Crypto Educator Says XRP Will Go Over Four Digits in Coming Years, Whether You Like It or Not

X Finance Bull, a widely followed crypto educator in the XRP community, has laid out a compelling vision for XRP’s future.

This transformative potential, combined with institutional participation and expanding use cases, forms the basis of his bullish outlook.

XRP Tapping Into the Trillion-Dollar Cross-Border Payments Market

The global cross-border payments market is immense, with total flows of approximately one quadrillion dollars in 2024. X Finance Bull emphasizes that even capturing a small share of this massive market could result in XRP handling trillions in daily transaction value

Notably, Ripple’s technology positions XRP to enable fast, cost-effective, and reliable settlements. It also addresses the liquidity needs of global institutions moving large sums.

Tokenization and Deflationary Economics

Beyond payments, the analyst highlights the emerging opportunity in tokenization of real-world assets (RWAs), a sector projected to reach $7 trillion by 2030

In his view, if the XRP Ledger captures just a modest portion of this market, it could inject tens of billions of dollars into the XRP ecosystem

Moreover, the adoption of stablecoins and DeFi applications on the XRP Ledger creates potential supply constraints, as tokens become locked or permanently removed from circulation

Specifically, the analyst suggests XRP’s deflationary tokenomics, with tokens burned on every transaction, could support upward price pressure as demand grows.

Institutional Adoption and Regulatory Progress

Meanwhile, institutional acceptance is also accelerating. He cited Japanese banks adopting XRP technology. Other positive developments, like the end of the SEC lawsuit and the possibility of XRP ETFs, have increased trust in the asset.

Ripple has also applied for a U.S. banking license and access to a Fed master account to become more connected with the banking system.

According to X Finance Bull, these advances position XRP not just as a participant but as a central pillar of the future global financial infrastructure.

XRP’s Long-Term Value Driven by Utility

Essentially, X Finance Bull believes XRP’s long-term value will stem from real-world use and business adoption, not short-term price hype.

As more people use XRP and its supply becomes more limited, he argues the price could rise significantly over time.

While a $1,000 price target may sound ambitious, X Finance Bull says it reflects the significant role XRP could play in global finance. To him, XRP reaching $100 is realistic, while hitting $1,000 is no longer a fantasy.

Meanwhile, critics continue to dismiss the $100 to $1,000 price outlooks for XRP due to the market cap the coin would command at those levels.

For context, a $100 price would give XRP a market cap of $6 trillion—nearly three times Bitcoin’s current $2.3 trillion cap. Similarly, a $1,000 price implies a $60 trillion market cap, about half the value of the entire global stock market.