A cryptocurrency analyst has provided a fresh price update for XRP, highlighting its role as a systemically significant liquidity asset. According to the expert, the dynamics of its prices is beyond typical crypto speculationemphasizing its value as an indispensable financial tool providing global liquidity, settlement and treasury management.
The price of XRP signals value beyond cryptocurrency speculation
On January 27, cryptocurrency analyst and investor Rob Cunningham common a fresh approach to the price of XRP that challenges conventional thinking about cryptocurrencies. He emphasized that the issue of the value of XRP is not primarily about cryptocurrency speculation, but about balance sheets, liquidity and risk management. He also argued that understanding an altcoin requires seeing it as structural tool within the global financial system and not just assets traded on the market.
Cunningham noted that when XRP is treated as a plumbing, neutral security and source of settlement certainty, its price logic will no longer resemble Bitcoin’s. He described XRP as a systemically significant liquidity asset, meaning its valuation reflects a systemic function rather than market noise. Such a framework positions XRP as an indispensable infrastructure for liquidity and cross-border settlements.
The crypto expert also quoted a previous comment from Ripple CTO Joel Katzwho reportedly argued that the price of XRP would need to be well above $200 to achieve its intended goal. According to Katz, this target price is necessary for the token to become a economic neutral bridge liquidity and settlement around the world.
On this basis, Cunningham reached this conclusion clarity of regulations it could come first with XRP, followed by adoption, and that price would then adjust. The analyst stressed the importance of remaining patient, noting that the future of the token is inevitable once its functional purpose is fully recognized and integrated into global financial systems.
Price derived from global liquidity and settlements
In his post, Cunningham referred to an image illustrating the potential flow, liquidity and price relationships of XRP. The data highlighted the price levels that the XRP price could reach if it were driven by global liquidity and settlement.
As per the image, if XRP captures only 15% of annual SWIFT flowthis would mean $22.5 trillion in annual liquidity processed through cryptocurrency. With an XRP settlement rate of 25% and tight liquidity corridors, the annual flow settled in XRP would total $5.6 trillion. It is worth noting that the liquidity required to handle these flows depends on its velocity, which varies from 1:6 to 1:12 per year.
Based on an annual flow of $5.6 trillion and a buffer of 2 to 5 times, Cunningham estimates that XRP’s required liquidity will be between $280 billion and $700 billion. This calculation reflects the treasury scale of XRP necessary to effectively absorb and settle global flows.
The pricing scenarios in the image show a wide range, depending on billing and establishing a treasury reserve. The base case assumes an XRP price range of $2.50 to $7.50, while full ripple effects could push the token to $10 to $200. If XRP were to function as main reserve currencythe photo suggests its price could reach $50 to $100 or more.
Featured image from Peakpx, chart from Tradingview.com