In the wild, untamed world of cryptocurrencies, where the only certainty is uncertainty, the notion of valuation dances like a mirage in the desert. It teeters on the edge of respectability and ridicule, much like a tightrope walker with a penchant for theatrics. Back in the days of 2018-2019, the mere whisper of a $100,000 Bitcoin was enough to send esteemed economists into fits of indignation, as if someone had suggested that the moon was made of cheese.
Yet here we are, in the year 2025, and Bitcoin (BTC) is the one chuckling in the corner, while the XRP (XRP) army, a fiercely loyal band of believers, rallies around their own dreams of grandeur.
After the election of President Trump, the price of XRP soared, flirting with its all-time high of $3.41. But lo and behold, four long years of the SEC looming over Ripple like a dark cloud have left us all waiting for a resolution that feels as elusive as a mirage in the desert.
With XRP now reaching new heights, social media has become a veritable carnival of predictions, with some daring souls proclaiming “$XRP to $100” or “$XRP to $1,000.” But one particular research report has taken the cake, forecasting an astonishing $18,000 price target for XRP. 🎉
XRP to $18,000? 🤔
In June 2023, just a month before Judge Analisa Torres declared XRP “not a security,” a white paper titled “A Comprehensive Approach To Determine The Fair Market Value Of XRP” hit the scene. This gem was birthed by Valhill Capital, where a gaggle of authors presented five valuation models, with “XRP Valuation Model #4” strutting its stuff as the belle of the ball, based on token utility and future global adoption.
Using the Discounted Cash Flow (DCF) method, the assumption was that Ripple would handle a hefty chunk of global transactions over the next decade, raking in fees on the XRP Ledger (XRPL) and possibly tokenizing a significant slice of global wealth, all while giving traditional remittance systems like SWIFT a run for their money. The analysis was based on some rather ambitious data:
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Base Global Transaction Volume: $104 Trillion
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Economic Growth Rate (Over 10 years, 2023-2032): 2%
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Applied Discount Rate: 10%
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Total Transaction Present Value: $915 Trillion
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XRP Circulating Supply: $50.7 billion
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Price per XRP: $18,036
In a perfect world for Ripple Labs and the XRP army, where the XRP ledger becomes the cornerstone of the global financial remittance system, they would have enough wealth to wage war against any independent nation (pun intended). But let’s not get too carried away, shall we?
Jokes aside, as we peer into the crystal ball of 2025, CryptoMoon has taken it upon themselves to analyze whether the expected adoption rate is actually progressing as predicted.
Fact-checking XRP rumors and reality
As of February 28, 2025, there’s no official word from any credible source that XRP has been fully embraced by a US bank for cross-border payments or internal transactions. RippleNet, Ripple’s global payments network, has been linked to several US banks like JPMorgan Chase, Wells Fargo, Bank of America, and Citigroup, but officially, only PNC Bank and Bank of America have solid partnerships.
Now, regarding Bank of America (BofA), a viral clip on X features Sound Planning Group CEO David Stryzewski claiming that the bank has been using RippleNet and XRP for “100% of its internal transactions” for two years. However, the glaring inconsistencies in this data are as obvious as a clown at a funeral. The average daily internal transactions for a bank of BofA’s size hover around 1.2 to 1.5 million.
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2025-03-01 00:46