Where Is XRP’s Realistic Upside? Why $225 Is Hype While $3–$5 Is More Achievable

Currently, the price of XRP is around $2.05 – $2.20. Although it has fluctuated compared to the beginning of the year, it is still far from any “hundredfold pump” levels. In this context, to discuss its future potential, we must base it on reality rather than fantasy.

ETF and Institutional Funds: What Do They Bring to XRP?

Recently, multiple XRP-related ETFs have been approved or launched, providing institutional investors with a compliant and transparent entry channel. This brings not only short-term trading volume to XRP but may also lead to long-term attention on the XRP ecosystem, payment network, and settlement system.

If these institutions truly view XRP as an infrastructure asset rather than a pure speculative tool, then the funds and resources behind it may drive XRP to gain more practical uses – such as cross-border payments, interbank settlement, and stablecoin liquidity bridges.

Reasonable pump range based on use cases, circulation, and network fundamentals.

Considering:

• The total supply of XRP reaches 100 billion coins, and the circulating supply is also in the tens of billions.
• Even with a significant expansion in use cases, it is still constrained by multiple factors such as the scale of real-world payments, the adoption level by banks/financial institutions, regulatory environment, and competitors.

Therefore, a more realistic/rational pump range is not “100×”, but around $3–$5 — representing a slight/moderate rise from the current level, but not deviating from supply and demand, actual network usage, and market capacity.

This pump has a certain possibility if it is accompanied by the real adoption of financial institutions and payment systems; at the same time, the risks are relatively controllable, and it is not a full bet like the “sky-high target.”

Long-term potential and risks coexist — How investors should position themselves correctly

The long-term potential of XRP comes from the settlement efficiency, low transaction fees, scalability of its underlying blockchain (XRP Ledger), and the possibility of becoming a cross-border payment and settlement tool if widely adopted by financial institutions.

However, at the same time, there are also many risks: overall cryptocurrency market volatility, macroeconomic/interest rate environment, competing coins/new technology alternatives, regulatory uncertainty… all of these could affect the future performance of XRP.

Therefore, for most investors, considering XRP as a medium to long-term potential asset, rather than a short-term speculative target, may be a more prudent strategy.