XRP is trading around $1.37, but commentator SMQKE is looking past the short-term chart to the long-term utility case.
SMQKE’s view centers on the idea that XRP’s value will be driven not by speculation alone but by whether it becomes a fundamental liquidity asset for international payments. From that perspective, XRP could rise to a much higher and more stable value over time.
XRP’s Rise Starts With Bank And Payment Provider Adoption
XRP’s bullish case is built on adoption and its proposed role in international fund transfers. Rather than attaching a specific price target, SMQKE focuses on how growing usage could create steady demand for liquidity, with XRP positioned as the settlement layer.
As more banks integrate Ripple’s distributed ledger technology for international payments, transaction flow can move across the network, increasing demand for liquidity. Payment service providers such as Finastra, Volante, and CGI could also feed transaction volume into the XRP Ledger. These providers can leverage cross-currency real-time gross settlement (RTGS) functions and a neutral liquidity marketplace, expanding payment flows beyond direct bank-to-bank usage. Over time, bank adoption and payment-provider use of cross-currency RTGS and the XRP Ledger’s neutral liquidity marketplace could massively grow network transaction volumes.
A $180 Trillion Market
SMQKE highlights $180 trillion as the estimated annual volume of the international payments market that XRP is positioned to serve as a bridge currency. He argues XRP is well placed to become the best liquidity vehicle for these payment markets, and that market size is a key reason the price could surge.
SMQKE also points to XRP’s supply structure: a maximum supply capped at 100 billion tokens. While using that figure for ultra-bullish per-token price targets may be unrealistic, XRP cannot be mined and, according to the outlook, supply will decline over time. Wider demand could also reduce volatility, making price more stable as usage becomes constant due to steady bridging demand.
XRP trading at $1.37 on the 1D chart | Source: XRPUSDT on Tradingview.com
Featured image from Getty Images, chart from Tradingview.com
