XRP Set to Smash New Record Highs

Crypto Robot

XRP could be gearing up for a historic comeback — with analysts predicting fresh record highs in the next few years. After years of legal battles, Ripple’s win against the SEC, growing institutional adoption, and potential ETF approvals have reignited investor confidence. XRP’s unique role as a bridge currency for global money transfers gives it a massive advantage over traditional systems like SWIFT — and Ripple’s CEO believes XRP could capture up to 14% of SWIFT’s global volume by 2030.  In this video, we’ll break down why XRP’s long-term fundamentals look stronger than ever, how Ripple’s bank charter application could reshape crypto banking, and what ETF approval could mean for price action. XRP might not see another 52,000% run like in 2013, but it’s positioning itself as a top-tier digital asset for global payments and DeFi expansion. Comment below — how high do you think XRP can go by 2026?  📧 Email: cryptorobothelp@gmail.com  💰 Affiliate Links  Sofi Checking & Savings – Get $25 free ➝ https://www.sofi.com/invite/money?gcp=16a53d0f-b4b2-441d-9100-cfb506305260&isAliasGcp=false  Sofi Investing – Free $25 in stock ➝ https://www.sofi.com/invite/invest?gcp=ab31edd8-701e-4109-9225-51b41e35d246&isAliasGcp=false  Coinbase Exchange – Earn up to $300 BTC ➝ https://coinbase.com/join/YPUQLCY?src=referral-link  Tracking Tools – CoinGecko | CoinMarketCap  Trading Tools – Get $15 off TradingView ➝ https://www.tradingview.com/pricing/?share_your_love=cryptonextsteps  #XRP #Ripple #CryptoNews #Bitcoin #Ethereum #XRPArmy #CryptoInvesting #Blockchain #ETFs #CryptoMarket #DeFi #Finance #CryptoAdoption #CryptoAnalysis #DigitalAssets

Transcript

00:00Welcome to the Deep Dive. Today, we're taking a really close look at one of the most talked about, sometimes controversial assets in crypto, XRP.

00:07For ages, it felt like this was the token people just wrote off, right? The bank coin.

00:11Stuck in regulatory quicksand, trading way behind its peers.

00:15But things look different now. Our mission here is to unpack this major shift happening with the XRP Ledger's native token.

00:21It's shown incredible resilience, bouncing back hundreds of percent.

00:24But the big question, the one everyone's asking, can XRP finally break that old 2018 high, the $3.84 mark?

00:30Or, you know, could it actually hit those frankly ambitious long-term targets analysts are floating, like $8 to $12?

00:37And that range, that $8 to $12, that's why we need to dig in.

00:40The data shows XRP has, yeah, surged over 700% from its lows back in 2022.

00:45Right now, it's floating around, what, $2.50 with a hefty $151 billion market cap.

00:49So we're going to dissect the catalysts, the real drivers behind this renewed confidence.

00:53Not just hype, but the fundamental legal and institutional shifts.

00:57Yeah, we really need to walk through the timeline.

00:59Because you can't grasp the comeback without understanding just how close it came to, well, failing.

01:05We'll start with that intense legal fight that kept the price down,

01:08and then pivot right into the institutional and tech factors pushing it now.

01:11Okay, so let's remind. Back to 2012. XRP was created with a very specific purpose.

01:17Act as a bridge currency. Make global payments faster, way cheaper than the old subsystem.

01:22Ripple, the company, minted $100 billion XRP to kickstart this.

01:26And for almost 10 years, Ripple basically funded its operations by selling off parts of that initial stash.

01:33That model seemed to work until 2020.

01:35That's when the SEC, the U.S. Securities and Exchange Commission, dropped the hammer, sued Ripple, their claim.

01:42That XRP itself was an unregistered security.

01:44Oh, that lawsuit was absolutely devastating.

01:46It just crushed sentiment almost instantly.

01:48Major U.S. exchanges, they delisted XRP practically overnight.

01:52And the price, it tanked.

01:53Hit a low of just 31 cents in 2022.

01:56It wasn't just bad vibes.

01:57It was the complete lack of regulatory certainty.

02:00And that's poison for institutional investors.

02:02Right. Which brings us to the massive turning point in 2023.

02:06Let's be super clear about how this got resolved because the details here really, really matter.

02:10They absolutely do.

02:11So 2023, a federal judge makes this landmark ruling.

02:15And the key part is XRP is not a security when it's sold to the public on exchanges.

02:21That distinction, you know, between retail sales and the direct institutional sales Ripple made.

02:26That was the magic key.

02:28It unlocked the market again.

02:30So how did they make that distinction?

02:31What was the logic there?

02:32It really boiled down to the Howey test, a legal standard.

02:35The judge looked at whether buyers had a reasonable expectation of profit based on Ripple's efforts.

02:41For regular folks buying on an exchange, the judge figured they were buying more like a commodity or a currency,

02:46not necessarily banking on Ripple's specific work to make a profit, but the direct sales to institutions.

02:52Those often had contracts, specific expectations tied to Ripple's success.

02:56That looked more like a security offering.

02:58So it was nuanced.

02:59Okay, got it.

03:00So that nuance still provided enough clarity.

03:02Exactly.

03:03Enough clarity to end the limbo that was choking the asset.

03:06Investor confidence snapped back.

03:08And the case formally wrapped up just this past August.

03:12Ripple paid a fine, $125 million.

03:15Which sounds like a lot, but it was way, way less than the $2 billion the SEC originally wanted.

03:21The effect was immediate, right?

03:22Exchanges relisted, liquidity came back.

03:24Yep.

03:25Major exchanges relisted XRP pretty quickly.

03:27That opened the door again for new institutional money and just general participation.

03:32But look, that legal win, that was step one.

03:35Necessary, absolutely.

03:36But the big money, the serious momentum, that follows the next phase, large-scale institutional adoption.

03:42Okay, this is where it gets really interesting.

03:44Let's talk about the drivers that analysts think could push XRP past its all-time high in, say, the next year or two, 2025, 2026.

03:52We're talking about that kind of institutional pull we saw with Bitcoin.

03:55Right.

03:56The biggest headline grabber right now is definitely ETF momentum.

03:59We know multiple firms have filed for spot XRP ETFs, and things seem to be moving fast.

04:03Take the Rx Osprey XRP ETF report, say it got cleared for trading on the CBOE, even got fast-track approval.

04:09That's basically building a direct pipe for billions from traditional finance to flow into XRP.

04:14And it's not just finance instruments.

04:16There's been, maybe surprisingly, some political validation, too.

04:19The source material mentions the Trump administration listing XRP as one of five strategic digital assets for America's digital asset stockpile, along with Bitcoin, Ethereum, Solana, and Cardano.

04:35What does stockpile even mean in this context?

04:37Is it like a national reserve?

04:39It kind of implies both, really.

04:40It's not like they're holding physical coins in a vault, not yet anyway.

04:43But calling it strategic positions these assets as important for the country's financial and tech future.

04:48It's a huge signal to big financial players.

04:51Tells them these assets have some political favor, less likely to face sudden bans or crippling regulations soon.

04:58It's significant political cover.

05:00It's shifting gears to Ripple itself.

05:01They're not just sitting back after the lawsuit, are they?

05:03Not at all.

05:04They've actually applied for a U.S. bank charter.

05:06Think about that.

05:07They want to be the first fully digital bank built completely on blockchain technology.

05:11Whoa, a U.S. bank charter.

05:13That's a huge undertaking.

05:15Aren't they going to run into massive friction from regulators, from legacy banks who definitely don't want that competition?

05:21Oh, absolutely they will.

05:22It's a very strategic, very long-term play.

05:25The goal isn't just to be another chase, right?

05:27It's more about providing the back-end plumbing that even the old banks need.

05:31Things like instant settlement, cross-border liquidity, using their own tech.

05:35Becoming a regulated bank gives them massive credibility when talking to central banks, big global institutions.

05:40It changes the whole perception from tech disruptor to, well, financial infrastructure.

05:46And their CEO, Brad Garlinghouse, he's put a number on this ambition, has a really big number.

05:51He projected that XRP could potentially handle, what was it, up to 14% of SWIFT's total volume.

05:57SWIFT does like $150 trillion a year.

05:59That's enormous.

05:59It's a massive target, no doubt.

06:01And we shouldn't ignore the bigger picture, the macro environment.

06:04Global interest rates are expected to fall.

06:06Liquidity should return to the system.

06:08When money's cheaper, there's more demand for assets like XRP that can move value instantly, efficiently across borders.

06:14Fast, reliable, tokenized settlement becomes really attractive.

06:17Okay, so despite all this positive news, the legal win, the ETFs, the ambitions, why do some analysts still say XRP is undervalued?

06:26It's still trading like 40% below its old peak.

06:30Bitcoin, Ether, Solana, they've all hit new highs recently.

06:33Yeah, that difference really highlights XRP's specific role.

06:36It comes down to utility versus pure scarcity.

06:39Bitcoin is often seen as, you know, digital gold, valued because it's scarce, a store of value.

06:44XRP, think of it more like the digital Visa network.

06:46Its value proposition is speed, efficiency, handling huge transaction volumes for payments and liquidity.

06:51Different jobs.

06:52Give us the stats.

06:53What makes it so good for that payments rail job?

06:55Okay, performance-wise, speed.

06:57Transactions settle in three to five seconds.

06:59That's incredibly fast.

07:01Compare that to Bitcoin's maybe 10 minutes on average.

07:04Even Ethereum's around 15 seconds.

07:06And the fees are ridiculously low, usually less than a penny per transaction.

07:10For moving money across borders frequently, that cost difference is non-negotiable.

07:14And crucially for big institutions, the energy use.

07:18XRP uses something called proof of authority, POA.

07:21Right, POA.

07:22Can you break that down quickly?

07:23Why is proof of authority better suited for enterprise finance compared to, say, Bitcoin's proof of work?

07:28Sure.

07:29So, POA doesn't rely on thousands of miners competing like Bitcoin.

07:33Instead, it uses a smaller, known set of trusted validators thank major companies, financial institutions, to confirm transactions.

07:40Because you don't have that massive computational race, the energy consumption is tiny, extremely low.

07:47This model prioritizes speed, knowing when a transaction is final, and having clear governance.

07:52That's exactly what banks want for financial infrastructure, Bitcoin's proof of work.

07:57It's all about maximizing decentralization and censorship resistance, which are, frankly, secondary concerns for a bank just trying to settle payments instantly.

08:05That makes a lot of sense for the enterprise angle.

08:07Let's touch on supply quickly.

08:08It was pre-mined, 100 billion tokens.

08:10But there's a slight twist, right?

08:12That's right.

08:12It's pre-mined, but every single transaction on the XRP ledger burns a tiny fraction of XRP.

08:18It's a very small amount each time, but it means the total supply is constantly, gradually shrinking.

08:23It's down to about 99.98 billion now, and slowly decreasing.

08:28Plus, looking ahead, Ripple's working on sidechains for smart contracts.

08:31That could potentially bring DeFi developers into the ecosystem, merging finance and programmability, creating whole new reasons for transactions.

08:39Okay, so pulling it all together, the bull case seems pretty strong, especially with the legal stuff sorted.

08:44But we need balance.

08:46What are the main risks?

08:47What should people really consider before jumping on those $8, $12 predictions?

08:51Well, the biggest criticism, the one you always hear, is centralization.

08:54XRP isn't like Bitcoin in that sense.

08:57Ripple, the company, still holds a very significant chunk of the total XRP supply.

09:01That raises governance concerns.

09:03How is Ripple holding a lot of XRP different from, say, founders holding a lot of stock in a tech company?

09:09Does it impact how people see the token itself?

09:12It definitely does.

09:13It means that major decisions about the network's future and even the market dynamics can still be heavily influenced by one single company.

09:19It's not fully decentralized in the way Bitcoin aims to be.

09:23Second, the economic model.

09:24XRP's value is fundamentally tied to how much it's used in network adoption transaction volume, not just how scarce it is.

09:31If Ripple doesn't succeed in capturing a big slice of that swift pie, then the core utility argument weakens no matter what the broader market is doing.

09:39And finally, regulation.

09:41Yes, the legal clarity is good now in the U.S., but regulations can change.

09:46Future governments might take a different stance.

09:48So investing in XRP is still speculative based on its adoption success, not like buying a guaranteed store of value like gold or maybe Bitcoin.

09:56Let's dive into that adoption piece for the price targets.

09:59How do analysts get from $2.50 today to potentially $8 or $12 by 2030 based purely on capturing SWIFT volume?

10:07What's the math?

10:07It's all about the liquidity needed to support the transaction volume.

10:11So SWIFT moves around $150 trillion annually.

10:14If XRP manages to capture, say, 5% to 10% of that volume, that's $7.5 trillion to $15 trillion moving across the XRP ledger each year.

10:23To handle that kind of flow smoothly without massive price swings every time a big payment goes through, the underlying asset, XRP, needs sufficient market depth.

10:31Basically, the total market cap of XRP needs to be large enough to absorb these flows.

10:36Analysts estimate that for 5-10% of SWIFT volume, you'd need an XRP market cap somewhere in the ballpark of $400 to $600 billion.

10:42Divide that market cap by the circulating supply, and yeah, you land right in that $8 to $12 price range per token by 2030.

10:49If it becomes the go-to settlement layer for banks, its value has to reflect that role.

10:53That really puts the utility model to the test.

10:56So connecting the dots here, XRP's incredibly tough legal fight seems over.

11:00The ETF wave looks like it's just starting, and that real-world use case story is finally beginning.

11:05The next few years really could define whether XRP becomes this core piece of global financial plumbing, or if it just stays a high-potential crypto asset.

11:14What the turnaround, though?

11:15From being sued by the SEC to being listed as a strategic asset, it's quite the journey.

11:21So the final question we'll leave you with today is this.

11:23Can XRP genuinely capture that 14% of SWIFT's massive market?

11:27Or is that maybe just wishful thinking, a bit of hype to drive interest, something to think about?

11:32And hey, if you found this deep dive valuable, please smash that like button, subscribe to the channel, and hit the notification bell.

11:38Seriously, engaging with a video, liking, subscribing, leaving a comment, it really does help the channel grow, boosts us in the algorithm, and lets us keep bringing you deep dives like this one.

11:47We truly appreciate your support.

Category

Transcript

Be the first to comment

Recommended