Jakesonaplane

Exactly. That’s what detractors point to is market cap. So I looked into the people who explain why market cap doesn’t matter with XRP. I do not think it’s going to $10,000 but I believe it will go up a considerable amount from its $2.37 per coin right now. This info below is what I read that makes me see the potential.

TL;DR: XRP could hit $100 because its utility drives demand, and market cap is irrelevant for utility coins. As adoption grows and XRP becomes integral to global finance, its price will reflect its role, not its supply. Market cap is just a number-it doesn't define the true value of a utility token like XRP
I see a lot of people dismissing the idea of XRP reaching $100 because of "market cap," but here's the thing: market cap isn't the ultimate metric for utility coins. Let me explain why XRP's value could rise significantly despite its large supply.

Utility > Market Cap
XRP is a utility token, meaning its value is tied to its use case, not speculation. XRP is designed to facilitate cross-border payments, liquidity, and settlement for financial institutions. If institutions globally adopt XRP for transferring trillions of dollars daily, its price will rise naturally, because the demand for XRP will outpace its supply.
Market cap is simply a math equation: price x supply. It's not a hard ceiling that limits a coin's price. For utility coins like XRP, what really matters is how much demand their utility generates. If XRP is essential for moving global money efficiently, its price could easily rise regardless of market cap.

Global Money Movement is Massive
The global cross-border payment market processes trillions of dollars annually. XRP is positioned as a bridge currency to reduce friction and costs in these transactions. The potential market for XRP's utility is enormous.
If XRP becomes a key player in settling even a fraction of global payments, the volume and demand for XRP will skyrocket. At that point, the concept of market cap becomes irrelevant because XRP's price reflects its role in the global financial system.
High Price is Necessary for XRP's Functionality For XRP to be effective in large-scale payments, its price needs to increase. Why? Because higher prices mean less XRP is needed to settle large transactions. Imagine moving $10 trillion in cross-border payments-at $1 per XRP, you'd need 10 trillion XRP. At $100 per XRP, you'd only need 100 billion.
This efficiency is critical for financial institutions using
XRP as a bridge asset. The higher the price, the more efficient the system becomes.

Market Cap is a Misleading Metric for Utility Coins
Market cap makes sense for stocks or speculative assets, but it's not a meaningful metric for utility tokens. Utility coins derive their value from their adoption and usage within their ecosystem. If XRP is solving real-world problems, its price can rise regardless of market cap, because the demand is based on function, not speculation.

That has actually been a concern in the XRP community for a number of years. What if institutions use XRP for testing and then launch their own centralized alternatives like JPM Coin, various CBDCs, or several proprietary bank settlement layers?

The counterargument is that XRP has already built liquidity corridors and regulatory clarity (at least in some regions), making it a viable settlement layer for institutions that don’t want to reinvent the wheel. However, if the biggest players decide to go their own way, retail could end up having funded R&D without seeing the expected adoption.

This is still a gamble at the end of the day and not a sure thing. I love to gamble and honestly I’m betting the farm that XRP will rise to a cost per coin high enough for me to exit with my bag before something like this ever happens. I don’t plan to hodl forever like some people who believe XRP will actually replace the dollar and become the de facto currency in the future

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People fantasized it would replace swift. However swift is rolling out instant transactions this year and has already demonstrated this technology

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I would read this article but in short, SWIFT’s upgrades are insufficient

Nine Reasons Why XRP Will Replace SWIFT

For those interested here’s a cheat sheet intro to XRP

Timeline:
2004 - Ripple's Origins
Ryan Fugger conceptualizes
Ripple as a decentralized digital payment system.
2012 - XRP Ledger Created
Ripple (now Ripple Labs) is founded by Jed McCaleb, Chris Larsen, and Arthur Britto. XRP
Ledger (XRPL) launches.
2013 - XRP Distribution
Begins. 100 billion XRP is pre-mined, with a majority allocated to Ripple Labs and the founders.
2017 - XRP Hits $3.84
XRP reaches its all-time high during the crypto boom.
2020 - SEC Lawsuit Against Ripple. The SEC sues Ripple, alleging XRP is a security, leading to legal battles.
2023 - Ripple's Partial Legal Victory. Court rules that XRP is not a security in secondary market sales, causing a surge in XRP's price.
2024 - XRP Expanding Utility Ripple announces partnerships for cross-border payments, CBDCs, and enterprise adoption.

What Problem Does XRP Solve?
The Problem: Slow and expensive international money transfers. Dependency on traditional banking transfers.
The Solution: XRP enables near-instant, low-cost
Financial institutions use XRP to streamline liquidity.

Quick Stats:
-100 Billion XRP - Total fixed supply.
-3-5 Seconds - Avg transaction settlement time.
-Bank-Friendly: Over 300 Banks + institutions use Ripple technology.
-$0.0002 Avg. Fee - Much lower trans fees than Bitcoin and Ethereum.
-XRP Ledger (XRPL) - Decentralized and open-source blockchain.
-Global: Designed to enable cheap + fast international transfers.
-Not Mined: Unlike Bitcoin, XRP does not rely on energy-intensive mining.

What You Need to Know:
What is XRP?
XRP is a digital asset designed for fast and low-cost cross-border transactions. It runs on the XRP Ledger, an energy-efficient, decentralized blockchain.
Who Controls XRP?
XRP Ledger is open-source and decentralized, but Ripple Labs plays a key role in its development.
How Does XRP Work?
XRP acts as a bridge currency, enabling near-instant global payments without pre-funded accounts.
How Much XRP is There?
100 billion XRP was created, and no more can be mined. Some XRP is burned with every transaction.
Why Do People Buy XRP?
Cross-Border Payments: Used by banks and remittance providers. Investment: Some see it as a hedge against traditional finance. Utility: Facilitates seamless transactions on XRPL-based platforms.
Is XRP Secure?
Yes. The XRP Ledger is highly secure and decentralized.

It currently has 17 ETF applications waiting to be approved, the SEC will drop the lawsuit against them as soon as they figure out what to do with the $125 million judgement, and there will be massive institutional adoption worldwide. $10,000 might be farfetched but to think it isn’t going to go up in value considerably is kinda silly. Do your research on it obviously but I believe it’s worth parking some money in

Every meme coin I’m invested in is down 14-22% and still dropping. Hopefully this doesn’t go on much longer

This is why you weren’t hired to produce the fix

LINK

LINK

So awful. No cause of death revealed

My snowboard is purple and gold tiger stripes and says GEAUX TIGERS across the bottom of it. I run into at least 5 LSU fans every time I’m out at breck.