A prominent XRP analyst, known as “Future XRP,” has released a valuation model predicting the token could rise to $3,380, representing an over 1,500-fold increase from its current price of around $2.20 [1]. The projection is based on the assumption that the XRP Ledger will become a central infrastructure in global finance, capable of handling massive transaction volumes across markets and institutions. Under this scenario, the XRP network, with its 60 billion circulating supply and a transaction velocity of 10, could currently support up to $1.3 trillion in annual transaction flow. If XRP gains widespread adoption, the analyst anticipates the volume could expand to between $100 trillion and $2 quadrillion [1].

The analyst’s model suggests that a 5,000 XRP holding could be worth $16.9 million at the projected price. Similarly, 1,000 XRP could be valued at $3.38 million, and 50,000 XRP at $169 million [2]. These figures are presented as theoretically possible under the right market conditions, although they remain speculative and dependent on major industry shifts.

Ripple’s recent acquisition of Hidden Road, a firm linked to the Depository Trust & Clearing Corporation (DTCC), has further fueled speculation. The DTCC processes over $11 trillion in transactions daily, raising the possibility that XRP could play a role in high-value settlements [1]. Additionally, Ripple CEO Brad Garlinghouse has expressed optimism that XRP could capture up to 14% of SWIFT’s transaction volume within five years, reinforcing the narrative of XRP’s growing relevance in financial infrastructure [1].

Despite these bullish forecasts, not all analysts share the same outlook. Some argue that the estimated transaction velocity of 10 is significantly lower than traditional systems like SWIFT, where turnover can reach up to 200 times annually. Under such a scenario, XRP could achieve similar financial throughput with a much lower price, potentially around $166 [1]. Others question XRP’s ability to dominate in a competitive market that includes alternatives like Stellar, Ethereum-based stablecoins, and centralized financial solutions.

To validate his model, the analyst used the Grok 3 AI system, which acknowledged the possibility of XRP becoming a key neutral settlement mechanism but considered $3,380 an outlier. The AI suggested a more plausible range of $200 to $1,000, especially if the global financial system moves away from dollar-centric reserves. However, it also noted that extreme price targets would likely require major global disruptions, such as a collapse of fiat systems or a fundamental realignment of financial infrastructure [1].

While the prediction of $16.9 million from 5,000 XRP is intriguing, it has sparked mixed reactions. Supporters view it as a realistic long-term scenario if Ripple continues to expand its global presence. Critics, however, caution that the assumptions may not align with how financial markets typically function [1]. As with any speculative forecast, investors are advised to conduct thorough research and exercise caution before making investment decisions.

Sources: [1] title1: Analyst Predicts $3380 XRP Using This Model (url1: https://timestabloid.com/analyst-predicts-3380-xrp-using-this-model/)

[2] title2: Here’s How 5000 XRP Could Make $16900000 (url2: https://thecryptobasic.com/2025/08/02/heres-how-5000-xrp-could-make-16900000/) [3] title3: XRP Price Prediction: XRP Soars Over 30%, Can it Hit $10 in this Bull Run? (url3: https://cryptodnes.bg/en/tag/layer-2/)