A prominent XRP Ledger validator and analyst known as 24HRSCRYPTO has ignited debate with a bold prediction that XRP's price is structurally destined to reach $100, while simultaneously warning that everyday investors will soon be "priced out" of accumulating meaningful holdings.
The validator argues XRP is deeply undervalued, describing it as a "$100 asset trading below face value" while still available under $2. He warns that as prices rise, the mathematical reality of fixed monthly incomes will make significant accumulation "mathematically impossible" for average participants. To illustrate, he showed how a $500 monthly investment buys drastically fewer tokens as XRP appreciates: 322 XRP at $1.55, 259 at $1.93, 152 at $3.30, 71 at $7.00, 50 at $10.00, 38 at $13.00, and only 33 at $15.00.
On-chain data reveals significant concentration already, with over 500,000 XRP Ledger accounts holding at least 10,000 XRP each (worth roughly $19,300 at current prices). The validator emphasized these are accounts, not unique individuals, suggesting actual concentration among large holders is even higher.
The $100 price target is framed as a structural necessity, not speculation. The analyst points to XRP's deflationary supply mechanism, noting that 2,587,667 XRP have been burned over the past 806 days, averaging about 3,210 tokens destroyed daily. He argues this burn rate will accelerate as transaction volume and institutional adoption increase, creating structural scarcity.
The pre-mined, fixed supply design is presented as intentional for institutional adoption. 24HRSCRYPTO states Ripple designed XRP from a "banker's perspective," favoring predictable supply and fixed issuance to align with traditional financial infrastructure. He contends a higher price is required for XRP to function efficiently as a global settlement asset, as low token prices would create liquidity strain when moving tens or hundreds of billions of dollars. "Higher price isn't speculation," he wrote. "It's required for scale."
The commentary arrives as XRP continues to trade below $2, with the market divided on its long-term valuation. While supporters see current levels as a historic accumulation opportunity, critics note the predictions remain speculative and dependent on broader adoption and regulatory clarity.
