XRP Enthusiasm Surges as Long-Term Holders Discuss a Historic Future

Reports have been circulating on social media this week after a notable XRP commentator issued a warning to skeptics that they might be underestimating the token’s long-term significance in finance.

Key Takeaways

XRP supporters believe the asset has long-term value that is often overlooked by short-term market trends.
Recent regulatory progress could significantly affect Ripple's future and how XRP is perceived in the marketplace.
Predictions for XRP's future price vary widely, with some analysts projecting substantial growth while others remain cautious.

XRP

A post on X by user UnknowDLT claimed that XRP’s role in global payment systems was “planned more than a decade ago” and suggested that the asset could potentially become “the most valuable in the world,” igniting both discussion and skepticism.

Community Perspectives Amplified

Supporters of XRP have long contended that current market prices overlook more significant underlying trends. Prominent community accounts suggest that the distraction of short-term trading could mask structural shifts capable of increasing XRP demand over the years.

One commentator, X Finance Bull, speculated that Ripple’s escrow — which currently safeguards 34.4 billion XRP — will serve as locked liquidity for banking corridors and institutional applications rather than just a reserve supply intended for retail sales.

"The world is NOT ready for what is coming for XRP. It was planned more than a decade ago. It is going to be the most valuable asset in the world. People who dismiss XRP now will eventually regret it." — {x} (@unknowDLT) December 15, 2025

Regulatory Developments and Institutional Goals

Recent regulatory actions by Ripple play a vital role in the optimistic outlook for XRP. Reports suggest that the company has received conditional approval from the Office of the Comptroller of the Currency to pursue a national trust bank charter and is in search of a Federal Reserve master account.

Community analysts argue that these developments could bring Ripple closer to integration within mainstream finance, fundamentally altering perceptions of token supply and institutional demand.

"🚨 $XRP HOLDERS! If you’re considering selling your $XRP, think twice! The CLARITY Act is expected in early 2026, which would mark a dramatic shift for Ripple." — X Finance Bull (@Xfinancebull) December 15, 2025

Some XRP supporters view the potential US Clarity Act as a significant legal achievement, with some predicting its passage in the first half of 2026.

By leveraging analysts and company predictions, broader possibilities are being mapped out. Ripple has projected that the tokenization market may expand to as much as $19 trillion by 2033.

XRPUSD currently trading at $1.86. Chart: TradingView

Currently, XRP is trading at $1.86, according to TradingView. Some commentators speculate that if a portion of this market utilizes the XRP Ledger, price predictions could soar, with bullish estimates suggesting a possible value of $189 per XRP under high-adoption scenarios.

Many community members believe that substantial momentum for tokenization will develop between 2026 and 2027, favoring high-throughput ledgers like XRP's.

However, not everyone shares this optimistic vision. A few firms cited by community members project significantly lower targets for XRP, with conservative models anticipating prices below $30 by 2030. Other professional forecasts put $100 XRP beyond the next decade.

Traders and investors must consider three key factors: regulatory clarity, technical capabilities, and whether the escrowed supply will be used for institutional transactions rather than personal sales.