Vandell
Co-Founder of Black Swan Capitalist, Crypto/Gold Macro
XRP can rise without new utility because markets price scarcity and narrative. Its fixed supply, escrow dynamics, perceived value and inflation of risk assets against the dollar are primary drivers, not whether another use case launches. The debt-based system has fueled asset inflation; global adoption and institutional demand for utility will amplify XRP's demand and price, but are not required for it to rise. x.com x.com x.comÂ
XRP's long-term thesis is intact after its move higher from the macro accumulation zone near $0.99, where its upside looked highly asymmetric. Pullbacks remain possible, but every legitimate new bull market corrects early, giving those who missed the recent 40% advance chances to enter at better levels. XRP is likely to again be one of the most asymmetric plays in the late phase of the coming bull market. x.com x.comÂ
RLUSD is positioned to become a main liquidity layer for XRP trading, as Tether did for Bitcoin. Planned Coinbase access and institutional backing add to Ripple's trust-bank OCC approval, BNY custody and RLUSD's Moody's A2 as adoption groundwork. If XRP becomes core settlement infrastructure, today's market-cap valuation models would look conservative; $100 is a number, not a ceiling. x.com x.com x.com x.comÂ
The broader crypto bull market should help XRP do very well into 2027, even as its adoption case looks less compelling. More tokenization appears to be happening on Ethereum than XRPL, Ripple feels a bit behind on innovation, and fast cross-border settlement is less distinctive now. A rising XRP price would not necessarily signal long-term success for XRPL. x.com x.comÂ
XRP faces mild selling risk as Binance's share of its supply may be rising while bears look more dominant. That share rebounded from about 2.58 to 2.66 in October; daily XRP Ledger transactions reached about 2.49 million, up 14.78%. More transactions do not automatically mean buying: they include sellers, and their destination and value are unknown. With price weak, rising exchange supply could add downside pressure, though these indicators do not directly determine price. x.comÂ
Ripple's Swell event could give XRP a bump once Bitcoin finishes its correction, as more XRP news arrives while the token is already in the buy zone. Franklin Templeton added $150M in tokenized money-market fund shares to the XRP Ledger; that is adoption, not $150M of XRP buying. XRP has been cheap enough to hold. x.com x.comÂ
Ripple's growing distribution and financial scale are expanding the wider XRP ecosystem. RLUSD is now available on Coinbase and Coinbase Prime for users and institutions to convert dollars at 1:1. Ripple says it is on track to exit 2026 at $900 million in annualized product revenue, after enabling over $16 trillion in transactions across its products in 2025; it reports 1,700-plus clients, over 85 regulatory licenses and final approval for a US National Trust Bank charter. x.com x.comÂ
XRP's weak volume makes today's bullish mood hard to trust despite positive XRP Ledger and Ripple news. Aviva Investors added a tokenized share class and Ripple launched a treasury product, but Nodiens Coin Insights reports 24-hour volume down 24.1%, a -0.81 Sharpe ratio and a 63.60% drawdown. Volume needs to recover before the bullish mood is credible. x.comÂ
Growing demand for tokenized finance could make XRP, Stellar, Hedera and Chainlink increasingly important as traditional finance moves onchain. PwC reports 822,000 tokenized-asset holders, 10 times the end-2024 level, and 259 million stablecoin holders, up 83%. Over 80% of surveyed investors expect better global reach and round-the-clock market access; 41% of institutional investors say better custody and trading infrastructure would encourage them to invest more. x.comÂ
XRP is positioned like few cryptocurrencies to capture institutional demand, and its chart has broken out and is close to confirming a new bull trend. x.comÂ
XRP is a pre-mined corporate token, not a bet on the future of money. The promise that banks will use XRP has been dangled before retail investors for years, while Ripple keeps wheeling fresh tokens out of escrow and dumping them on buyers. Bitcoin has absolute scarcity; XRP has lore, escrow, conference booths and a holder base trapped waiting for bank adoption. Buying it in 2026 is like finding a Blockbuster gift card in a landfill and calling yourself early to the future of entertainment. … Show more
XRP is set for one of the greatest runs of the cycle, beating ether's return off the lows, though it is still stuck in a lower-timeframe range. A little over $15, about a $1 trillion market cap, is a good start, with $20-30 expected; if ether hits $20,000, an equivalent XRP cap implies $20-plus. XRP flipped ether in 2017-18, and crypto can add $5-10 trillion this cycle, peaking around 2027 or 2028. Per @BankXRP, RLUSD supply hit a record $2.49 billion. x.com x.com x.com x.com x.com x.comÂ
