Reports spread across social channels this week after a prominent XRP commentator warned critics that they may be underestimating the token’s long-term role in finance.
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According to a post by user UnknowDLT on
The voice of the community becomes louder
Supporters of the XRP community have long argued that the market price is missing larger changes. Based on reports from prominent community accounts, followers say short-term trading noise masks structural movements that could drive demand for XRP over the years.
One commentator, X Finance Bull, suggested that Ripple’s escrow, which holds 34.4 billion XRP, will serve as locked liquidity for banking channels and institutional investors, rather than as a reserve supply for retail.
The world is not ready for what is about to happen to XRP. It was planned over a decade ago and will become the world’s most valuable asset. There will be a war over your XRP. People keep laughing at XRP.
They will end up crying for the rest of their lives and the ending will be tragic.
— {x} (@unknowDLT) December 15, 2025
Regulatory dynamics and institutional objectives
Ripple’s recent regulatory actions are at the center of the bull case. Reports have revealed that the company has received conditional approval from the Office of the Comptroller of the Currency to pursue a national trust bank charter and is seeking a master account with the Federal Reserve System.
Community analysts argue that these developments, if fully realized, could bring Ripple closer to mainstream financial plumbing and change the way the market views token supply and institutional demand.
$XRP If the owner 🚨🚨🚨 is thinking of selling $XRP Now think again!
Remember this? Brad Garlinghouse confirmed that the CLARITY Act will be enacted in early 2026.
That may not be possible. It’s a countdown.
And once it passes, Ripple will be forced to declare its fate… https://t.co/s1E2KnarnM pic.twitter.com/C4xAcKDltR
— X Finance Bull (@Xfinancebull) December 15, 2025
Some advocates have also pointed to the possibility of the American Transparency Act as a legislative milestone, with some suggesting a timeline for passage in the first half of 2026.
Tokenization and big numbers
Analyst and company forecasts are used to paint a broader picture of possibilities. Ripple suggests that the tokenization market could grow to $19 trillion by 2033.
Other commentators take this number and run a scenario. If some of that activity used the XRP Ledger, price predictions could be inflated. In one example, a bullish figure of $189 per XRP is cited in a high adoption case.
Some community voices say they expect mass tokenization momentum to increase between 2026 and 2027, which will favor high-throughput ledgers like XRP.
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numbers and predictions
Not everyone shares the same optimism. Several companies mentioned by community members have set much lower targets for XRP, with conservative models predicting the price to be below $30 by 2030.
Other professional models set XRP at $100 well into the next decade. Traders and investors must weigh three competing factors: legal clarity, technical ability, and whether escrow holdings are used for institutional flows rather than sold.
Featured image from Unsplash, chart from TradingView
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