Ripple’s XRP Could Hit $100T if Institutions Use It as Collateral: Analyst

XRP could one day become a $100 trillion asset, with the driver, according to market commentator xrpl_Adam, being institutional demand for the Ripple token as locked collateral.

His argument pushed back against one of the most common claims in the XRP community: that large payment flows alone could justify extremely high valuations.

Instead, he says investors should watch whether major financial firms start accepting XRP as collateral, calling that the only development that would create a structural reason for institutions to hold large amounts of the token and potentially push its price to $100 or even $1,000.

Idle Supply, Not Payment Volume, Is the Key Argument

In a July 29 thread on X, xrpl_Adam started by dismissing the often-cited comparison that because SWIFT moves roughly $5 trillion a day, XRP needs a similar valuation to matter as a bridge currency.

According to him, a bridge asset that settles in three to five seconds gets reused constantly, so turning it over 100 times means $5 trillion in daily flows only needs around $50 billion of float.

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