XRP has spent much of 2026 trading below its community’s often-discussed targets, but one XRP commentator says projections of these price targets seen through the wrong lens. The analyst argues that XRP should not be measured as a traditional stock, especially if it is an asset it works as designed and becomes associated with institutional settlement, liquidity management and high value financial transfers.
XRP commenter says market cap logic misses the point
Most discussions about XRP prices are based on comparisons of market capitalization and outstanding supply, which are the same models used to analyze stocks. However, according to an XRP commenter account known as CharuSan, this is the stagnant market cap logic applied to XRP since he basically gets it wrong what cryptocurrency is made for.
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XRP is intended as a means of liquidity and speed; therefore, the price of a cryptocurrency should not rise just because investors are buying it on exchanges. instead, projection is it The price of XRP will have to rise significantly if institutional systems start using it as a bridge asset for massive transfers that require high liquidity within seconds.
Furthermore, CharuSan to the size of global derivatives, equity markets, debt markets, DTCC volumes, FX settlements, banks, OTC markets and Nostro/Vostro accounts as areas where demand for liquidity could come from if fully integrated with the XRP Ledger. Therefore, a market cap of $500 billion or $1 trillion would be too small if XRP was expected to support these institutional trading volumes.
XRP must be at least $300
The target price offered by the analyst is that XRP will be mathematical forced to jump into the sky to $300 to set the wheels in motion. Notably, the $300 prediction is tied to a certain condition of full integration of XRP into major financial transfer systems. Once institutional automated software and APIs start sending large transfer orders to liquidity pools, the market will no longer be driven mostly by small buy and sell orders on the exchange.
Based on that setup, the main question would be the amount of XRP available at the exact moment the transfer needs to be completed. If billions of dollars are moving per second, institutions won’t be looking for cheap XRP sitting on a normal order book. The systems would draw from the deepest pool of liquidity available, and the unit price would need to rise if the available supply could not support the volume of transfers.
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It is interesting that the latest post part of the series by CharuSan XRP on how XRP could hit $300. In the previous part, he focused more directly on liquidity on demand and the difference between circulating supply and actual available XRP. He gave the example of a bank transfer of 200 billion dollars.
If the price of XRP were $20, such a transfer would require 10 billion XRP, which would be difficult to support if the system managed not just one bank but thousands of banks and institutions at the same time. RippleNet currently has over 300 banking partners, and around 40% actively use liquidity on demand.
Featured image created using Dall.E, chart from Tradingview.com
