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XRP is trading around $1.37, but commentator SMQKE’s outlook shifts focus from short-term price action to the token’s long-term utility in international payments. The view is that XRP’s value will be determined less by speculation and more by whether it becomes a fundamental liquidity asset used for cross-border transfers, supporting a move toward a higher and more stable valuation.
The bullish case presented in the post ties XRP’s potential to broader adoption of Ripple’s distributed ledger technology for international payments. The argument is that as more banks integrate the technology, transaction flow can move across the network, increasing usage and, in turn, demand for liquidity. XRP is positioned as a central component of the settlement layer.
The post also points to payment service providers that could help drive transaction volume into the XRP Ledger, including Finastra, Volante, and CGI. The rationale is that these providers can use cross-currency real-time gross settlement functions and a neutral liquidity marketplace, expanding payment flows beyond direct bank-to-bank usage.
Over time, the post argues that growing bank adoption of Ripple’s distributed ledger solution—along with payment service providers leveraging cross-currency RTGS capability and the neutral liquidity marketplace—could lead to a substantial increase in network transaction volumes.
A key figure in SMQKE’s thesis is $180 trillion, described as the estimated annual volume of the international payments market that XRP is positioned to serve as a bridge currency.
SMQKE also cites XRP’s supply structure as a long-term factor. XRP’s maximum supply is capped at 100 billion tokens. While the post notes that calculations based on this cap can lead to unrealistic ultra-bullish price targets, it highlights that XRP tokens cannot be mined and that the supply will constantly decrease.
Volatility is addressed as another element of the long-term outlook. The post suggests that broader and more consistent demand—driven by XRP’s role as a bridging currency—could make the price more stable over time.
XRP trading at $1.37 on the 1D chart
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