XRP is trading near $1.37, but analyst SMQKE is looking beyond short-term price swings to a long-term use case: XRP as a core liquidity asset for cross-border payments. The argument rests not on speculation but on whether XRP becomes a widely used settlement vehicle that supports ongoing transactional demand.
Adoption by banks and payment providers is central to this thesis. If more banks adopt Ripple’s distributed ledger technology for international transfers, payment flows could increasingly travel across the network, creating steady demand for bridge liquidity. Major payment-platform vendors such as Finastra, Volante, and CGI are cited as potential sources of additional transaction volume, able to plug into cross-currency real-time gross settlement (RTGS) functionality and a neutral liquidity marketplace.
SMQKE suggests that as bank integration and payment-provider usage grow—especially when combined with cross-currency RTGS and a neutral liquidity layer—transaction volumes on the XRP Ledger could scale dramatically. That expansion is the basis for the bold market estimate: roughly $180 trillion in annual international payments that XRP could help bridge.
Supply dynamics are also part of the outlook. XRP has a maximum supply capped at 100 billion tokens and cannot be mined; the commentary notes that available supply may decline over time under some scenarios. SMQKE argues that rising, consistent demand for XRP as a settlement medium would both support higher token value and tend to reduce volatility as usage becomes habitual rather than speculative.
In short, the bullish case presented focuses on real-world utility and network-driven demand. Rather than predicting a specific near-term price, the view ties long-term value to adoption by banks and payment processors and to the potential scale of global cross-border payment flows.