Expert Says Market Cap Does Not Matter for XRP, Sets Bold $25 Price Target

Market commentator Armando Pantoja shares his insights on the “true” value of XRP and why the traditional market cap calculation doesn’t apply.

In a tweet, Pantoja discussed why XRP’s potential isn’t limited by market cap. According to him, many people often misunderstand this concept in the crypto scene. He argued that XRP holds a unique position, making the traditional market cap calculation inapplicable to it.

XRP Unique Position

Pantoja first highlighted that XRP’s design for high-speed transactions, settling in just 3 to 5 seconds, makes it uniquely capable of handling vast volumes. He speculated that, unlike traditional assets, one XRP token could be reused multiple times a day. In his view, this enables daily transactions worth trillions without requiring a trillion-dollar market cap.

Pantoja envisions a future where XRP plays a central role in a tokenized global economy valued at one to two quadrillion dollars. He suggested that even if XRP were to handle just 10% of this market, it would still support trillions of dollars in daily settlements, raising its price to $10,000 or more.

“XRP is not just another cryptocurrency. It’s a game changer in global finance. That’s why the concept of market cap as a limiting factor does not apply,” Pantoja said.

XRP Limited Supply and Growing Demand

Another key point Pantoja emphasized is XRP’s circulating supply, which is limited to 99 billion tokens. He believes the price must be high enough for global liquidity to handle massive volumes as demand rises.

With hopes for adoption by institutions, CBDCs, and governments, he speculated that the price must reflect its utility in facilitating efficient, cross-border transactions—rather than adhering to a traditional market cap calculation.

Essentially, pundits like Pantoja use this theory to justify why $10,000 per token is “realistic” for XRP, even though such a price would imply a market cap of around $1 quadrillion.

According to Pantoja, the price of XRP, like oil or gold, will ultimately be determined by demand, not an arbitrary cap—especially as demand grows.

Meanwhile, Pantoja is not expecting XRP to reach $10,000 anytime soon. For the present bull cycle, he has projected a range between $8 and $25 for XRP. Specifically, he expects XRP to reach this level by at most 2026.

Notably, with XRP’s price currently at $2.48, reaching $25 would require a growth of 908%.

Global Adoption and XRP’s Future Growth

Looking ahead, Pantoja points out that the biggest growth for XRP will come from outside the United States, particularly in regions like Asia.

He noted that banks in these regions are actively seeking cheaper and more efficient ways to move money, and XRP provides the ideal solution.

Ripple has already forged key partnerships with banks in Asia, positioning XRP for widespread adoption. As more banks globally integrate XRP into their systems, proponents expect XRP’s price to soar into the double-digit range in the near future.