XRP has spent much of 2026 below the targets often discussed in the community, but one XRP commentator says the projections for these price targets are being viewed through the wrong lens. The analyst claims that XRP should not be measured like a traditional stock, especially when it comes to an asset functions as designed and it becomes tied to institutional settlement, liquidity routing and high-quality financial transfers.
XRP Commentator Says Market Cap Logic Misses the Point
Most XRP Price Discussions are based on market capitalization comparisons and circulating supply figures, the same models used to analyze stocks. However, according to an XRP commentator account known as CharuSan, this is stagnant market cap logic applied to XRP because it fundamentally misunderstands it what the cryptocurrency was built for.
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XRP is meant to play as a liquidity and speed asset; therefore, the price of the cryptocurrency should not rise just because investors buy it on exchanges. Instead of, the projection is that The price of
Furthermore, CharuSan XRP pointed to the extent of global derivatives, equity markets, debt markets, DTCC volumes, FX settlements, banks, OTC markets and Nostro/Vostro accounts as areas where liquidity demand could come from if fully integrated with the XRP Ledger. Therefore, a market cap of $500 billion or $1 trillion would still be too small if XRP were expected to support these institutional trading volumes.
XRP must be at least $300
The analyst’s price target is that XRP will be mathematically forced to shoot up $300 to keep the wheels turning. Notably, the $300 prediction is tied to a specific condition of full integration of XRP into major financial transfer systems. Once institutional automated software and APIs start sending large transfer orders to liquidity pools, the market will no longer be driven primarily by small exchange buy and sell orders.
Based on that setup, the main issue would be the amount of XRP available at the exact time a transfer needs to be completed. When billions of dollars are moving per second, institutions won’t look for cheap XRP sitting in a normal order book. The systems would draw from the deepest available liquidity pool, and the unit price would have to rise if available supply cannot support the transfer volume.
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Interestingly enough, the last message part of a series from CharuSan XRP on how XRP could reach $300. In the previous part, he focused more directly on on-demand liquidity and the difference between circulating supply and actually available XRP. He gave the example of a $200 billion wire transfer.
If XRP cost $20, such a transfer would require 10 billion not just one bank, but thousands of banks and institutions at the same time. RippleNet currently has over 300 banking partners and approximately 40% are actively using On-Demand Liquidity.
Featured image created with Dall.E, chart from Tradingview.com