. According to him, XRP will not rely on Bitcoin cycles, speculation, or trading pressure in the long run. Instead, its value will come from real-world usage inside global financial systems.
He calls this change “utility based pricing,” where XRP’s price is driven by actual transaction flow rather than market sentiment.
In this model, XRP’s price would no longer be decided by buyers and sellers on crypto exchanges. Instead, it would depend on the velocity and volume of global money flowing through the XRPL infrastructure.
According to the analyst, once the global financial systems fully start using XRPL pipes, XRP could completely decouple from Bitcoin and Ethereum. At that stage, price would reflect trillion-dollar settlement flows instead of market sentiment.
He also thinks that XRP could surpass Ethereum in the long run, as Ethereum faces stronger competition from smart contract networks like Solana and Sui, while XRP stays focused on liquidity and settlement infrastructure.
In a follow-up post, the analyst explains his $324 XRP target in more detail. He says the calculation is based on global markets adopting crypto and a full shift toward utility-based pricing.
It includes factors like market cap evaluation, available supply, supply shocks, liquidity coverage ratio, and usage across ODL and AMM systems. He also considers XRP being locked up for liquidity, incoming capital flows, and real settlement demand.
Analyst adds that when global markets and institutions like DTCC are included, total value exposure reaches around 7–8 quadrillion. He also notes that more than $400 trillion in assets are expected to be tokenized in the future.
According to him, XRP is already highly efficient due to its fast infrastructure and high velocity. But in a multi-chain future, XRP will not need to carry global liquidity alone. Instead, other assets will also generate utility that flows through XRPL.
The analyst also addresses extremely long-term predictions. He says XRP could reach $10,000 one day, but not anytime soon.
For now, he says a $150–$325 range is a more realistic and grounded target based on the current global financial trends and adoption models.
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