A cryptocurrency strategist has proposed a detailed psychological roadmap for XRP to reach $100 per coin, while separate speculation explores the potential price impact if the Bank for International Settlements (BIS) were to recognize XRP as a Tier 1 asset.
Strategist BarriC's Psychological Model: In a recent social media post, strategist BarriC outlined how shifting investor sentiment could propel XRP's price to triple digits. The model begins with complacency around $2, where investors perceive XRP as easily accessible, removing urgency. As the price approaches $3 to $5, skepticism grows, with critics questioning its role in global finance. The psychology shifts once XRP enters double-digit territory ($10-$20), where investors experience regret and resignation, believing they've missed the opportunity.
BarriC argues the emotional breaking point arrives at $100, where disbelief collapses and is replaced by frustration and urgency, forcing latecomers to chase the asset. He extends this logic to $1,000, where motivation turns to desperation, and even speculates on a $10,000 XRP price point representing total investor resignation.
BIS Tier-1 Asset Speculation: Concurrently, a discussion sparked by Jake Claver, CEO of Digital Ascension Group, and highlighted by TheCryptoBasic, explores a hypothetical scenario where the BIS could classify XRP as a Tier 1 asset. Under the current Basel framework, unbacked cryptocurrencies like XRP fall into "Group 2", facing strict capital holding limits (often 1-2% of Tier 1 capital) for banks. Tier 1 assets, which include cash, gold, and high-grade government debt, are considered the safest and most liquid.
An assessment referenced by TheCryptoBasic, using Google Gemini AI, modeled the potential outcome of XRP moving from Group 2 to Tier 1 status. The analysis suggested such a radical regulatory shift could allow banks to hold XRP without heavy capital penalties, potentially valuing XRP between $15 and $22 by 2026 under this specific scenario.
Regulatory Reality Check: The report emphasizes that this scenario remains highly speculative. The current BIS framework reserves Tier 1 status for government-backed assets and physical gold, with no existing pathway for unbacked cryptocurrencies. A change would require a fundamental global regulatory rewrite or formal recognition of XRP's sustained real-world utility and stability.
