Cryptocurrency is experiencing one of its periodic downturns, with Bitcoin once again leading the decline and pulling the broader token market down with it. XRP (XRP-USD) has been no exception, losing 29% of its value over the past month.
A High-Stakes Bet on XRP
Despite the current slump, crypto investor Alexander I. Velasquez sees this as a prime opportunity. He has allocated his entire portfolio to XRP, arguing that Ripple has built an infrastructure that surpasses traditional systems like SWIFT. In a bullish scenario, he predicts XRP could soar to $66.67, representing over 3,000% upside from current levels.
Ripple's Solution to Cross-Border Payments
Ripple Labs aims to revolutionize international payments by addressing inefficiencies in systems like SWIFT, which can take three to five days to process transfers and charge fees of 5% to 8%. Using the decentralized XRP Ledger (XRPL), Ripple enables instant settlements—typically in three to five seconds—at a cost of less than a penny. This allows for direct currency conversion without intermediary banks, reducing costs and speeding up transactions.
Velasquez emphasizes that XRP's competitive advantage lies in its real-world utility value through improving the banking system.
The Path to $66.67: A Detailed Analysis
XRP's potential value is tied to the $1 quadrillion global cross-border payments market, where it already handles about $5 trillion annually, including $1.3 trillion in Q2 2025. Ripple CEO Brad Garlinghouse has projected that XRP could capture 14% of SWIFT's $150 trillion yearly volume within five years (roughly $21 trillion), potentially rising to $40 trillion by 2030 as cross-border flows expand to $290 trillion.
Based on assumptions of $40 trillion in annual flows, a velocity of 8, a projected 75 billion XRP supply, and a 25% risk discount, this model supports a fair value of $66.67 per XRP.
A More Conservative Outlook
In a less optimistic scenario, Velasquez believes XRP could still reach a fair value of at least $10.97. He concludes that even capturing a fraction of the target volume offers significant upside, comparing XRP's position to Visa before the credit revolution—on the brink of global adoption.
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