XRP is trading around $2, but one analyst argues that price is a mistake. The token, designed for cross-border payments and institutional money movement, is being treated like a speculative asset — and that's holding its value back, according to a market commentator known as BarriC.
The analyst's case for a much higher price
BarriC says XRP is undervalued relative to its intended use case. The token was built to serve as a global financial rail, letting banks and payment providers move value between institutions quickly and cheaply. That's a far cry from how most retail traders treat it today. They chase short-term targets — $3, $5, $10 — which BarriC dismisses as 'retail thinking.'
The real payoff, the analyst argues, won't come until XRP stops being a speculative play and actually gets embedded in the global financial system. At that point, BarriC predicts the price could hit $10,000.
What would drive a $10,000 XRP?
The $10,000 figure isn't pulled from market hype, BarriC says. It's based on three things: liquidity, transaction volume, and institutional adoption. If XRP becomes the backbone for a meaningful chunk of cross-border settlement, the argument goes, the token's value would reflect the scale of money moving through it — not the whims of day traders.
Even a $100 target would stop sounding crazy once real adoption kicks in, the analyst suggested. For now, though, the market is stuck in a cycle of small price moves and short-term bets.
The gap between retail and institutional thinking
BarriC's view highlights a divide in how different parts of the market see XRP. Retail traders look at charts and try to guess the next pump. The analyst is looking at infrastructure deals, regulatory clarity, and payment corridors. Until those two perspectives converge, the price may stay anchored near $2 — a level BarriC calls a mistake.
There's no date on when that convergence might happen. But the prediction puts a stake in the ground: if XRP becomes a working financial rail, its current price won't look like a bargain — it'll look like an error.
