‘XRP to $100 Is Not Crazy,’ Says Finance Insider Here’s Why

The idea of $XRP reaching $100 is once again stirring debate across the crypto world. For some, it sounds unrealistic. For others, it’s simply a matter of time.

Right now, the price action tells a different story. $XRP has slipped below $1.35 and is trading under its 100-hour Simple Moving Average. After losing support around $1.40, the token is consolidating near $1.33.

Short-term charts show resistance forming around $1.42, with momentum indicators still leaning bearish. If $XRP cannot reclaim the $1.37 to $1.40 range, analysts warn another move toward $1.30 is possible.

So why are some investors still talking about triple digits?

The Long-Term Infrastructure Argument

According to a finance insider, the $100 target isn’t hype. It’s based on structural change.

The insider, who spent a decade working inside the financial sector, says most critics underestimate how slow and outdated banking infrastructure still is. He points to the transition from paper-based systems to digital workflows as proof that transformation in finance does not happen overnight, but when it does, it reshapes everything.

From his perspective, $XRP is not just another speculative token. It is tied to payment rails, liquidity systems, and institutional settlement layers. Ripple’s expanding banking integrations and updated institutional dashboards signal that modernization is underway. Many traditional wire systems, he argues, still operate with interfaces that feel decades old.

If $XRP becomes embedded in cross-border settlement infrastructure at scale, demand could rise structurally, not just speculatively.

The Skeptical View

Critics counter with math. $XRP has a circulating supply of roughly 61 billion tokens. For the asset to reach $100, its market capitalization would need to climb into multi-trillion-dollar territory.

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Some analysts argue that in payment-focused networks, transaction velocity increases with adoption. In other words, the token moves faster rather than necessarily becoming dramatically more expensive.

There is also the broader macro backdrop. Risk assets remain under pressure, and regulatory clarity is still evolving. In the short term, $XRP faces technical resistance before any major upside conversation can even begin.

Vision Versus Reality

At today’s price levels near $1.33, a move to $100 seems distant. But long-term projections often depend less on current charts and more on structural shifts in technology and regulation.

Whether $XRP ever reaches triple digits remains uncertain. What is clear is that the debate reflects two very different ways of looking at crypto. One side focuses on present price action. The other focuses on how financial infrastructure could evolve over the next decade.

For now, $XRP sits between those two narratives. The market is cautious. The believers are confident. And the discussion around $100 is far from over.