Foreign media commentators believe that the logic behind XRP's potential rise to $300 does not stem from retail investor sentiment, but rather from a more aggressive premise: once the regulatory environment becomes clearer, the banking system may leverage existing technological networks to access digital asset settlement capabilities, thereby increasing the demand for bridging liquidity.
The access path points to the infrastructure layer.
The article cites a computer engineer who argues that XRP adoption may not proceed slowly in a "bank-by-bank" manner. Instead, if access occurs at the bank's infrastructure layer, coverage could expand much more rapidly.
The article mentions platforms such as Volante Technologies, ACI Worldwide, and Finastra, stating that these systems have already connected a large number of financial institutions. According to this vision, Ripple would not need to reach separate agreements with each bank individually.
The core basis is cross-border settlement liquidity.
The article focuses its argument on Ripple's On-Demand Liquidity (ODL) service. This service uses XRP as a bridging asset in cross-border settlements, so its price depends not only on holding demand but also on the amount of liquidity required for real-time settlement.
The article cites an example: if a settlement channel processes $200 billion, the lower the XRP price, the more tokens the system needs to mobilize to complete the same scale of settlement. As cross-border transaction volume expands, liquidity depth may become an efficiency constraint.
The high valuation is based on the efficiency assumption.
The article argues that if global transaction volume rises to a higher level, a higher XRP price could be seen as a result of improved settlement efficiency, as this would reduce the amount of assets required for each settlement round and reduce the pressure on system operations.
The article also mentions large clearing systems like DTCC, arguing that even with near real-time processing speeds, liquidity demand will not disappear when multiple global institutions simultaneously initiate transactions. CoinCodex data shows that XRP is currently trading at approximately $1.34, still significantly lower than the target price projected in the article.
