XRP Price Discussed on Reddit, with Users Claiming Market Cap Irrelevant to XRP Cost

In recent developments, major asset managers have filed for U.S. spot XRP ETFs, a move that could inject billions into the market. This news, coupled with the expected resolution of the SEC vs. Ripple lawsuit in August 2025, has boosted confidence and sparked a wave of institutional interest.

Analyst Armando Pantoja, in a post comparing skepticism over XRP's valuation to early doubters of Microsoft, sees a path for XRP to move past $100 if institutional adoption continues to grow. Pantoja is not alone in his optimistic outlook, as former Goldman Sachs exec Dom Kwok also sees a long-term path for XRP to reach triple-digit prices.

The post "The Market Cap Myth Around XRP" challenges the belief that XRP's market cap limits its potential price. It suggests that XRP's role as a bridge currency in global payments could support massive payment volumes with a relatively small supply. This, combined with XRP's new AMM-powered liquidity features, makes it one of the most practical assets for cross-border settlements.

RippleNet's reach has expanded to 90+ markets and 55+ currencies, further solidifying XRP's position in the global payments landscape. The resolution of the lawsuit, expected to rule XRP as not a security in secondary markets, could further strengthen XRP's long-term outlook.

Analysts predict XRP could reach $5.05 by the end of 2025. Ultra-bullish estimates place XRP at $500+ by 2050 if it becomes a dominant cross-border settlement asset and blockchain adoption surges. Long-term projections suggest $50-$150 for XRP by 2035, assuming mass adoption, institutional use, and XRP Ledger's expansion in global payments.

However, the growing number of ETF filings and a potential approval could bring significant institutional capital inflows, estimated between 5 to 8 billion dollars. This could transform XRP's long-term outlook positively despite short-term regulatory and security concerns. In recent weeks, several institutional investors have filed ETF applications for XRP, including Nasdaq’s CoinShares, Franklin Templeton, Invesco, and Grayscale. However, the SEC has delayed decisions on these applications until October, creating uncertainty and pressure on XRP’s price.

Higher XRP prices could make settlements more efficient, requiring fewer XRP for the same transaction volume. As the market awaits the SEC's decision on the ETF applications, the focus remains on XRP's utility and liquidity, rather than its market cap, as the driving force behind its potential growth.

XRP Price Discussed on Reddit, with Users Claiming Market Cap Irrelevant to XRP Cost