A recent valuation model developed by Valhil Capital has stirred fresh discussion across the cryptocurrency space after projecting that XRP could reach up to $9,000 by the end of the decade. The model is based on XRP’s potential long-term utility and rising demand as a global settlement asset.
According to the report, the model leans on the Athey & Mitchnick framework, which focuses less on XRP’s transactional volume and more on its store-of-value characteristics.
With increased adoption of the XRP by more users and institutions in cross-border settlements, the available supply will decline, which may cause a substantial increase in the price.
It is projected that widespread use will take five years, and the analysis will be carried out by 2030. It puts daily transaction amounts at about 700 billion dollars, and holds circulating supply at 56.5 billion XRP.
Future value was estimated at a discount rate of 10 percent, and the base scenario was estimated at 4,813 per token.
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According to the model, if XRP is used in only 10 percent of world financial operations, such a price level would be justified. However, more radical conditions were also taken into account, and when total demand reaches as much as $1 quadrillion, the price of the XRP coin can reach as much as $9,000.
Wider Institutional Use and Holding Behavior Could Influence XRP Supply
Valhil’s report highlights a self-reinforcing loop that could emerge from XRP’s growing use. As more institutions rely on XRP for settlement, users may be inclined to hold rather than spend the asset, creating further scarcity in circulation.
This behavior could push prices even higher, especially as new sectors, including real estate and financial derivatives, begin integrating XRP into operations. These industries were not part of the core model, and upside might exist when adoption is extended even more.
The report also recognizes a number of challenges, including regulatory changes around the globe and changes in technology infrastructure. These factors might influence the rate and magnitude of XRP adoption in the financial ecosystem.
Valhil Capital’s projection paints a bold outlook for XRP, linking its value growth to increasing global use. While the $9,000 figure is at the upper range, the model reflects a growing belief in XRP’s role as a long-term financial instrument.
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