XRP has been attracting recent attention. It is currently trading around $1.48, but statements by Brad Garlinghouse are becoming a hot topic in the community.

The Ripple CEO is talking about the long-term potential of XRP. Scenarios of a 10x to 100x increase are being discussed, but this is not just speculative prediction; it’s based on actual demand in the international remittance market.

What Garlinghouse emphasizes is the inefficiency of the current SWIFT system. The cross-border payment market worth trillions of dollars is still dominated by slow, high-cost infrastructure. XRP Ledger could serve as an alternative that settles transactions in seconds.

If XRP can capture even a small part of this market, it could have a significant impact on its valuation. That’s why discussions of a price range from $20 to $250 are increasing. Garlinghouse points out that if broad institutional adoption is achieved, valuations in the four- or five-figure range are not out of the question.

However, there is an important point. Garlinghouse is referring to the fact that this depends heavily on adoption, regulatory environment, and actual transaction volume. It should be viewed as a long-term potential, not a short-term price target.

The XRPL ecosystem is also expanding. With tokenization and real asset projects advancing, the use cases beyond remittances are broadening. If these developments materialize, XRP’s value could be supported not only by speculative cycles but also by actual demand.

Regulatory clarity is also a crucial factor. Garlinghouse’s statements gain credibility because of the improved regulatory situation following Ripple’s legal victory. Clearer rules would make it easier for banks and institutions to consider XRP-based solutions.

For this scenario to materialize, global partnerships, widespread institutional use, and sustainable transaction volumes over several years are necessary. Looking at Garlinghouse’s comments, Ripple seems to be envisioning this market with a long-term perspective.