XRP is back in focus as prominent community voices argue the token is trading well below its perceived fair value. With the price hovering near $1.40, several analysts on X contend that XRP’s utility in cross-border payments and growing institutional interest are not yet reflected in market pricing, even as the asset remains below its cycle peak.
Developer claims XRP’s “true value” is far higher
An XRP Ledger (XRPL) developer known as Bird shared a bullish valuation thesis on Wednesday, March 25, asserting that “XRP is a $100+ token trading at $1.40.” The view hinges on the token’s role as the native asset of the XRP Ledger, which is designed to facilitate fast, low-cost value transfers and has been positioned by ecosystem stakeholders for cross-border settlement use cases.
Supporters argue that if financial institutions and payment providers expand usage of XRP for liquidity and settlement, demand could outpace current market assumptions. Bird framed the gap between current pricing and his target as an opportunity for long-term participants, signaling confidence that utility-driven adoption could eventually re-rate the asset.
Catalysts cited: institutional positioning and Ripple’s expansion
XRP advocate Luke Suthers also advanced a bullish stance, contending that the token’s price is “suppressed” relative to developments behind the scenes. He claims banks and institutions are accumulating, while Ripple—the company building payment solutions that can leverage XRP—continues to expand its rails and pursue acquisitions to strengthen its ecosystem. Suthers argues these factors could act as tailwinds if liquidity conditions in crypto improve.
His comments stop short of a specific price target but frame the current market as a period of positioning ahead of a potential shift in liquidity and adoption.
Market context and considerations
- XRP is the native token of the XRP Ledger, a decentralized blockchain focused on payments and settlement. It has been promoted for cross-border transactions by ecosystem participants, including Ripple’s enterprise payments products.
- The token reached an all-time high near $3.84 in January 2018 and has not reclaimed that level in subsequent market cycles, despite periodic rallies.
- Price performance for XRP, like other crypto assets, is influenced by broader market conditions, liquidity, and the regulatory environment.
The views cited above reflect the opinions of the individual commentators. XRP’s price remains volatile, and market outcomes depend on adoption, macro conditions, and regulatory developments.