XRP 100 USD? Reddit Users Say Market Capitalization "Doesn't Matter" for XRP Price

The XRP community is heating up as a Reddit post titled “The Market Cap Myth Around XRP” challenges one of the oldest beliefs in cryptocurrency: XRP will never reach $100 simply because the market cap is too large. According to the author of the article, this way of thinking is outdated. They believe that: “Market capitalization is just price × circulating supply. It is a snapshot number at a point in time, not a cap limit. The crypto market does not care about market capitalization, but rather about liquidity – that is, actual supply and demand.” Argument Why XRP Can Reach 3 Digits The key point lies in the role of XRP as a bridge currency in global payments. If banks, payment companies, and even CBDCs ( national digital currencies ) use XRP to process trillions of USD in transactions, then the same amount of XRP will be circulated multiple times throughout the year. The circulation speed (velocity) can help process a huge transaction volume with a relatively small supply – and that makes the price level of $100 no longer far-fetched. In addition, high prices also help make payments more efficient. For example: If you need to handle $10 trillion at a price of $1/XRP → you need 10 trillion XRP. But at $100/XRP → you only need 100 billion XRP. This logic is convincing more and more investors that the price of XRP will rise along with the level of adoption. What Do Experts Say? Fintech analyst Armando Pantoja believes that doubting the value of XRP is similar to those who once doubted Microsoft in its early days: “People always say the market cap is too high. But does that matter? What matters is that this technology will be widely adopted regardless of what the market cap is.” Some other experts like Dom Kwok ( former Goldman Sachs) believe that XRP has a long-term path to exceed $4, $10, and move towards $100. Meanwhile, optimistic individuals like Pantoja even believe that $1,000/XRP is not impossible in the next decade if institutional capital continues to flow strongly. Legal and ETF Turning Point In August 2025, the SEC vs. Ripple lawsuit concluded with a historic ruling: XRP is not a security in the secondary market. This has reignited confidence and sparked a wave of interest from financial institutions. Immediately after that, many large asset management firms in the U.S. filed for spot XRP ETFs, opening up a multi-billion dollar opportunity for institutional capital to flow in. Meanwhile, RippleNet has expanded to over 90 markets, 55 currencies, and integrated automated liquidity features (AMM), making XRP one of the most practical tools for cross-border payments. The Debate is Changing The highlight of this debate is: the value of XRP is no longer limited by “charts and market capitalization.” Instead, everything revolves around the practical application and global payment infrastructure that XRP is building. With the supportive community, the target of $100 is no longer a “pipe dream”, but a long-term vision tied to the utility (utility) of this coin. Do you think XRP will reach $100 in the future? Or is that still just an unrealistic expectation?