Where Will XRP (Ripple) Be in 13 Years?

Core Insights - Ripple (XRP) has experienced a remarkable increase in value of nearly 60,000% since its launch in 2012, but another similar rise is highly improbable due to the constraints of the global economy [1][2][4] Group 1: Market Potential - Ripple's technology has the potential to capture a significant share of the global transactions market, which is one of the largest in existence, although comparing it directly to established networks like SWIFT and Visa is complex due to different fee structures [3][4] - The SWIFT payments network processes trillions of dollars daily, while Visa handled less than $16 trillion in 2024, highlighting the scale of the market Ripple aims to penetrate [3] Group 2: Institutional Adoption - Institutional adoption of the XRP Ledger is expected to accelerate, driven by its advantages of being cheaper, faster, and more transparent than existing solutions [5] - Major financial institutions have been hesitant to adopt Ripple due to its status as a novel technology and its historical legal challenges, which have affected its reputation [6] - Recent legal settlements with the SEC may pave the way for increased adoption, with institutions like Bank of America beginning to test Ripple's network for cross-border payments [7]