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XRP Idle supply, not trading volume, is the key argument.
Market commentator xrpl_Adam believes that XRP could one day become an asset worth US$100 trillion, driven by institutional demand for Ripple tokens as lock-in collateral. His argument refutes a common saying in the XRP community: large payment flows alone can support extremely high valuations.
Instead, he believes investors should focus on whether large financial companies are starting to accept XRP as collateral, saying this is the only development path that can create a structural reason for institutions to hold large amounts of tokens and could push their prices to $100 or even $1000.
In a series of posts posted on the X platform on July 29, xrpl_Adam first refuted an oft-quoted comparison: Because SWIFT handles approximately US$5 trillion in transaction volume per day, XRP requires a similar valuation to function as a bridging currency. He believes that a bridging asset that completes settlement in 3 to 5 seconds will be used repeatedly, and 100 turns over means that a daily flow of US$5 trillion requires only about US$50 billion in floating supply.
"Trading volume does not determine the price, idle inventory determines," the analyst said. Using XRP's supply data, he pointed out that there are currently approximately 100 billion tokens, of which 32.4 billion are in custody, and the remaining nearly 62 billion can be circulated, which is consistent with the circulation supply of 62.533 billion tokens shown on the CoinGecko website.
Based on this supply, if XRP reaches US$100, its market value will be approximately US$10 trillion; and if the price reaches US$1000, the network will be valued at approximately US$100 trillion. xrpl_Adam believes that the only driving force that can create long-term demand to push XRP value to this level is collateral-assets that are pledged for trading and remain locked during positions rather than circulating in the market. He compared this to gold, arguing that gold's value lies in being held, not constantly traded.
As evidence that Ripple may be heading in this direction, the market watcher pointed to Ripple's $1.25 billion acquisition of Hidden Road (now renamed Ripple Prime), a major broker that determines which assets can qualify as collateral. The SEC-registered rating agency KBRA gave its BBB issuer rating on April 2 and a BBB senior debt rating on July 8. But he also pointed out the missing part: Ripple's public collateral list and KBRA's report currently do not list XRP as eligible collateral. Moreover, although CEO Brad Garlinghouse talked in May about making XRP an acceptable collateral, this is only a future goal.
XRP prices are under pressure despite ecosystem progress
Ripple has recently taken a series of initiatives, including the launch of Ripple Mint to simplify institutional customers 'management of RLUSD stablecoins, and investing in compliance service provider Notabene to expand RLUSD's coverage among regulated payment companies. However, XRP prices barely reflect these developments. CoinGecko data showed that the asset is currently trading at about $1.09, up 2% in 24 hours, but fell 5% in the past seven days and failed to hold on to gains above $1.16 earlier in the week. In addition, the price is still more than 70% lower than the all-time high of $3.65 set in July 2025.
