Where Will the Cryptocurrency XRP Be in 10 Years?

Group 1 - XRP has surged over 370% since last October, driven by hopes for regulatory clarity and mass banking adoption, but long-term value is expected to be lower than investor expectations [1][8] - Banks can utilize RippleNet without needing XRP, which undermines the bullish thesis that XRP's price will rise with bank adoption of Ripple's technology [2][3] - Ripple's flagship product, RippleNet, offers speed and cost savings without requiring banks to use XRP, limiting the demand for XRP primarily to smaller institutions [3] Group 2 - Ripple's stablecoin, RLUSD, could potentially replace XRP as the bridge asset in cross-border transactions, which may negatively impact XRP's demand [5] - In a decade, XRP is anticipated to serve as a cautionary tale regarding the misalignment between a company's success and its token's value, with expected returns lagging behind the market [6] - Despite recent gains following the SEC dropping its lawsuit against Ripple, the growth in adoption of Ripple's products may not translate into the anticipated growth for XRP [8]