Crypto is having one of its periodic meltdowns, with Bitcoin once again leading the decline and dragging the broader token universe down with it. XRP (XRP-USD) has been no exception, shedding 29% of its value over the past month.
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But for those concerned there’s more downside in the cards, crypto investor Alexander I. Velasquez thinks a bet on XRP represents a great opportunity right now. In fact, he says his “entire portfolio” is currently allocated to a single investment: XRP.
That’s a risky business even for some Wall Street–style degens, but Velasquez’s investment case rests on the idea that Ripple has “built an infrastructure that SWIFT does not match,” believing that in a bullish scenario, the coin could reach as high as $66.67. This suggests upside of over 3,000% from current levels.
To understand that thesis, it helps to look at Ripple Labs, the company behind XRP. Ripple set out to solve a long-standing pain point in cross-border payments, where traditional systems like SWIFT often take three to five days to process transfers and can charge fees ranging from 5% to 8%.
Ripple’s goal is to make international payments faster, cheaper, and more reliable, enabling instant settlement, typically within three to five seconds instead of days, at a cost of less than a penny. This is achieved through the decentralized XRP Ledger (XRPL), the blockchain that records XRP transactions. Via XRPL, XRP enables direct currency conversion without intermediary banks, reducing costs and speeding up transactions.
“And this is XRP’s competitive advantage, especially among other cryptocurrencies,” says Velasquez. “real-world utility value through improving the banking system.”
So, how does Velasquez conclude XRP can reach as high as $66.67? XRP’s value is driven by its role in the $1 quadrillion global cross-border payments market, where it already handles about $5 trillion annually, including $1.3 trillion in 2Q25. In a bullish scenario, Ripple CEO Brad Garlinghouse has said that XRP could capture 14% of SWIFT’s $150 trillion yearly volume within five years (roughly $21 trillion), potentially rising to $40 trillion by 2030 as cross-border flows expand to $290 trillion. Based on assumptions of $40 trillion in annual flows, a velocity of 8, a projected 75 billion XRP supply, and a 25% risk discount, this model suggests a fair value of $66.67 per XRP.
That is the bullish take. In a less optimistic scenario, Velasquez thinks the coin could reach at least a fair value of $10.97. “Even if only a fraction of Garlinghouse’s 14% target is captured, there’s still plenty of upside for the investor,” Velasquez summed up. “Thus, I believe that XRP is precisely at the point where Visa was before the credit revolution: a system that is on the brink of global adoption.” (To watch Velasquez’s track record, click here)
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Disclaimer: The opinions expressed in this article are solely those of the featured investor. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.