A popular analyst has rejected the XRP Price Army triple-digit price target, as it would require a $5 trillion market cap. If XRP were to reach $100 soon, it would mean its market cap would exceed that of Apple, Microsoft, and even the peak of the entire crypto market. YouTuber Zack explained this in his latest video. Zack has been following XRP since it was $0.40, and in this video, he clearly explained and disproved extreme price predictions.
Zack says that he always keeps a realistic target of only $7–$10 for the multi-cycle. According to him, these new triple-digit predictions are not only wrong, but also harmful to people. “People think that by holding 100 XRP they will become rich by the end of the year,” he says. Therefore, he advises the crypto community to think more realistically and not rely on fantasy numbers.
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Math Behind Hype
The answer is simple: supply, market cap, and timing of adoption. Approximately 50 billion XRP are in circulation, and if the price reaches $100, the market cap would reach approximately $5 trillion. According to Zacks, to justify this level, XRP would need to become the king of global payments, attract significant institutional funding, and almost completely replace legacy payment systems and not in 20 years, but in a flash.
It also explains why Ripple’s actual progress such as pilots, corridor testing, and gradual banking integrations doesn’t match the kind of instant, full adoption that triple-digit predictions suggest. This doesn’t happen quickly. It takes decades, he says.
XRP Price Liquidity, Not Moonshots
Zack also challenges another common retail thinking: that if institutions adopt, the price will always go much higher.
He cites ETF launches as an example, pointing out that prices can sometimes remain flat or even fall despite billion-dollar inflows. According to Zack, institutions need deep liquidity and low volatility, especially when the asset is used for payments and settlements.
He says,
“The funny thing is, the more successful XRP becomes for payments, the less short-term price movement will be.”
According to him, if a payments token fluctuates by 30–50%, it goes completely against the needs of serious financial institutions.
Expectations Real Risk
Zack’s main concern isn’t that XRP will underperform, but that people might misunderstand its true success. If the token rises from $0.60 to $2 or even $5, but people have a $100 target in mind, many will mistake even a strong bullish move for disappointment and sell quickly.
He explains a slow and realistic path: first, regulatory clarity, then step-by-step institutional adoption, then perhaps ETF support, and then price growth linked to real liquidity and real usage. Zack says XRP can still become a strong altcoin it’s just not a lottery ticket coin.
For marketers, his video is a reminder that in this cycle where parabolic charts are being shown everywhere, the real danger is not price swings, but rather that expectations get too far away from basic math.
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People Also Ask – XRP Price
Does Zack think XRP is dead or obsolete?
No. He clearly states that XRP is the top altcoin in his portfolio. He highlights XRP’s strength in cross-border payments, the future of tokenization, and its ability to survive multiple cycles.
What is a realistic price range?
Zack has consistently cited a long-term target of $7–$10, but this is only possible if the market is strong and adoption continues to grow at a reasonable pace.
Does institutional usage always drive the price higher?
Not really. According to Zack, institutions require stability and liquidity. Because of this, even with large inflows, short-term prices rarely jump much.
Is he giving financial advice?
No. He clearly states that he is not a financial advisor. The video is for informational purposes only and his personal opinion, not investment advice.
