A leaked model discussed by Teucrium CEO Sal Gilbertie suggests XRP would need to trade between $5 and $4,300 to efficiently handle institutional payment flows. The projection, based on XRP's velocity and adoption in banking, was shared in footage posted by crypto analyst Don Digital Finance on X. Another analyst, XRP Queen, sees a more immediate target of $3.84—the 2018 all-time high—before a potential run to $227.
The model behind the numbers
Gilbertie's model treats XRP as a functional tool for banks, not just a speculative asset. It factors in institutional adoption rates and the speed at which money moves through the network—velocity. The result is a price band that spans four orders of magnitude. That's a huge spread, and it reflects how sensitive the model is to assumptions about real-world usage and liquidity.
XRP Queen's price path
Analyst XRP Queen outlined a two-step scenario. First, XRP reclaims its 2018 peak of $3.84. After that, she sees a target of $227. Her reasoning ties XRP to a $2.7 trillion market covering payments, decentralized media, and Web3. She didn't give a timeline, but the implication is that the rally would unfold over a period of years, not weeks.
What the wide range means
A $5 floor and a $4,300 ceiling—that's not a prediction, it's a possibility space. Gilbertie's model doesn't claim the price will hit either end; it says that for XRP to function as an institutional settlement layer, the price needs to land somewhere inside that range. Below $5, the token might not provide enough liquidity for big bank flows. Above $4,300, it becomes cost-prohibitive for everyday use. The middle ground, if it exists, is anyone's guess.
The leaked footage has already sparked debate online. Don Digital Finance, who shared the clip, didn't add commentary—just let the numbers speak for themselves. For now, the conversation is about whether any model can realistically pin down a price for a token with so many moving parts.
The next concrete milestone? XRP Queen's $3.84 target. That level is roughly where XRP peaked seven years ago. Whether the market can push past it in 2026 remains the open question.
