How XRP Reaches $10, $100, $1000—and 3 Steps It Will Take To Get There

XRP has been a hot topic in the crypto world for a while, but there’s a big question that comes up time and time again: if XRP is usually only held for a few seconds during transactions, how could it ever explode in value? It might seem counterintuitive—after all, if it’s flying around from wallet to wallet, what’s stopping us from just using the same small pool of XRP for everything? That’s exactly what we’re going to unpack here.

In this piece, we’re going to look at how XRP can reach those big price targets—like $10, $100, and even $1000—and the three steps it’ll take to get there. We’ll dive into the simple but powerful concept of supply and demand, explain how institutions might start hoarding XRP (hint: that’s where the real price driver is), and explore the mental shifts and market conditions needed to make it all happen. By the end, you’ll see why “utility” alone doesn’t necessarily make prices soar—and you’ll have a clearer vision of what it might take for XRP to break out in a big way.

Step #1: Price starts to explode when institutions start hoarding XRP – not when they start using it.

Many assume that XRP usage by banks will drive its price up. But if the same 1M XRP is reused to settle $100M daily, demand remains low. Since XRP moves quickly, it doesn’t stay in wallets long enough to create scarcity. Here’s why utility alone doesn’t drive price:

1. The Velocity Trap: If XRP moves too fast between parties, there’s less need to hold it, limiting price impact.

2. The Supply Effect: When institutions hoard XRP instead of using it, supply shrinks, and prices rise.

3. The Value Shift: Institutions will eventually see XRP as a store of value, increasing demand and reducing available supply.

Step #2: Once banks realize holding XRP is cheaper than constantly buying it, they’ll start stockpiling – and that’s when things get interesting.

Let’s paint a quick picture of what this might look like. Imagine you’re a bank (Bank A) and you handle tons of cross-border transactions. You could do one of two things:

• Option 1: Buy XRP only when needed, use it instantly, and convert it back—resulting in frequent small purchases, slippage, and repeated fees that add up over time.

• Option 2: Hold a large XRP reserve upfront. While costly at first, it cuts fees, reduces price risks, and offers long-term stability.

Here’s how the virtuous cycle could unfold:

1. Bank A sees that frequent XRP purchases, despite low fees, still eat into profits through market impact and inefficiencies.

2. They opt to buy and hold a large reserve, reducing the need for constant transactions and shielding against price surges.

3. As XRP’s price rises, holding becomes a smarter financial decision, reinforcing the incentive to accumulate rather than spend.

4. Other banks follow suit, recognizing that hoarding offers cost savings and potential price appreciation.

5. This widespread shift removes XRP from circulation, tightening supply and driving price momentum.

Step #3: While everyone’s waiting for the utility phase, I’m quietly preparing for the hoarding phase.

Most people in the crypto community are laser-focused on big announcements about XRP adoption: “Hey, this bank is testing a pilot!” or “That bank is partnering with Ripple for cross-border payments!” That’s all good news, sure—but if those institutions are just using XRP in real-time, the velocity trap remains in play.

Personally, I’m more interested in the shift to hoarding. That’s when the real fireworks begin.

But simply holding XRP isn’t enough. The real opportunity lies in having a structured, strategic approach for maximizing gains—this is where BlockFlow comes in. It’s a framework designed to help you think long-term, take profits strategically, and identify institutional shifts before they happen.

1. Think Long-Term: Don’t just react to everything that happens in the market.

2. Profit-Taking Strategy: The price going up means nothing without a plan. It's the single biggest problem my students have before working with me.

3. Monitor Institutional Sentiment: Use the information from this article wisely. You should be able to control your emotions and have situational awareness as to where we stand in the adoption curve.

Ready to Learn More? Join the LewsLetter - My free weekly newsletter

If you want to stay ahead of the hoarding phase and join 5,000 other investors upgrading their wealth every single week; Sign up for my LewsLetter, where I break down trends, share insights, and help everyday investors turn knowledge into action (and money).