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A well-known XRP educator, X Finance Bull, predicts that XRP could reach $100 within two years as global finance moves fully on-chain.
According to him, the coming wave of tokenization will not rely on “hype chains” but on U.S.-built, enterprise-grade technology. Specifically, he highlighted the XRP Ledger (XRPL) in this context.
He argued that XRPL’s compliance track record, reliability, and proven enterprise readiness position it as the natural base layer for trillions of dollars in tokenized financial instruments.
“This will literally pump XRP within two years,” he wrote, adding that “trillions are coming on-chain.”
‘All U.S. Markets Will Be On-Chain,’ Says SEC Chair
The educator’s prediction followed a promising statement from SEC Chair Paul Atkins, who declared that all U.S. markets will be on-chain within a few years. Atkins explained that tokenization offers massive advantages, including full transparency of ownership and instant settlement (T+0) instead of T+1.
Moreover, he highlighted reduced risk through on-chain Delivery vs. Payment (DVP), a more efficient market structure, and improved regulatory clarity.
XRP commentators reacting to the SEC chair’s statement believe tokenization is no longer a question of “if” but “when.”
Meanwhile, Atkins criticized the SEC’s previous stance of standing “athwart the marketplace,” which slowed innovation. But he said that era is over: “It’s a new day now. We want to embrace this new technology.”
XRP Set for the Tokenized Era
XRPL’s enterprise-grade design, combined with the SEC’s new pro-innovation approach, has sparked renewed discussions in XRP communities about the market’s next phase.
In September, researcher SMQKE highlighted reports suggesting XRPL could emerge as a key player in the growing tokenization market, which the World Economic Forum (WEF) estimates could reach $867 trillion.
While the total value of tokenized real-world assets currently stands at $27.85 billion, XRPL holds $308.7 million (1.94%), ranking tenth among blockchains. Despite its modest share, ongoing institutional interest indicates potential for growth.
Many see tokenization as XRP’s long-awaited use case that could transform global settlement and liquidity. With trillions in traditional assets potentially moving on-chain, XRPL could become a key settlement layer, giving XRP the liquidity boost needed to reach new heights.
Can XRP Reach $100 in Two Years?
According to X Finance Bull, this shift could see XRP’s price soar to the triple-digit level and beyond. Meanwhile, as of today, XRP’s price is $2.01, down 3.6% over the past day and 8% over the past week.
To reach $100 from its current price, XRP would need a surge of 4,900%. While X Finance Bull speculates this could happen within two years, other widely cited price projections offer a more conservative outlook.
For instance, Telegaon analysts believe it could take XRP until 2050 to reach $106. For 2040, they suggest a price of $71. Meanwhile, Changelly is more optimistic, projecting XRP could reach $100 between 2035 and 2040. During this period, it expects XRP’s price to fluctuate between $70 and $140.
Interestingly, while these analyses suggest a multi-decade timeline for XRP to reach triple digits, independent analysts in the community are far more optimistic due to ETFs accumulating XRP now at historic rates.