Analyst: XRP Could Top $10 if Banks and Central Banks Adopt It
Crypto educator Jesse, founder of Apex Crypto Academy, argues XRP could exceed $10 if banks and central banks adopt it as a settlement asset. Trading near $1.84 at publication, Jesse frames valuation around payment throughput and settlement velocity rather than static market-cap comparisons or Bitcoin-style store-of-value metrics. He notes traditional finance and central banks process far greater daily volumes than Bitcoin and says Ripple’s focus on cross-border payments and partnerships with banks could drive institutional demand for XRP liquidity. Jesse warns simple market-cap math ignores settlement velocity, liquidity cycles and institutional behavior; broad adoption as a settlement asset would materially raise required liquidity and could justify a roughly fivefold price increase (implying a market cap near $600 billion). Critics counter that XRP has traded below $3.84 for years and view double-digit forecasts as optimistic. The coverage emphasizes this is opinion, not financial advice.
Bullish
The argument that institutional adoption and central-bank settlement could materially increase XRP liquidity and demand is bullish for XRP’s price if realized. Short-term impact is likely muted: market skepticism, ongoing legal/regulatory issues and the long lead time for banks/central banks to adopt a new settlement asset mean immediate price moves will depend on news flow and sentiment rather than fundamentals. Traders may see volatility spikes on announcements of partnerships, pilot programs, or central bank trials. Long-term, widespread adoption as a settlement asset would raise required circulating liquidity and transaction velocity, supporting a materially higher market cap and price. Conversely, failure to achieve significant institutional uptake or persistent regulatory/legal setbacks would keep the outlook neutral-to-bearish. Given current facts — strong narrative but weak near-term adoption signals — the news is classified as bullish because it increases the probability of a positive, adoption-driven upside scenario for XRP.