The number 60 billion tokens is the basis of the argument that XRP will never be a real wealth-builder. To reach the $150 price per coin that would turn a $10,000 investment into $1,500,000, XRP’s token market cap must be at least 13.5 trillion. This is about 10 times the current Bitcoin value. Bitcoin is the biggest cryptocurrency. It’s because of this that XRP won’t reach the highs promised by viral posts on social media. It’s the same reason why XRP is a great investment, it depends on your return expectations.
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Vincent Scott, an industry commentator, reacted to viral XRP millionaire claims. Vincent Scott argued that those making such extreme claims are not credible. “3,500 XRP will make you a millionaire by February 2026,” Attract massive engagement without being accountable. In order to make that particular prediction, XRP would need to reach $286. That’s a 14,058% gain in just two months.
The debate over XRP’s success continues
Not all people agree that XRP is doomed to fail. XRP is not a future technology without examining the technology itself. Bank of America operates internal transfers with Ripple. Santander’s One Pay FX platform uses XRP. In early 2025 the SEC dropped their appeal against Ripple, and today’s XRP Ledger can process up to 40,000 transaction per second. The partnerships are not speculations, but real. The XRP Ledger also complies with ISO 20022. SWIFT had planned to fully implement this standard by November 2025.
XRP has not been firmly established to guarantee a consistent flow. A structural problem makes it difficult to convince people why XRP is going to succeed. Ripple network users do not appear to be required to make use of XRP. Fiat transfers are possible directly. Ripple launched its own stablecoin RLUSD in 2024. Banks prefer stable assets to volatile ones. Ripple holds 40 billion XRP coins, about 40% of the total supply. They release them slowly. One company has a large influence on both supply and the price. This is another reason why XRP’s price will not rise as much as the bulls would like.
Analysts’ Actual Views on XRP Future Prices
Future price estimations of XRP for 2026 can vary widely. 21Shares’ base case is $2.45. The asset manager oversees an estimated $11 Billion in assets. Around 50% more than the current price. Wall Street analysts have set a target of $8 to $12.50 in 2028. CoinCodex maintains bearish short-term signals. MEXC’s analysts are warning about “catalyst exhaustion” Now that the lawsuit has been resolved, XRP is likely to trade sideways until 2026 if no major adoption announcements are made.
Why Not? Chad Steingraber In a recent blog post, it was noted:
“Looking at the XRP Open Interest, you can clearly see that in history when Open Interest begins to go up, the price of XRP follows almost exactly the same pattern. This is an EXTREMELY great indicator to follow to predict the price just before it happens.”
The Open Interest as of the 21st February, 2026 was $2.33 billion. XRP does not have a future in becoming a millionaire with a low-starting position. The XRP data on future prices supports this. The only people that can make a profit are those who don’t mind volatility, and have realistic expectations of 2x to 3-fold gains. XRP is not a quick-rich asset. The math says so.
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Source: watcher.guru
