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The $XRP community found itself divided after comments from former Ripple CTO David Schwartz resurfaced regarding the possibility of XRP reaching the $50–$100 price range. What began as a cautious response quickly escalated into a heated debate across Crypto Twitter.
Schwartz was responding to a user who claimed $XRP could never reach such levels. In his reply, he stated:
“I don’t feel comfortable saying something like that.”
While the statement was measured, it immediately caught the attention of the XRP army. Many interpreted it as skepticism, even though Schwartz later clarified that his discomfort was rooted in probability, not dismissal.
Schwartz’s Track Record: A Lesson in Underestimation
To understand the context, it’s important to revisit Schwartz’s personal history with XRP. He entered XRP at approximately $0.006 and later began selling around $0.10, a move that already represented a gain of nearly 1,567%.
However, XRP didn’t stop there. The asset eventually surged to $0.25, proving that even one of its earliest architects underestimated its upside potential. This historical example highlights a recurring theme in crypto markets: early expectations often fail to capture long-term growth.
Crypto Analyst Bird Weighs In
Crypto analyst and XRPL developer Bird (@Bird_XRPL) addressed the controversy, emphasizing that Schwartz’s caution should not be confused with bearish sentiment.
According to Bird, statements such as “I don’t think it’s likely” reflect risk-based probability, not certainty. In financial markets, probability assessments are tools for managing expectations — not definitive forecasts.
Bird further pointed out that Schwartz once considered Bitcoin reaching $100 an “impossible dream.” Bitcoin later went on to exceed $120,000, reinforcing the idea that cautious outlooks do not limit future outcomes.
Probability vs. Belief: A Key Distinction
One of the most misunderstood aspects of Schwartz’s comments is the difference between likelihood and belief. Bird explained that Schwartz’s wording reflects experience-driven prudence rather than a lack of confidence in XRP.
This distinction is critical. Many seasoned developers and analysts remain conservative in public commentary, not because they doubt the asset, but because markets consistently outperform early models.
What This Means for XRP Investors
From $0.006 to over $2, XRP has already demonstrated an ability to exceed expectations. Schwartz himself has previously explained why XRP cannot remain undervalued indefinitely, given its role in global payments infrastructure.
Bird urged investors to view these remarks within the broader context of crypto history. When insiders express caution, it often reflects lessons learned — not bearish conviction.
Is XRP Headed Toward $100?
While reaching $100 XRP would require massive adoption, liquidity expansion, and regulatory clarity, many analysts believe it is not impossible over a long-term horizon.
Bird concluded that when someone with Schwartz’s experience says “I don’t think it’s likely,” it should be read as context — not a warning. In his view, Schwartz remains fundamentally aligned with XRP’s long-term vision.
As history has repeatedly shown, crypto markets have a habit of defying even the most informed expectations.
Final Thoughts
XRP’s journey so far proves one thing clearly:
Early doubt does not define future performance.
For investors, the key lies in separating emotional reactions from rational interpretation — and understanding that caution from veterans often carries more insight than fear.
Hashtags
#XRP #Ripple #CryptoNews #XRPL

​The crypto market is a battlefield of narratives, but few are as misunderstood and impactful as the evolving supply dynamics of XRP. While the masses fixate on daily price fluctuations, a more profound shift is occurring beneath the surface – one that hints at a significant supply shock as institutional utility for XRP quietly surges. This isn't just about price; it's about the fundamental mechanics of a system built for global liquidity.
​Beyond the Charts: The Rise of Utility-Driven Demand
​For years, XRP's narrative was dominated by retail speculation and regulatory uncertainty. While these factors remain relevant, the landscape is rapidly transforming. Ripple's On-Demand Liquidity (ODL) corridors are not just theoretical; they are live, expanding, and processing billions in cross-border payments.
​Think of it this way: every time a financial institution uses ODL to facilitate a transaction, XRP is acquired on one end and sold on the other, acting as a real-time bridge asset. This isn't speculative trading; it's utility-driven demand. As more banks, payment providers, and enterprises integrate ODL, the underlying demand for XRP as a working capital asset increases.
​The Deflationary Mechanics: A Slow Burn You Can't Ignore
​One of the most overlooked aspects of the XRP Ledger (XRPL) is its inherent deflationary mechanism. Every transaction on the XRPL incurs a small, dynamic fee (currently negligible, often fractions of a cent). This fee is burned, permanently removing XRP from circulation. While individual burns are tiny, aggregated over millions and eventually billions of transactions, this becomes a powerful long-term deflationary force.
​Consider this: As ODL volumes continue to grow, transaction counts on the XRPL will naturally escalate. More transactions mean more burns, steadily reducing the total supply of XRP over time. It's a slow burn, but a persistent one.
​The AMM Effect: Locking Liquidity, Amplifying Scarcity
​The introduction of Automated Market Makers (AMMs) on the XRP Ledger is a game-changer for supply dynamics. Unlike traditional order books where assets are merely listed for sale, AMMs require liquidity providers to lock up their assets into liquidity pools.
​What does this mean for XRP?
​Reduced Circulating Supply: A significant portion of XRP is now being committed to these AMM pools, making it less readily available for sale on exchanges.​Deepening Liquidity: While seemingly counterintuitive, locking liquidity in AMMs actually improves the efficiency of the market, allowing for larger trades with less slippage. This, in turn, can attract even more institutional participation.​The "Liquidity Trap": As more ODL providers and decentralized applications leverage XRPL AMMs, the amount of XRP "trapped" in these pools will grow. This creates a scenario where available supply for traditional spot trading becomes increasingly constrained, even as overall demand rises. This is the essence of the liquidity squeeze.
​The Institutional Accumulation: "Smart Money" Playing the Long Game

​While retail investors often chase pumps, institutional players are known for their patient accumulation strategies. The silence around XRP's utility growth often belies the strategic positioning by "smart money" entities who understand the long-term implications of ODL scaling and the XRPL's expanding ecosystem (e.g., Hooks, Sidechains, DEXs).
​They aren't just buying for a quick flip; they're acquiring XRP as a functional asset for their future operations, banking on its efficiency for cross-border payments, tokenization, and decentralized finance applications.
​My Outlook: Preparing for the Unseen Catalyst
​The convergence of increasing utility-driven demand, the consistent burn mechanism, and the locking of liquidity within AMMs is setting the stage for a supply shock that could catch many off guard.
​Watch the ODL Growth: Keep an eye on Ripple's official announcements regarding new ODL partners and volume statistics. These are direct indicators of fundamental demand.​Monitor XRPL Activity: Transaction counts on the XRP Ledger are a crucial metric. Increased activity translates to more burns and greater network utilization.​Strategic Accumulation: For those with a long-term vision, identifying key support levels for gradual accumulation before the market fully recognizes this structural shift could prove wise.
​The XRP story is evolving from speculation to undeniable utility. The "supply shock" isn't a future event; it's a slow-motion phenomenon happening right now, hiding in plain sight.
#Write2Earn #XRP #CryptoAnalysis #Ripple #BinanceSquare

$XRP started January 2026 on a strong note, opening around $1.85 and quickly rallying to a monthly high near $2.42 in the first week.

That move represented a gain of over 30%, driven by early optimism and positive market conditions.

However, momentum faded mid-month. XRP began to trend lower, forming lower highs and lower lows as selling pressure increased. By the final week, the price had broken below key support levels and closed the month around $1.72–$1.74, ending January down roughly 6–7% overall.

What Drove the Early Move

The early rally was supported by strong ETF inflows, improving regulatory clarity after Ripple’s legal resolution, and broader strength across the crypto market. Reduced exchange supply also helped push prices higher at the start of the month.

Why Price Fell Later

As the month progressed, macroeconomic uncertainty took over. Sticky inflation, shifting expectations around interest-rate cuts, and a general risk-off mood across markets weighed on crypto prices. Profit-taking and technical weakness added to the downside pressure.

The Big Picture
January showed that while XRP’s fundamentals remain supportive, short-term price action is still heavily influenced by broader market conditions. The month ended with XRP consolidating below $1.80, as traders waited for clearer direction.
#Ripple #XRPRealityCheck

A massive 200,000,000 $XRP (~$477M) has just moved from Ripple to an unknown wallet! 🚀
#Xrp #Ripple #CryptoNewss #whalemovement

The crypto community is buzzing after former Ripple CTO David “JoelKatz” Schwartz made a comment about XRP’s price that has XRP holders talking.

In a recent social media exchange, Schwartz addressed a user asking about XRP reaching $50 or $100. He explained that he doesn’t feel comfortable predicting such high prices, stating it’s “not likely” while leaving room for uncertainty. In other words, while $100 isn’t impossible, he believes it’s highly improbable.
Community Reactions

XRP holders responded with a mix of surprise and debate:

Some expressed disappointment, saying: “If even the ex‑CTO doubts $100, it makes us question our own expectations.”

Others appreciated his honesty, noting that he’s simply providing a realistic, probability-based perspective, rather than giving a bearish prediction.
Schwartz’s Own Experience

Interestingly, Schwartz shared his past experience with XRP: he entered the market at around $0.006 and started selling near $0.10, believing the price wouldn’t go higher. Yet XRP later climbed past $0.25, highlighting that even insiders can’t perfectly predict price movements.
Rational Thinking vs. Emotional Targets

This discussion underscores a key point in the XRP community: while ambitious price targets like $10 or $100 circulate widely, realistic outcomes depend on adoption, market conditions, and investor behavior. Schwartz noted that if XRP had a significant probability of reaching $100, informed investors would already be positioning for it, driving the price up.
Could XRP Reach $100?

Technically, yes — but it’s extremely challenging. Analysts agree that for XRP to hit $100, there would need to be massive adoption, increased liquidity, and regulatory clarity. Schwartz’s comments reflect this, emphasizing that prices usually follow strong fundamentals rather than hope alone.

Final Thoughts

The reaction among XRP holders is divided. Some are disappointed, others respect Schwartz’s candid perspective. One thing is clear: crypto markets are inherently unpredictable, and skepticism today doesn’t determine tomorrow’s outcome.

Option A (Bullish): #XRP to $100? Why David Schwartz’s Caution Might Actually Be a Green Flag 📈
​Option B (Analytical): The "Impossible Dream": Lessons from the XRP Community’s Latest $100 Price Debate
​Option C (Clicky/News): Did Ripple’s CTO Just Dismiss $100 XRP? Here’s the Full Story 🔎
#XRP #Ripple #CryptoNews #XRPL