Can 5,000 XRP Make You a Multi-Millionaire? Bold $3,380 Forecast Sparks Debate
A viral prediction by @FutureXRP has reignited the conversation around XRP’s long-term potential, claiming that 5,000 XRP could one day be worth over $16 million. The forecast is based on a valuation model placing XRP’s future price at $3,380, driven by the assumption that global financial infrastructure will eventually migrate to the XRP Ledger.
The tweet, which quickly spread through the XRP community, outlines a scenario where XRP becomes the backbone of international settlement systems, overtaking legacy networks like SWIFT, the DTCC, and potentially integrating with platforms like Amazon and the FX markets.
The $3,380 Valuation Model Explained
According to @FutureXRP, XRP’s current price near $3.00 and a circulating supply of 60 billion tokens allow the network to handle approximately $1.3 trillion in annual on-chain volume—assuming a velocity of 10.
However, if XRP were to support a significantly larger share of the global economy—ranging from $100 trillion to $2 quadrillion in annual transactions—the price per token would need to rise by 1,538x to accommodate the additional demand, assuming supply and velocity stay constant. This leads to the model’s headline estimate of $3,380 per XRP.
Fueling this vision are recent moves by @Ripple. CEO @bgarlinghouse stated in June that the XRP Ledger could absorb 14% of SWIFT’s volume within five years. Meanwhile, Ripple’s acquisition of Hidden Road, which has ties to the DTCC, adds weight to the notion that XRP may soon operate within legacy financial rails that process over $11 trillion per day.
XRP as a Gateway to Generational Wealth?
If the price projection proves accurate, the implications for XRP holders are extraordinary. According to the same model:
•1,000 XRP could be worth $3.38 million
•5,000 XRP could reach $16.9 million
•10,000 XRP would be valued at $33.8 million
•50,000 XRP could be worth a staggering $169 million
These figures paint XRP not just as a speculative asset, but as a potential gateway to generational wealth, provided the necessary macro shifts take place in finance and regulation.
Criticism Emerges Over Assumptions
Predictably, the model has drawn skepticism. Critics argue that the velocity assumption of 10 is unrealistically low. Traditional financial systems like SWIFT often operate with turnover rates of up to 200x annually. If XRP functioned under such high-velocity conditions, the price required to support $2 quadrillion in volume would fall to around $166, not $3,380.
Others challenged the idea that XRP could dominate this space alone. Competing technologies from @StellarOrg, @circle’s USDC, and Ethereum-based infrastructure are also positioning themselves as viable solutions for global payments and settlement.
Grok AI’s Analysis: Bullish but Cautious
Adding an AI perspective to the debate, @FutureXRP consulted Grok 3, the large language model developed by @xAI. Grok summarized the model and leaned moderately bullish, suggesting that an XRP price between $200 and $1,000 is realistic if the ledger plays a central role in a tokenized financial system.
However, Grok also cautioned that reaching the $3,000+ range would likely require a major systemic shift—such as a collapse of fiat reserves or a rapid move away from dollar-dominated trade settlements.
Conclusion: Model or Myth?
Whether the $3,380 price target is visionary or far-fetched, it has certainly reignited investor interest. As @Ripple expands its institutional integrations and regulatory clarity edges closer, XRP’s future may lie somewhere between modest gains and a full-scale redefinition of global value transfer.
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XRP ETF Decision Could Happen Within 21 Days. Here’s Why
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According to @TimesTabloid1 article
XRP ETF Could Be Just Weeks Away as SEC Mulls New Listing Framework
A pivotal shift in the U.S. crypto ETF landscape may be only days away, potentially opening the door for a spot @XRP ETF in record time. According to @SMQKE, the @SECGov is preparing to issue a decision on a new ETF listing framework within 21 days, a move that could fundamentally reshape how crypto-based ETFs come to market.
A Game-Changer for Crypto ETFs
The proposals—submitted by both the @CBOE BZX Exchange and @NYSE Arca—seek to eliminate the burdensome 19b-4 filing requirement currently needed for each individual crypto ETF. Under the new framework, crypto ETFs could be approved via generic listing standards, significantly reducing costs and cutting the approval window from 240 days down to as little as 75 days.
This procedural overhaul would initially apply to crypto assets with a proven futures trading history—defined as at least six months on a regulated U.S. derivatives platform like @Coinbase Derivatives Exchange.
Among the first eligible candidates: XRP, Ethereum (ETH), Solana (SOL), and Dogecoin (DOGE)—each meeting the six-month trading threshold. While liquidity and market cap criteria are not yet specified, both exchanges indicated they intend to include them in future iterations.
David Schwartz Reaffirms XRP’s Role Amid RLUSD Speculation
@Ripple CTO David Schwartz has publicly reaffirmed the company’s long-term commitment to $XRP, responding to growing concerns from the community about whether Ripple is shifting its focus toward its upcoming stablecoin, RLUSD.
In a recent discussion with XRP holders, Schwartz clarified that while stablecoins serve important use cases, XRP remains the backbone of Ripple’s cross-border infrastructure and is deeply embedded in the firm’s payment ecosystem.
XRP Remains the Core of Ripple Payments
According to Schwartz, XRP continues to be Ripple’s preferred bridge asset in international payments, offering unmatched speed, cost efficiency, and direct integration into the @RipplePayments infrastructure. He emphasized that, although he couldn’t provide exact figures on usage, XRP is “used more than any other digital asset” within Ripple’s services.
This central role is not symbolic. Schwartz made clear that XRP’s function as a liquidity token is operational, meaning it is actively enabling real-time fiat conversions between global currencies—particularly in corridors that lack direct fiat liquidity.
Ripple CTO Explains Why Billions Not Moving On XRP Ledger Yet Despite Partnerships with 300+ Banks
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According to @TimesTabloid1 article
Why XRPL On-Chain Activity Remains Low Despite Ripple’s Global Reach
Despite @Ripple’s extensive network of over 300 global banking and financial partners, the XRP Ledger (XRPL) has yet to demonstrate the kind of on-chain volume expected from such a wide-reaching institutional ecosystem. This disconnect has led many in the crypto community to question why billions in daily volume have not materialized.
@JoelKatz, also known as David Schwartz, Ripple’s Chief Technology Officer, offered a detailed explanation in a recent post on X. His insights clarify the regulatory, technical, and strategic barriers still limiting XRPL’s direct on-chain utility—despite the company’s global success in building partnerships.
The Regulatory Bottleneck and Institutional Reluctance
According to @JoelKatz, regulatory compliance is the key reason institutional players remain hesitant to transact directly on-chain. Many institutions continue to handle digital assets off-chain due to the inability to verify the identity and legitimacy of decentralized liquidity providers.
Even @Ripple itself cannot currently use the XRPL’s decentralized exchange (DEX) for payments, as Schwartz candidly admitted: “We can’t be sure a terrorist won’t provide the liquidity for payment.” The lack of KYC-compliant infrastructure on the DEX side makes it legally risky for regulated actors.
To solve this, @Ripple is actively developing “permissioned domains”—tools that allow parties to confirm they’re interacting only with verified, compliant entities. “We’re close to changing that,” Schwartz noted, emphasizing that institutions are starting to understand the benefits of on-chain settlement.
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Volatility as a Feature, Not a Bug
Another frequent objection raised is XRP’s price volatility, often compared unfavorably to stablecoins. But @JoelKatz pushed back, arguing that volatility can sometimes be a strategic advantage. “As long as you aren’t very risk-averse, holding it is not a disadvantage,” he said.
Importantly, XRP’s role as a bridge currency requires it to be held by someone—ready to be deployed precisely when needed. In Schwartz’s view, holding XRP avoids the operational inefficiencies of managing multiple less liquid assets in a multi-currency environment.
Crypto Alert: Coinbase’s XRP Cold Wallets Drained in Silent Overhaul
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According to “36Crypto” article
Coinbase Restructures XRP Cold Storage, Slashes Wallet Count by 40%
In a surprising but deliberate move, @Coinbase has begun a significant overhaul of its $XRP cold wallet infrastructure. As reported by @XRPwallets, a leading on-chain analyst, the exchange has reduced its funded XRP cold wallets from 52 to just 35 — a 40% drop in total addresses holding funds. Each of the remaining wallets now carries exactly 16.8 million XRP, a rebalancing that appears to be part of a broader internal realignment.
Initial data from June 9 showed Coinbase managing 970 million XRP across 10 wallets with 26.8M XRP and 42 with 16.8M. But the latest July 29 update confirms that only the 16.8M tranche remains active, pointing to a silent yet strategic shift in custodial management.
Outbound XRP Flows Hint at Deeper Strategic Moves
This wallet pruning coincides with large-scale transfers. One of the most notable involved 16.8 million XRP being moved from a cold wallet labeled “Cold Wallet 400” to a @Coinbase hot wallet. These outbound flows are being carefully watched by the on-chain community, with speculation swirling around the purpose and timing of the transfers.
In response to public inquiries, @XRPwallets clarified that at least 8 million XRP is being redirected into new subwallets — some of which show linkages to @Bitstamp and @BitGo, both of whom are integral to @Ripple’s On-Demand Liquidity (ODL) ecosystem. These associations suggest the restructuring may be part of broader liquidity positioning or infrastructure upgrades.
XRP and Other Tokens to Be Accepted by US Merchants via PayPal
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According to @Utoday_en article
PayPal Unlocks Crypto Payments for U.S. Merchants—XRP and Solana Included
@PayPal has officially announced the upcoming launch of its “Pay with Crypto” feature, enabling U.S.-based merchants to accept a broad range of digital assets, including $XRP and $SOL, for customer payments. The move represents a major leap toward mainstream integration of blockchain-based assets into traditional payment infrastructure.
XRP Goes Live for Retail Payments
The new system allows users to pay with supported cryptocurrencies, which are automatically converted into $PYUSD, PayPal’s stablecoin, and then into U.S. dollars. Payments can be made via major wallets like @Coinbase, @MetaMask, @Binance, @Phantom, and @Exodus, bringing wide interoperability across both EVM and non-EVM ecosystems.
By including $XRP—a token known for its speed, scalability, and low-cost transactions—@PayPal is directly validating XRP’s role in real-time commerce and cross-border utility, marking one of the most high-profile use cases for the asset to date.
Ripple CTO Just Confirmed the Inevitable about XRP Ledger
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According to @TimesTabloid1 article
Ripple CTO Declares Tokenization of Billions in RWAs on XRP Ledger Is Now Imminent
In a powerful new video released today on X by prominent XRP advocate Edo Farina, Ripple’s Chief Technology Officer, David Schwartz, delivered a bold and timely message: the tokenization of real-world assets (RWAs) worth hundreds of billions of dollars on the XRP Ledger is no longer a futuristic concept—it is about to become reality.
Solving Real-World Inefficiencies, On-Chain
Schwartz explains that the XRP Ledger (XRPL) is uniquely positioned to solve deep-rooted inefficiencies in legacy systems—especially in sectors like property, lending, and finance—by enabling on-chain tokenization of assets such as property titles, liens, and collateral.
“The goal is to streamline what currently takes days or weeks—burdened by paperwork and manual verification—into near-instant, trustless transactions on a public blockchain,” Schwartz stated.