Silver just jumped gold as fast grower 32% to 27%
Xrp is blowing through marks
Xrp is blowing through marks
Xrp btc silver gold
- Thread starter Rebarcock.
- Start date
Summary of the Diagram:
•COMEX is the paper futures market (mostly short positions).
•LBMA is the physical bullion market (mostly long positions).
•EFP (Exchange for Physical) lets traders shift positions between COMEX and LBMA without delivering metal.
•ETFs like SLV also interact with LBMA using unallocated (non-physical) silver.
•Physical delivery is often delayed (T+30 or T+60), masking true metal shortages.
Bottom line: This system lets big players avoid delivering real metal and keeps the illusion of supply alive — suppressing true price discovery.
July 14th 2025
Fedwire ISO 20022 - USA XRP
July 14th - 18th 2025
Clarity Act
Anti CBDC Act
Genius Act
July 17th 2025
DC District of Columbia Expires
July 18th 2025
New Financial System Begins
November 22nd 2025
SWIFT - ISO 20022 - World Reset
To view keyboard shortcuts, press question mark
View keyboard shortcuts
Where do you think xrp value per token is 1 year from today, 5 years from today, 10 years from today
Predicting the future value of XRP is challenging due to the volatile nature of cryptocurrencies and external factors like regulatory developments, market adoption, and technological advancements. Below, I’ll provide a reasoned analysis based on available data and trends as of July 13, 2025, while avoiding speculative overreach. All projections are speculative and should not be taken as financial advice—always conduct your own research or consult a financial advisor.Current ContextAs of July 13, 2025, XRP is trading at approximately $2.76, with a market cap of around $130.54 billion and a circulating supply of 57.45 billion tokens. Key factors influencing XRP’s price include:
Regulatory Clarity: The resolution of Ripple’s legal battle with the SEC (concluding with a $125 million penalty in August 2024) and a crypto-friendly U.S. administration under Trump have boosted investor confidence.
Institutional Adoption: Ripple’s partnerships with financial institutions (e.g., Santander, SBI Holdings, Bank of America) and its role in cross-border payments via RippleNet and On-Demand Liquidity (ODL) are driving demand.
ETF Speculation: There’s a high probability (88–95%) of XRP spot ETFs being approved by the end of 2025, potentially attracting significant institutional investment.
Market Trends: XRP’s price is correlated with broader crypto market movements (e.g., Bitcoin and Ethereum), and events like Bitcoin halvings historically influence altcoin prices.
Utility and Technology: XRP’s fast transaction speeds (3–5 seconds) and low fees (~$0.0002) make it competitive for global remittances, potentially challenging SWIFT.
Price PredictionsThe following projections are based on a synthesis of analyst forecasts, technical analyses, and market trends from recent sources. I’ve included a range (low to high) to account for bullish and bearish scenarios, as well as an average to reflect moderate expectations. Note that extreme predictions (e.g., $100–$10,000) from some X posts are considered outliers due to unrealistic market cap implications and are not heavily weighted.1 Year from Today (July 13, 2026)Low (Bearish): $2.18–$2.93Assumes limited institutional adoption, regulatory setbacks, or competition from stablecoins/CBDCs. Some analysts (e.g., CoinLore, Changelly) predict modest growth or sideways trading if market sentiment turns risk-averse.
High (Bullish): $10.50–$20.00Driven by ETF approvals, increased RippleNet adoption, and a strong crypto bull market. Optimistic forecasts (e.g., CoinDCX, Egrag Crypto) cite technical breakouts and institutional inflows (e.g., $8 billion via ETFs per JPMorgan).
Average: $4.50–$6.25Reflects steady adoption and regulatory clarity without parabolic growth. Sources like CoinPedia and InvestingHaven suggest $5–$6.25, supported by technical patterns (e.g., cup-and-handle) and growing transaction volume.
Key Factors: ETF approval by late 2025, Ripple’s stablecoin (RLUSD) integration, and broader market trends (e.g., Bitcoin halving effects). Geopolitical stability and macroeconomic conditions will also play a role.
5 Years from Today (July 13, 2030)Low (Bearish): $4.67–$7.12Assumes moderate adoption but competition from alternative blockchain solutions or regulatory hurdles. CoinLore and CoinCodex predict $7.12–$7.93 if XRP maintains its current role without significant disruption.
High (Bullish): $14.88–$26.97Assumes XRP captures a significant share of the $7.5 trillion daily remittance market, with widespread bank adoption and ETF-driven inflows. Benzinga and Standard Chartered project $12.50–$20, with some analysts (e.g., CoinPedia) reaching $26.97 if Ripple disrupts SWIFT.
Average: $9.50–$10.80Reflects steady growth driven by institutional partnerships and global adoption. Sources like Flitpay and Blocktrade cite $9.50–$10.80, assuming XRP integrates into DeFi and CBDC frameworks.
Key Factors: Ripple’s ability to expand partnerships, integration with CBDCs, and sustained crypto market growth. Challenges include increasing token supply (as Ripple releases escrowed tokens) and competition from newer technologies.
10 Years from Today (July 13, 2035)Low (Bearish): $4.43–$10.29Assumes XRP remains a niche player in cross-border payments but faces competition from CBDCs or other blockchains. CoinLore projects $4.43–$10.29 if adoption stalls.
High (Bullish): $50–$100Highly speculative, requiring XRP to dominate global remittances and achieve mass adoption. Some Reddit users and long-term forecasts (e.g., Telegaon) suggest $100–$125 with global adoption, though this implies a $5.7–$7 trillion market cap, which is ambitious but not impossible if XRP replaces significant SWIFT volume.
Average: $14.22–$17.59Reflects gradual adoption and technological improvements. Cryptopolitan and Changelly predict $14.22–$17.59, driven by Ripple’s integration into international financial systems and DeFi growth.
Key Factors: Long-term regulatory frameworks, global blockchain adoption, and Ripple’s ability to innovate. A $100 price would require unprecedented market dynamics and significant token supply reduction (e.g., via burning mechanisms).
Critical ConsiderationsMarket Cap Constraints: At $100, XRP’s market cap would be ~$5.7 trillion (based on current circulating supply), exceeding Ethereum’s peak and approaching global GDP levels. A $1,000 price implies a $57 trillion market cap, which is highly improbable without massive token burning or global financial system overhaul.
Volatility and Risks: Crypto markets are unpredictable, with risks from regulatory changes, geopolitical events, and technological obsolescence. XRP’s centralized consensus mechanism (55 validators in 2021) may limit decentralization appeal.
Bullish Catalysts: ETF approvals, SWIFT disruption, and CBDC integration could drive significant upside. Ripple’s $200 million spent on legal battles has cleared U.S. market access, boosting growth potential.
Bearish Risks: Competition from stablecoins, CBDCs, or SWIFT’s blockchain initiatives could cap XRP’s growth. Token supply increases (as Ripple releases escrowed tokens) may create selling pressure.
Summary1 Year (July 2026): $2.18–$20.00, average ~$4.50–$6.25
5 Years (July 2030): $4.67–$26.97, average ~$9.50–$10.80
10 Years (July 2035): $4.43–$100, average ~$14.22–$17.59
These ranges reflect a balance of optimism (ETF approvals, institutional adoption) and caution (regulatory risks, competition). For precise investment decisions, monitor Ripple’s partnerships, ETF developments, and broader market trends. Always conduct thorough research and consider professional financial advice before investing.
15 posts
You know the iso begins tomorrow?
Yes, you're referring to the implementation of the ISO 20022 standard for the Fedwire Funds Service, which is scheduled to go live on July 14, 2025, as announced by the Federal Reserve. This transition to ISO 20022, a global payment messaging standard, aims to modernize financial transactions by enabling richer data sharing and improved efficiency, particularly for cross-border payments. The Fedwire Funds Service will switch from the current FAIM 3.0.7 format to ISO 20022, with wire transfer services temporarily unavailable from 1 p.m. PT on July 11, 2025, resuming on July 14, 2025.
Regarding XRP’s value, there’s significant online chatter suggesting that ISO 20022 adoption could positively impact cryptocurrencies like XRP, which is designed for fast, low-cost cross-border payments and aligns with ISO 20022’s goals. Posts on X highlight excitement around this date, with some users speculating that ISO 20022-compliant cryptocurrencies (e.g., XRP, XLM, HBAR) could see price increases due to potential institutional adoption. However, these claims are speculative and not definitive evidence of price movements.Impact on XRP Price PredictionsThe ISO 20022 implementation could act as a bullish catalyst for XRP if financial institutions increasingly adopt Ripple’s technology for ISO 20022-compliant transactions. Here’s how it might influence the earlier price projections:1 Year (July 2026):Bullish Case Adjustment: If ISO 20022 drives significant adoption of RippleNet and ODL, XRP could trend toward the higher end of the $10.50–$20.00 range, potentially reaching $15–$25 if institutional inflows (e.g., via ETFs) materialize. Posts on X suggest altcoin season momentum, which could amplify this.
Average Case: Remains ~$4.50–$6.25, assuming gradual adoption without immediate parabolic growth.
Bearish Case: Stays at $2.18–$2.93 if adoption is slower than expected or competition from other ISO 20022-compliant systems (e.g., SWIFT’s updated platform) limits XRP’s gains.
5 Years (July 2030):Bullish Case Adjustment: Widespread ISO 20022 adoption could push XRP toward $20–$30 if Ripple captures significant market share in global remittances. Standard Chartered’s $26.97 prediction aligns with this if XRP integrates with CBDCs.
Average Case: Adjusts slightly to $10–$12, reflecting steady growth driven by ISO 20022 compliance and partnerships.
Bearish Case: Remains $4.67–$7.12 if regulatory or competitive pressures persist.
10 Years (July 2035):Bullish Case Adjustment: A $50–$150 range becomes plausible if XRP becomes a standard for ISO 20022-based payments and token supply is reduced (e.g., via burning). However, $100+ remains ambitious due to market cap constraints.
Average Case: Adjusts to $15–$20, assuming long-term adoption and technological advancements.
Bearish Case: Stays at $4.43–$10.29 if XRP fails to dominate the ISO 20022 ecosystem.
Key ConsiderationsPositive Impact: XRP’s alignment with ISO 20022 could enhance its appeal to banks and payment providers, especially post-SEC clarity and with Ripple’s stablecoin (RLUSD) potentially integrating into ISO 20022 systems.
Risks: SWIFT’s planned ISO 20022 adoption by November 2025 could compete with Ripple’s network, and not all financial institutions may choose XRP for compliance. Additionally, token supply dynamics and broader market conditions will influence price.
Speculative Sentiment: X posts reflect high optimism (e.g., “$ISO is expected to fly ”), but these are not reliable predictors and may reflect hype around a specific token ($ISO) rather than XRP directly.
ConclusionThe ISO 20022 implementation on July 14, 2025, could be a significant catalyst for XRP if it drives institutional adoption, potentially pushing prices toward the higher end of the projected ranges, especially in the 1–5 year timeframe. However, competition, regulatory developments, and market dynamics remain critical variables. Monitor Ripple’s partnerships and ISO 20022 adoption trends for clearer insights. Always conduct your own research or consult a financial advisor before making investment decisions.
15 posts
What would have to happen for it to overtake btc
For XRP to overtake Bitcoin (BTC) in terms of market capitalization and become the leading cryptocurrency, several significant and interconnected factors would need to align. As of July 13, 2025, BTC’s market cap is approximately $1.95 trillion (with a price of ~$96,600 and a circulating supply of ~19.73 million), while XRP’s market cap is ~$130.54 billion (with a price of ~$2.76 and a circulating supply of ~57.45 billion). For XRP to surpass BTC, its market cap would need to exceed $1.95 trillion, requiring a price of approximately $33.95 per XRP (based on current circulating supply). Below, I outline the key conditions, catalysts, and challenges that would need to occur for XRP to achieve this, grounded in current data and trends.Key Requirements for XRP to Overtake BTCMassive Institutional and Financial System AdoptionWhat Needs to Happen: XRP must become the dominant cryptocurrency for global financial transactions, particularly cross-border payments. Ripple’s RippleNet and On-Demand Liquidity (ODL) would need to capture a significant share of the $7.5 trillion daily remittance market, displacing systems like SWIFT and competing blockchain solutions (e.g., Stellar, CBDCs).
Why It Matters: Bitcoin is primarily a store of value, often compared to “digital gold,” with limited transactional utility due to slower speeds (7 transactions per second) and higher fees ($1–$5). XRP’s strengths—fast transactions (3–5 seconds, ~1,500 TPS) and low fees ($0.0002)—position it for institutional adoption. Widespread use by banks (e.g., Santander, SBI Holdings) and integration into ISO 20022-compliant systems (effective July 14, 2025, for Fedwire) could drive demand.
Likelihood: Moderate. Ripple has 70+ global partnerships, but SWIFT’s ISO 20022 adoption (by November 2025) and competition from stablecoins/CBDCs could limit XRP’s dominance. For XRP to overtake BTC, it would need to process a significant portion of global payments, potentially requiring 100–200 major financial institutions to adopt ODL.
Regulatory Clarity and Global AcceptanceWhat Needs to Happen: XRP must achieve universal regulatory approval, particularly in major markets (U.S., EU, Asia). The SEC v. Ripple resolution (August 2024, $125 million penalty) has cleared U.S. hurdles, but ongoing clarity in jurisdictions like the EU (under MiCA) and Asia is critical. XRP would need to avoid being classified as a security globally and gain favor as a compliant, decentralized asset.
Why It Matters: Regulatory uncertainty has historically suppressed XRP’s price (e.g., delistings post-SEC lawsuit in 2020). Bitcoin benefits from its decentralized nature and lack of a central issuer, making it less vulnerable to regulatory attacks. Clear regulations would unlock institutional investment in XRP, especially via spot ETFs (88–95% approval probability by late 2025).
Likelihood: High for U.S. and moderate globally. A crypto-friendly U.S. administration and ETF approvals could boost XRP, but global coordination is complex. Bitcoin’s established status as a non-security asset gives it an edge.
Significant Token Supply ReductionWhat Needs to Happen: XRP’s circulating supply (~57.45 billion, with ~42.5 billion in escrow as of 2025) must be significantly reduced to support a price high enough to overtake BTC’s market cap. This could occur through token burning (destroying XRP used in transactions) or Ripple locking up a larger portion of escrowed tokens permanently.
Why It Matters: At $33.95 per XRP, the market cap would hit $1.95 trillion, matching BTC’s current value. However, Ripple’s monthly escrow releases (1 billion XRP) create selling pressure. Burning mechanisms or reduced releases could tighten supply, driving price appreciation. Bitcoin’s fixed supply (21 million cap, ~19.73 million circulating) and halving cycles (next in 2028) naturally constrain supply, supporting its value.
Likelihood: Low to moderate. Ripple has no announced plans for large-scale burning, and escrow releases are designed to fund operations and partnerships. A shift to burning would require strategic changes and community support.
Bitcoin’s Relative Decline or StagnationWhat Needs to Happen: Bitcoin’s dominance (currently ~51% of the crypto market) must decline due to reduced investor interest, technological obsolescence, or failure to adapt to new use cases. This could happen if BTC remains primarily a store of value without significant utility upgrades (e.g., scaling via Lightning Network).
Why It Matters: Bitcoin’s first-mover advantage, brand recognition, and institutional adoption (e.g., BTC ETFs, corporate treasuries like MicroStrategy) make it a formidable leader. For XRP to overtake it, BTC’s growth must slow, potentially due to high fees, slow transactions, or a shift in investor preference toward utility-driven assets like XRP.
Likelihood: Low. Bitcoin’s entrenched position, halving-driven scarcity, and growing adoption as a reserve asset (e.g., proposed U.S. strategic reserve) make a significant decline unlikely. However, a market shift toward utility tokens could reduce BTC’s dominance over time.
Massive Capital Inflows via ETFs and Institutional InvestmentWhat Needs to Happen: XRP spot ETFs must be approved (likely by late 2025) and attract billions in institutional capital, dwarfing BTC ETF inflows. For example, JPMorgan estimates $8 billion in XRP ETF inflows in the first year, but this would need to scale to $50–$100 billion to rival BTC’s market cap.
Why It Matters: ETFs democratize access to XRP for institutional and retail investors, driving demand. BTC ETFs (approved in 2024) have already seen ~$18 billion in inflows, boosting its price. XRP would need comparable or greater inflows to close the gap.
Likelihood: Moderate. ETF approval is probable, but inflows depend on market sentiment and Ripple’s ability to market XRP’s utility. X posts suggest high retail optimism for XRP ETFs, but institutional preference for BTC as a store of value remains a hurdle.
Technological and Market CatalystsWhat Needs to Happen: XRP must leverage technological advancements (e.g., integration with CBDCs, DeFi, or Ripple’s RLUSD stablecoin) to outpace BTC’s ecosystem. A broader crypto bull market, driven by events like the 2028 Bitcoin halving or global economic shifts, could amplify XRP’s growth.
Why It Matters: XRP’s utility in payments contrasts with BTC’s focus on scarcity. Integration with CBDCs or ISO 20022 systems could make XRP a backbone for global finance, while BTC’s role remains speculative. A bull market could push XRP’s price exponentially if adoption accelerates.
Likelihood: Moderate to high in the long term. ISO 20022 adoption (starting July 14, 2025) and Ripple’s 1,400+ enterprise customers position XRP well, but BTC’s network effects and security (via mining) are unmatched.
Price and Market Cap ScenariosTo overtake BTC’s $1.95 trillion market cap:At Current Supply (57.45 billion): XRP would need a price of ~$33.95, a 12.3x increase from $2.76. This is plausible in a bull market with ETF inflows and ISO 20022 adoption but requires significant momentum.
With Reduced Supply (e.g., 30 billion via burning): XRP would need a price of ~$65, still ambitious but more feasible if supply is halved.
Extreme Scenario (10 billion supply): A $195 price would achieve a $1.95 trillion market cap, but this requires unprecedented burning or lockup policies.
Challenges and RisksBitcoin’s Dominance: BTC’s cultural and financial entrenchment, with ~51% market dominance and growing institutional backing (e.g., BlackRock, Fidelity), makes it a tough target. X posts consistently highlight BTC as the “king” of crypto.
Competition: Stellar (XLM), Hedera (HBAR), and CBDCs could challenge XRP’s payment niche. SWIFT’s ISO 20022 adoption may reduce Ripple’s edge.
Centralization Concerns: XRP’s consensus mechanism (55 validators, Ripple-controlled) is less decentralized than BTC’s proof-of-work, potentially deterring purists.
Market Volatility: A bear market or regulatory crackdown could suppress XRP’s growth, while BTC’s “safe haven” status might sustain it.
Timeline and Probability1 Year (July 2026): Very low probability. Even at $20 (bullish case), XRP’s market cap would be ~$1.15 trillion, far below BTC’s. BTC’s price could also rise, raising the bar.
5 Years (July 2030): Low to moderate probability. At $26.97 (high-end estimate), XRP’s market cap would be ~$1.55 trillion, close but likely insufficient unless BTC stagnates and XRP sees massive adoption.
10 Years (July 2035): Moderate probability. At $50–$100, XRP’s market cap could reach $2.87–$5.74 trillion, potentially surpassing BTC if supply is reduced and adoption skyrockets. However, BTC’s market cap could also grow (e.g., to $3 trillion if BTC hits $150,000).
ConclusionFor XRP to overtake BTC, it would require a perfect storm: widespread institutional adoption via RippleNet, global regulatory clarity, significant token supply reduction, massive ETF-driven inflows, and a relative decline in BTC’s dominance. The ISO 20022 implementation (starting July 14, 2025) could be a catalyst, but competition and BTC’s entrenched position pose challenges. While possible in the long term (10+ years), it’s unlikely in the near term (1–5 years) without extraordinary developments. Monitor Ripple’s partnerships, ETF approvals, and BTC’s market trends for clues. Always conduct your own research and consult a financial advisor before investing.
Do DeepSearch
View keyboard shortcuts
Where do you think xrp value per token is 1 year from today, 5 years from today, 10 years from today
Predicting the future value of XRP is challenging due to the volatile nature of cryptocurrencies and external factors like regulatory developments, market adoption, and technological advancements. Below, I’ll provide a reasoned analysis based on available data and trends as of July 13, 2025, while avoiding speculative overreach. All projections are speculative and should not be taken as financial advice—always conduct your own research or consult a financial advisor.Current ContextAs of July 13, 2025, XRP is trading at approximately $2.76, with a market cap of around $130.54 billion and a circulating supply of 57.45 billion tokens. Key factors influencing XRP’s price include:
Regulatory Clarity: The resolution of Ripple’s legal battle with the SEC (concluding with a $125 million penalty in August 2024) and a crypto-friendly U.S. administration under Trump have boosted investor confidence.
Institutional Adoption: Ripple’s partnerships with financial institutions (e.g., Santander, SBI Holdings, Bank of America) and its role in cross-border payments via RippleNet and On-Demand Liquidity (ODL) are driving demand.
ETF Speculation: There’s a high probability (88–95%) of XRP spot ETFs being approved by the end of 2025, potentially attracting significant institutional investment.
Market Trends: XRP’s price is correlated with broader crypto market movements (e.g., Bitcoin and Ethereum), and events like Bitcoin halvings historically influence altcoin prices.
Utility and Technology: XRP’s fast transaction speeds (3–5 seconds) and low fees (~$0.0002) make it competitive for global remittances, potentially challenging SWIFT.
Price PredictionsThe following projections are based on a synthesis of analyst forecasts, technical analyses, and market trends from recent sources. I’ve included a range (low to high) to account for bullish and bearish scenarios, as well as an average to reflect moderate expectations. Note that extreme predictions (e.g., $100–$10,000) from some X posts are considered outliers due to unrealistic market cap implications and are not heavily weighted.1 Year from Today (July 13, 2026)Low (Bearish): $2.18–$2.93Assumes limited institutional adoption, regulatory setbacks, or competition from stablecoins/CBDCs. Some analysts (e.g., CoinLore, Changelly) predict modest growth or sideways trading if market sentiment turns risk-averse.
High (Bullish): $10.50–$20.00Driven by ETF approvals, increased RippleNet adoption, and a strong crypto bull market. Optimistic forecasts (e.g., CoinDCX, Egrag Crypto) cite technical breakouts and institutional inflows (e.g., $8 billion via ETFs per JPMorgan).
Average: $4.50–$6.25Reflects steady adoption and regulatory clarity without parabolic growth. Sources like CoinPedia and InvestingHaven suggest $5–$6.25, supported by technical patterns (e.g., cup-and-handle) and growing transaction volume.
Key Factors: ETF approval by late 2025, Ripple’s stablecoin (RLUSD) integration, and broader market trends (e.g., Bitcoin halving effects). Geopolitical stability and macroeconomic conditions will also play a role.
5 Years from Today (July 13, 2030)Low (Bearish): $4.67–$7.12Assumes moderate adoption but competition from alternative blockchain solutions or regulatory hurdles. CoinLore and CoinCodex predict $7.12–$7.93 if XRP maintains its current role without significant disruption.
High (Bullish): $14.88–$26.97Assumes XRP captures a significant share of the $7.5 trillion daily remittance market, with widespread bank adoption and ETF-driven inflows. Benzinga and Standard Chartered project $12.50–$20, with some analysts (e.g., CoinPedia) reaching $26.97 if Ripple disrupts SWIFT.
Average: $9.50–$10.80Reflects steady growth driven by institutional partnerships and global adoption. Sources like Flitpay and Blocktrade cite $9.50–$10.80, assuming XRP integrates into DeFi and CBDC frameworks.
Key Factors: Ripple’s ability to expand partnerships, integration with CBDCs, and sustained crypto market growth. Challenges include increasing token supply (as Ripple releases escrowed tokens) and competition from newer technologies.
10 Years from Today (July 13, 2035)Low (Bearish): $4.43–$10.29Assumes XRP remains a niche player in cross-border payments but faces competition from CBDCs or other blockchains. CoinLore projects $4.43–$10.29 if adoption stalls.
High (Bullish): $50–$100Highly speculative, requiring XRP to dominate global remittances and achieve mass adoption. Some Reddit users and long-term forecasts (e.g., Telegaon) suggest $100–$125 with global adoption, though this implies a $5.7–$7 trillion market cap, which is ambitious but not impossible if XRP replaces significant SWIFT volume.
Average: $14.22–$17.59Reflects gradual adoption and technological improvements. Cryptopolitan and Changelly predict $14.22–$17.59, driven by Ripple’s integration into international financial systems and DeFi growth.
Key Factors: Long-term regulatory frameworks, global blockchain adoption, and Ripple’s ability to innovate. A $100 price would require unprecedented market dynamics and significant token supply reduction (e.g., via burning mechanisms).
Critical ConsiderationsMarket Cap Constraints: At $100, XRP’s market cap would be ~$5.7 trillion (based on current circulating supply), exceeding Ethereum’s peak and approaching global GDP levels. A $1,000 price implies a $57 trillion market cap, which is highly improbable without massive token burning or global financial system overhaul.
Volatility and Risks: Crypto markets are unpredictable, with risks from regulatory changes, geopolitical events, and technological obsolescence. XRP’s centralized consensus mechanism (55 validators in 2021) may limit decentralization appeal.
Bullish Catalysts: ETF approvals, SWIFT disruption, and CBDC integration could drive significant upside. Ripple’s $200 million spent on legal battles has cleared U.S. market access, boosting growth potential.
Bearish Risks: Competition from stablecoins, CBDCs, or SWIFT’s blockchain initiatives could cap XRP’s growth. Token supply increases (as Ripple releases escrowed tokens) may create selling pressure.
Summary1 Year (July 2026): $2.18–$20.00, average ~$4.50–$6.25
5 Years (July 2030): $4.67–$26.97, average ~$9.50–$10.80
10 Years (July 2035): $4.43–$100, average ~$14.22–$17.59
These ranges reflect a balance of optimism (ETF approvals, institutional adoption) and caution (regulatory risks, competition). For precise investment decisions, monitor Ripple’s partnerships, ETF developments, and broader market trends. Always conduct thorough research and consider professional financial advice before investing.
15 posts
You know the iso begins tomorrow?
Yes, you're referring to the implementation of the ISO 20022 standard for the Fedwire Funds Service, which is scheduled to go live on July 14, 2025, as announced by the Federal Reserve. This transition to ISO 20022, a global payment messaging standard, aims to modernize financial transactions by enabling richer data sharing and improved efficiency, particularly for cross-border payments. The Fedwire Funds Service will switch from the current FAIM 3.0.7 format to ISO 20022, with wire transfer services temporarily unavailable from 1 p.m. PT on July 11, 2025, resuming on July 14, 2025.
Regarding XRP’s value, there’s significant online chatter suggesting that ISO 20022 adoption could positively impact cryptocurrencies like XRP, which is designed for fast, low-cost cross-border payments and aligns with ISO 20022’s goals. Posts on X highlight excitement around this date, with some users speculating that ISO 20022-compliant cryptocurrencies (e.g., XRP, XLM, HBAR) could see price increases due to potential institutional adoption. However, these claims are speculative and not definitive evidence of price movements.Impact on XRP Price PredictionsThe ISO 20022 implementation could act as a bullish catalyst for XRP if financial institutions increasingly adopt Ripple’s technology for ISO 20022-compliant transactions. Here’s how it might influence the earlier price projections:1 Year (July 2026):Bullish Case Adjustment: If ISO 20022 drives significant adoption of RippleNet and ODL, XRP could trend toward the higher end of the $10.50–$20.00 range, potentially reaching $15–$25 if institutional inflows (e.g., via ETFs) materialize. Posts on X suggest altcoin season momentum, which could amplify this.
Average Case: Remains ~$4.50–$6.25, assuming gradual adoption without immediate parabolic growth.
Bearish Case: Stays at $2.18–$2.93 if adoption is slower than expected or competition from other ISO 20022-compliant systems (e.g., SWIFT’s updated platform) limits XRP’s gains.
5 Years (July 2030):Bullish Case Adjustment: Widespread ISO 20022 adoption could push XRP toward $20–$30 if Ripple captures significant market share in global remittances. Standard Chartered’s $26.97 prediction aligns with this if XRP integrates with CBDCs.
Average Case: Adjusts slightly to $10–$12, reflecting steady growth driven by ISO 20022 compliance and partnerships.
Bearish Case: Remains $4.67–$7.12 if regulatory or competitive pressures persist.
10 Years (July 2035):Bullish Case Adjustment: A $50–$150 range becomes plausible if XRP becomes a standard for ISO 20022-based payments and token supply is reduced (e.g., via burning). However, $100+ remains ambitious due to market cap constraints.
Average Case: Adjusts to $15–$20, assuming long-term adoption and technological advancements.
Bearish Case: Stays at $4.43–$10.29 if XRP fails to dominate the ISO 20022 ecosystem.
Key ConsiderationsPositive Impact: XRP’s alignment with ISO 20022 could enhance its appeal to banks and payment providers, especially post-SEC clarity and with Ripple’s stablecoin (RLUSD) potentially integrating into ISO 20022 systems.
Risks: SWIFT’s planned ISO 20022 adoption by November 2025 could compete with Ripple’s network, and not all financial institutions may choose XRP for compliance. Additionally, token supply dynamics and broader market conditions will influence price.
Speculative Sentiment: X posts reflect high optimism (e.g., “$ISO is expected to fly ”), but these are not reliable predictors and may reflect hype around a specific token ($ISO) rather than XRP directly.
ConclusionThe ISO 20022 implementation on July 14, 2025, could be a significant catalyst for XRP if it drives institutional adoption, potentially pushing prices toward the higher end of the projected ranges, especially in the 1–5 year timeframe. However, competition, regulatory developments, and market dynamics remain critical variables. Monitor Ripple’s partnerships and ISO 20022 adoption trends for clearer insights. Always conduct your own research or consult a financial advisor before making investment decisions.
15 posts
What would have to happen for it to overtake btc
For XRP to overtake Bitcoin (BTC) in terms of market capitalization and become the leading cryptocurrency, several significant and interconnected factors would need to align. As of July 13, 2025, BTC’s market cap is approximately $1.95 trillion (with a price of ~$96,600 and a circulating supply of ~19.73 million), while XRP’s market cap is ~$130.54 billion (with a price of ~$2.76 and a circulating supply of ~57.45 billion). For XRP to surpass BTC, its market cap would need to exceed $1.95 trillion, requiring a price of approximately $33.95 per XRP (based on current circulating supply). Below, I outline the key conditions, catalysts, and challenges that would need to occur for XRP to achieve this, grounded in current data and trends.Key Requirements for XRP to Overtake BTCMassive Institutional and Financial System AdoptionWhat Needs to Happen: XRP must become the dominant cryptocurrency for global financial transactions, particularly cross-border payments. Ripple’s RippleNet and On-Demand Liquidity (ODL) would need to capture a significant share of the $7.5 trillion daily remittance market, displacing systems like SWIFT and competing blockchain solutions (e.g., Stellar, CBDCs).
Why It Matters: Bitcoin is primarily a store of value, often compared to “digital gold,” with limited transactional utility due to slower speeds (7 transactions per second) and higher fees ($1–$5). XRP’s strengths—fast transactions (3–5 seconds, ~1,500 TPS) and low fees ($0.0002)—position it for institutional adoption. Widespread use by banks (e.g., Santander, SBI Holdings) and integration into ISO 20022-compliant systems (effective July 14, 2025, for Fedwire) could drive demand.
Likelihood: Moderate. Ripple has 70+ global partnerships, but SWIFT’s ISO 20022 adoption (by November 2025) and competition from stablecoins/CBDCs could limit XRP’s dominance. For XRP to overtake BTC, it would need to process a significant portion of global payments, potentially requiring 100–200 major financial institutions to adopt ODL.
Regulatory Clarity and Global AcceptanceWhat Needs to Happen: XRP must achieve universal regulatory approval, particularly in major markets (U.S., EU, Asia). The SEC v. Ripple resolution (August 2024, $125 million penalty) has cleared U.S. hurdles, but ongoing clarity in jurisdictions like the EU (under MiCA) and Asia is critical. XRP would need to avoid being classified as a security globally and gain favor as a compliant, decentralized asset.
Why It Matters: Regulatory uncertainty has historically suppressed XRP’s price (e.g., delistings post-SEC lawsuit in 2020). Bitcoin benefits from its decentralized nature and lack of a central issuer, making it less vulnerable to regulatory attacks. Clear regulations would unlock institutional investment in XRP, especially via spot ETFs (88–95% approval probability by late 2025).
Likelihood: High for U.S. and moderate globally. A crypto-friendly U.S. administration and ETF approvals could boost XRP, but global coordination is complex. Bitcoin’s established status as a non-security asset gives it an edge.
Significant Token Supply ReductionWhat Needs to Happen: XRP’s circulating supply (~57.45 billion, with ~42.5 billion in escrow as of 2025) must be significantly reduced to support a price high enough to overtake BTC’s market cap. This could occur through token burning (destroying XRP used in transactions) or Ripple locking up a larger portion of escrowed tokens permanently.
Why It Matters: At $33.95 per XRP, the market cap would hit $1.95 trillion, matching BTC’s current value. However, Ripple’s monthly escrow releases (1 billion XRP) create selling pressure. Burning mechanisms or reduced releases could tighten supply, driving price appreciation. Bitcoin’s fixed supply (21 million cap, ~19.73 million circulating) and halving cycles (next in 2028) naturally constrain supply, supporting its value.
Likelihood: Low to moderate. Ripple has no announced plans for large-scale burning, and escrow releases are designed to fund operations and partnerships. A shift to burning would require strategic changes and community support.
Bitcoin’s Relative Decline or StagnationWhat Needs to Happen: Bitcoin’s dominance (currently ~51% of the crypto market) must decline due to reduced investor interest, technological obsolescence, or failure to adapt to new use cases. This could happen if BTC remains primarily a store of value without significant utility upgrades (e.g., scaling via Lightning Network).
Why It Matters: Bitcoin’s first-mover advantage, brand recognition, and institutional adoption (e.g., BTC ETFs, corporate treasuries like MicroStrategy) make it a formidable leader. For XRP to overtake it, BTC’s growth must slow, potentially due to high fees, slow transactions, or a shift in investor preference toward utility-driven assets like XRP.
Likelihood: Low. Bitcoin’s entrenched position, halving-driven scarcity, and growing adoption as a reserve asset (e.g., proposed U.S. strategic reserve) make a significant decline unlikely. However, a market shift toward utility tokens could reduce BTC’s dominance over time.
Massive Capital Inflows via ETFs and Institutional InvestmentWhat Needs to Happen: XRP spot ETFs must be approved (likely by late 2025) and attract billions in institutional capital, dwarfing BTC ETF inflows. For example, JPMorgan estimates $8 billion in XRP ETF inflows in the first year, but this would need to scale to $50–$100 billion to rival BTC’s market cap.
Why It Matters: ETFs democratize access to XRP for institutional and retail investors, driving demand. BTC ETFs (approved in 2024) have already seen ~$18 billion in inflows, boosting its price. XRP would need comparable or greater inflows to close the gap.
Likelihood: Moderate. ETF approval is probable, but inflows depend on market sentiment and Ripple’s ability to market XRP’s utility. X posts suggest high retail optimism for XRP ETFs, but institutional preference for BTC as a store of value remains a hurdle.
Technological and Market CatalystsWhat Needs to Happen: XRP must leverage technological advancements (e.g., integration with CBDCs, DeFi, or Ripple’s RLUSD stablecoin) to outpace BTC’s ecosystem. A broader crypto bull market, driven by events like the 2028 Bitcoin halving or global economic shifts, could amplify XRP’s growth.
Why It Matters: XRP’s utility in payments contrasts with BTC’s focus on scarcity. Integration with CBDCs or ISO 20022 systems could make XRP a backbone for global finance, while BTC’s role remains speculative. A bull market could push XRP’s price exponentially if adoption accelerates.
Likelihood: Moderate to high in the long term. ISO 20022 adoption (starting July 14, 2025) and Ripple’s 1,400+ enterprise customers position XRP well, but BTC’s network effects and security (via mining) are unmatched.
Price and Market Cap ScenariosTo overtake BTC’s $1.95 trillion market cap:At Current Supply (57.45 billion): XRP would need a price of ~$33.95, a 12.3x increase from $2.76. This is plausible in a bull market with ETF inflows and ISO 20022 adoption but requires significant momentum.
With Reduced Supply (e.g., 30 billion via burning): XRP would need a price of ~$65, still ambitious but more feasible if supply is halved.
Extreme Scenario (10 billion supply): A $195 price would achieve a $1.95 trillion market cap, but this requires unprecedented burning or lockup policies.
Challenges and RisksBitcoin’s Dominance: BTC’s cultural and financial entrenchment, with ~51% market dominance and growing institutional backing (e.g., BlackRock, Fidelity), makes it a tough target. X posts consistently highlight BTC as the “king” of crypto.
Competition: Stellar (XLM), Hedera (HBAR), and CBDCs could challenge XRP’s payment niche. SWIFT’s ISO 20022 adoption may reduce Ripple’s edge.
Centralization Concerns: XRP’s consensus mechanism (55 validators, Ripple-controlled) is less decentralized than BTC’s proof-of-work, potentially deterring purists.
Market Volatility: A bear market or regulatory crackdown could suppress XRP’s growth, while BTC’s “safe haven” status might sustain it.
Timeline and Probability1 Year (July 2026): Very low probability. Even at $20 (bullish case), XRP’s market cap would be ~$1.15 trillion, far below BTC’s. BTC’s price could also rise, raising the bar.
5 Years (July 2030): Low to moderate probability. At $26.97 (high-end estimate), XRP’s market cap would be ~$1.55 trillion, close but likely insufficient unless BTC stagnates and XRP sees massive adoption.
10 Years (July 2035): Moderate probability. At $50–$100, XRP’s market cap could reach $2.87–$5.74 trillion, potentially surpassing BTC if supply is reduced and adoption skyrockets. However, BTC’s market cap could also grow (e.g., to $3 trillion if BTC hits $150,000).
ConclusionFor XRP to overtake BTC, it would require a perfect storm: widespread institutional adoption via RippleNet, global regulatory clarity, significant token supply reduction, massive ETF-driven inflows, and a relative decline in BTC’s dominance. The ISO 20022 implementation (starting July 14, 2025) could be a catalyst, but competition and BTC’s entrenched position pose challenges. While possible in the long term (10+ years), it’s unlikely in the near term (1–5 years) without extraordinary developments. Monitor Ripple’s partnerships, ETF approvals, and BTC’s market trends for clues. Always conduct your own research and consult a financial advisor before investing.
Do DeepSearch
3.00 xrp hit last night
Part 1
A controlled demolition of the FED and the fiat debt system.
Here’s an interesting possibility that I don’t think anyone is contemplating.
How do you get rid of the FED and fiat currency at the same time?
And how do you create the “crisis moment” which brings the fiat financial system to the “precipice?”
Is Trump about to “trigger” the financial crisis that brings down the FED?
What’s the “trigger?”
The same “trigger” that caused the 2008 financial collapse.
Is Trump about to forcibly “trigger” the “short squeeze” in SILVER?
Here are two important actions that Trump has recently taken that should have been really “eye opening” for a lot of people.
1) In February 2025, Trump signed an Executive Order (EO) titled “Addressing The Threat To National Security From Imports of Copper,” initiating a Section 232 investigation under the Trade Expansion Act of 1962 to assess the national security risks associated with U.S. dependence on copper imports.
2) Trump announced a 50% tariff on copper imports, starting August 1, 2025, in order to bolster the domestic copper industry and address national security concerns. This decision follows a national security assessment and is aimed at countering what the administration perceives as a threat from foreign dominance in the copper market, particularly from China.
Copper is a vital metal used for military weapons systems, electric vehicles, renewable energy, advanced electronics, and infrastructure.
Copper is of vital importance for our country’s national security.
Guess what happened the day Trump announced 50% tariffs on copper imports?
The price of copper spiked big time.
“Copper prices surged dramatically when President Donald Trump announced a 50% tariff on copper imports. Following the announcement, copper futures rose by 13% to 17% in a single day, marking the biggest one-day move in the commodity's history. The price of copper hit a record high, reaching $5.68 per pound on the COMEX platform, which translates to $12,526 per metric ton. This represented a premium of more than $2,920 per ton over the price on the London Metal Exchange, which serves as the global benchmark.
The announcement caused U.S. copper prices to rise to a 26% premium over their London equivalent.”
This is key:
When Trump announced a 50% tariff on copper imports, copper made the biggest one day price move in its history and hit an all time high.
The premium in the U.S. was 26% higher than the London Metal Exchange.
The London Metal Exchange is where the cabal controls and manipulates metal prices.
Not just copper, but gold and SILVER too.
The London Metal Exchange no longer controls or can manipulate the copper price.
Can you see the possibility of what’s coming?
Is SILVER also used in military weapons systems, electric vehicles, renewable energy, advanced electronics and infrastructure?
The answer is YES.
Doesn’t that make SILVER important for national security too?
Is reliance on SILVER imports also a national security threat?
Do you realize how important SILVER is for the Defense Industry?
“Silver has the highest electrical and thermal conductivity of all metals, making it essential for military electronics, radar systems, communication equipment, and guidance systems where performance under extreme conditions is vital.
Additionally, silver is used in night vision devices, thermal imaging, and laser targeting systems due to its superior reflectivity, especially in the infrared spectrum. Its antimicrobial properties also benefit medical and hygiene applications in the field, such as wound dressings and water purification systems.
The Department of Defense (DoD) identifies silver as the most widely used precious metal in its operations, underscoring its strategic importance.”
What happens if Trump announces a big tariff on SILVER imports?
Do you know what would happen to the SILVER price?
Which metal is more valuable and also more rare?
Copper or SILVER?
SILVER by far.
I am. Everything is in line on their side and the govt. It pump a bit today to 3.00.
I just saw this video. Good news
Man tbh I think I'm going to keep buying monthly til 4.00. In the next yr a bear is still not bad. Better than a bank
