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.

![XRP Price Chart](https://blog.tipranks.com/wp-content/uploads/2025/11/image-385.png)

Crypto is having one of its periodic meltdowns, with Bitcoin once again leading the decline and dragging the broader token universe down with it. XRP (XRP-USD) has ...

Could XRP Really Hit $66.67? One Investor's Bold Prediction for Massive Gains

## How is IBIT Stock Performing?

The **iShares Bitcoin Trust (IBIT)** showed a rebound today, but it's still down **9.34%** over the past 5 days. Year-to-date, it has gained **7.79%**.

![IBIT Performance Chart](https://blog.tipranks.com/wp-content/uploads/2025/11/image-558.png)

### Technical Analysis Insights

According to **TipRanks technical analysis**, IBIT currently holds a **Strong Sell consensus**. This is based on 14 Bearish, 3 Neutral, and only 5 Bullish ratings.

![Technical Analysis Chart](https://blog.tipranks.com/wp-content/uploads/2025/11/image-560.png)

### Investor Sentiment and Holdings

Based on activity from **826,386 investors** in the recent quarter, IBIT has scored **above-sector-average positive sentiment**. The most active buyers are investors aged between **35 and 55**. In total, **1.9% of all portfolios** hold IBIT.

## Today's IBIT Performance

Today, IBIT was up **3.57%**, closing at **$59.23**. This increase was primarily driven by **Bitcoin's price**, which rose **2.90%** to **$104,412.77**.

### Key Market Drivers

- **Metaplanet's Bitcoin Purchases**: Japanese Bitcoin treasury **Metaplanet** is buying more Bitcoin after securing a **$100 million loan** using its crypto as collateral. However, they are adjusting their strategy to account for **Bitcoin's price volatility**.
- **Galaxy's Revised Forecast**: Institutional crypto firm **Galaxy** has slashed its end-of-year Bitcoin target from **$185,000** to **$120,000**. As reported by *Reuters*, Galaxy stated that Bitcoin has entered a new **'maturity era'**, where **institutional absorption, passive flows, and lower volatility** will dominate.

How is IBIT stock faring? The iShares Bitcoin Trust ($IBIT) was back on form today. It is now down 9.34% over the past 5 days and is 7.79% higher in
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