XRP has spent most of 2026 trading below the price targets often discussed in its community, but one commentator argues that these projections are being looked at the wrong way. The analyst says XRP shouldn’t be measured like a regular stock, especially if it works as intended and becomes tied to institutional settlements, liquidity routing, and high-value financial transfers.
XRP Commentator Says Market Cap Logic Misses the Point
Most discussions about XRP’s price rely on market cap comparisons and circulating supply numbers—the same models used for stocks. But according to an XRP commentator known as CharuSan, this is a stagnant market cap logic that misunderstands what the cryptocurrency was built to do.
XRP is designed to be a liquidity and velocity asset. So, its price shouldn’t just rise because investors are buying it on exchanges. Instead, the idea is that XRP’s price will need to be much higher if institutions start using it as a bridge asset for massive transfers that require deep liquidity in seconds.
CharuSan pointed to global derivatives, stock markets, debt markets, DTCC volumes, FX settlement, banks, OTC markets, and Nostro/Vostro accounts as areas where liquidity demand could come from, if they fully integrate with the XRP Ledger. In that case, even a $500 billion or $1 trillion market cap would be too small to support those institutional trading volumes.
XRP Needs to Be at Least $300
The analyst suggests that XRP will be mathematically forced to skyrocket to $300 to keep things running. This $300 prediction depends on XRP being fully integrated into major financial transfer systems. Once institutional automated software and APIs start sending large transfer orders into liquidity pools, the market won’t be driven mainly by small exchange buy and sell orders anymore.
In that scenario, the key issue would be how much XRP is available at the exact moment a transfer needs to happen. If billions of dollars are moving every second, institutions won’t look for cheap XRP on a normal order book. The systems would pull from the deepest available liquidity pool, and the unit price would have to rise if the available supply can’t handle the transfer volume.
Interestingly, this latest post is part of a series from CharuSan on how XRP could reach $300. In the previous part, he focused more on On-Demand Liquidity and the difference between circulating supply and truly available XRP. He gave the example of a $200 billion bank transfer. If XRP were priced at $20, that transfer would need 10 billion XRP—which would be hard to support if the system were handling thousands of banks and institutions at once. RippleNet currently has over 300 banking partners, and about 40% are actively using On-Demand Liquidity.
Featured image created with Dall.E, chart from Tradingview.com
Frequently Asked Questions
Here is a list of FAQs based on the analysts criticism and prediction regarding XRP
BeginnerLevel Questions
Q What does it mean when an analyst says the reasoning about XRP is outdated
A It means people are using old arguments that dont match what is happening now in the crypto market or with the technology
Q Is the analyst actually saying XRP will hit 300
A Yes the analyst predicts the price could rally to 300 but this is a longterm prediction based on a major shift in how people value the asset not a shortterm guarantee
Q Why would anyone think XRP could be worth 300
A The theory is that if XRP becomes the standard bridge currency for global bank settlements the total value of transactions flowing through the network would be massive driving the price up significantly
Q Is 300 a realistic price for XRP
A Most analysts say it is highly speculative To reach 300 XRPs market cap would need to be in the tens of trillions which is far larger than the entire crypto market today Its an extreme bestcase scenario
IntermediateLevel Questions
Q What specific outdated reasoning did the analyst criticize
A The analyst criticized the idea that XRPs price is tied to the SEC lawsuit or that it only works for banks They argue these views ignore new utility and the fact that the lawsuit is effectively over
Q When does the analyst predict the rally to 300 could start
A The prediction is tied to a trigger event likely when a major financial institution publicly announces largescale use of XRP for crossborder payments or when the XRP Ledger sees massive adoption for tokenized assets
Q How does the analyst think the price can jump from 050 to 300