XRP Price Prediction: Why A Macro Analyst Says Even $100 XRP ‘Won’t Get The Job Done’

Macro analyst Jim Willie believes $XRP is headed for a far bigger role than most investors imagine, possibly inside the International Monetary Fund’s own reserve system. In a new interview, he built his case on derivatives, de-dollarisation and the neutrality of settlement assets, and set $200 as the minimum price $XRP would need to do the job.

A seat in the IMF basket?

Willie said he believes the IMF is “farther along than they admit” in considering $XRP as part of its Special Drawing Rights, the reserve asset backed by a basket of major currencies.

He pointed to a recent IMF document on tokenization that mentions Ripple’s settlement use case. In his view, if the IMF grants a loan to a country such as Bangladesh, $XRP could serve as both the delivery and the repayment unit. “If you’re talking about de-dollarisation, you have to include the IMF,” he said.

He also repeated his belief that $XRP “had its origins under the BlackRock roof.”

The $200 maths

Willie’s price case rests on the derivatives market, which he put at about $4 quadrillion a year. He argued that the DTCC’s recent tokenization plans covered stocks and bonds but left out derivatives, the largest market of all.

If Ripple settled just 1% of that volume, he said, $XRP would need to move roughly $3 trillion to $4 trillion a month. “You think $100 get the job done? I don’t think so,” he said. “$200 minimum.”

The show’s host went further, saying $10,000 per $XRP is possible and that even $100,000 to $200,000 “is not crazy” once quadrillions in value need instant settlement.

Why stablecoins won’t win, in his view

Willie rejected the idea that stablecoins will handle global settlement instead of $XRP. His reason is neutrality. Most stablecoins are backed by government debt such as US Treasuries, euro bonds or Japanese bonds, so he argued they cannot act as a neutral bridge between countries in conflict.

He also claimed that BlackRock, JPMorgan, Bank of America, Citigroup and Goldman Sachs are quietly holding “billions” of $XRP, and that expiring non-disclosure agreements will soon reveal more. He added that the CLARITY Act would bar any company from owning more than 20% of its own token, forcing Ripple to cut its escrow from 34 to 37 billion $XRP down to 14 to 17 billion.

What is not confirmed

Willie’s claims go well beyond the public record. The IMF has not announced any plan to add $XRP to the SDR basket, which currently holds the US dollar, euro, Chinese yuan, Japanese yen and British pound. No bank has disclosed holding billions of $XRP, and BlackRock has never said $XRP began inside the firm. The CLARITY Act, which he cited on Ripple’s escrow, failed to pass the Senate in September.