XRP price prediction remains a hot topic among crypto analysts and investors, with growing speculation about its potential to reach the elusive $100 mark. A prominent personality in the digital asset space has recently reignited this discussion, offering multiple arguments in favor of such an ambitious target.
Social media figure John Squire, known for his crypto commentary to over half a million followers on X, presented several reasons why he believes XRP could catapult toward the $100 level. One of the main points he addressed was the frequently cited market cap ceiling. According to Squire, it’s a common fallacy to treat market capitalization as a barrier to price growth.
In his post, he argues that market cap is simply the product of price and supply, not an indicator of real money flow or liquidity. “Saying XRP can’t grow because of market cap is like suggesting Ferraris are unaffordable purely because average incomes are low,” he wrote. His point emphasizes that such metrics don’t fully account for investor sentiment and speculative momentum.
Squire believes XRP’s real strength lies in its liquidity. He explains that minor investment inflows can have an outsized impact on price due to the relatively small amount of actively traded tokens—just about 5% of the total supply. The rest is either locked or held long-term. “When demand picks up, available supply contracts, resulting in rapid price movements,” he highlighted.
However, XRP undergoes a scheduled token release every month, where a billion tokens are unlocked by its issuing entity. Though this practice has been pre-set and doesn’t typically result in immediate volatility, it adds to the coin’s inflationary pressure over time—a concern for long-term investors.
Moving beyond technicals, Squire noted XRP’s real-world utility as a cross-border payments solution. Unlike meme coins, XRP is integrated into various institutional systems for international transactions. “The more use it sees in banking, the more demand it generates,” he noted, emphasizing a utility-driven growth narrative rather than pure speculation.
He also pointed to the expansion of XRP’s ecosystem, which now includes sidechains compatible with Ethereum Virtual Machine (EVM) and decentralized finance (DeFi) applications. These technological advancements could serve as catalysts for broader usage, especially if XRP-based ETFs gain approval. Combined with wider global adoption and potential investor FOMO, Squire believes that hitting $100, while lofty, isn’t entirely out of reach.
Even with his optimism, Squire cautioned that his remarks should not be taken as investment advice. He urged followers to conduct their own in-depth research and remain vigilant when navigating the volatile crypto market.
Institutional Forecast Adds to Bullish Sentiment
Besides influencers, traditional financial institutions have also shared bullish projections for XRP. British banking giant Standard Chartered recently predicted substantial growth for the digital asset. According to a report, the bank anticipates XRP could reach $5.50 before the end of this year, and climb to $12.50 by 2028. These forecasts are tied to the expected political and regulatory shifts under a potential second term for Donald Trump, including the possible approval of XRP-focused exchange-traded funds (ETFs).
Several asset managers, including Grayscale, Bitwise, 21Shares, and Franklin Templeton, are actively pursuing regulatory clearance to roll out spot XRP ETFs in the United States. These financial products would provide easier access to XRP for institutional and retail investors alike, fueling demand and improving market legitimacy.
According to the prediction market Polymarket, the probability of an XRP ETF approval by the end of 2025 currently hovers around 73%. If realized, such regulatory approval could mark a significant milestone and set the stage for potential accelerated adoption.
While some of these projections may seem overly optimistic, they reflect the growing confidence among both individual and institutional players in XRP’s value proposition. Whether or not the price hits three digits remains uncertain, but the momentum behind the project continues to build.
