- Validator argues $100 XRP is structurally necessary, not hype, to efficiently support large-scale institutional settlement.
- XRP’s supply is slowly shrinking through burns, with the rate expected to accelerate as transaction volume and institutional adoption increase.
- Pre-mined, fixed supply design targets banks, and higher prices are framed as essential for liquidity.
A bold prediction from crypto analyst and XRPL validator 24HRSCRYPTO is drawing renewed attention to XRP’s long-term valuation thesis. In a recent post, the analyst argued that a $100 XRP price is not speculative hype but a structural necessity driven by supply mechanics, banking design principles, and the requirements of large-scale value transfer.
XRP Supply Shrinks as Burns Quietly Reduce Circulation
According to data cited by the analyst, XRP’s total supply has declined steadily over the past two years. Roughly 806 days ago, the circulating supply stood at 99,988,313,728 tokens. Today, that figure has fallen to 99,985,726,061. That means 2,587,667 XRP have been permanently destroyed over that period, averaging about 3,210 tokens burned each day.
While the pace appears modest, the analyst stressed that this burn rate is not static. As transaction volume rises and network usage accelerates, the number of XRP destroyed per day is expected to increase, gradually tightening supply over time.
Burn Rate Expected to Rise as Trillions Flow On-Chain
The analyst argued that XRP’s deflationary effect becomes more powerful as adoption scales. Each transaction on the XRP Ledger destroys a small amount of XRP, meaning higher activity naturally accelerates supply reduction.
Also Read: Alert: XRP Hits Extreme Fear, But Here’s The Twist
806 days ago, #XRP‘s total supply was 99,988,313,728👉🏻 today the total supply is 99,985,726,061 (2,587,667 XRP burned and gone forever in 806 days) about 3,210 XRP a day – When the price of XRP increases, as the trillions flow in – this number will DECREASE. $100 per XRP is… https://t.co/AeeIJjqlVF
— 𝟸𝟺𝙷𝚁𝚂𝙲𝚁𝚈𝙿𝚃𝙾 (@24hrscrypto1) January 15, 2026
As institutional flows grow into the trillions, XRP’s daily burns could rise meaningfully. Over long horizons, this creates structural scarcity that compounds with rising demand, reinforcing upward pressure on price. In this framework, shrinking supply is not a marketing feature but a built-in mechanism designed to support high-value settlement at scale.
Pre-Mined Design Reflects Banking Architecture
24HRSCRYPTO also revisited one of XRP’s most debated design choices: its fully pre-mined supply. According to the analyst, this feature was intentional and tailored to institutional preferences. Banks, he argued, favor predictable supply, fixed issuance, and transparent monetary structure, characteristics that differ sharply from proof-of-work or inflationary mining systems.
Ripple, he said, approached XRP from a “banker’s perspective,” designing an asset that aligns with traditional financial infrastructure rather than retail speculation.
Higher Prices Required for Large-Scale Value Transfer
At the core of the thesis is a functional argument: XRP must rise in price to perform its intended role as a global settlement asset. The analyst noted that at current valuations, XRP cannot efficiently handle transfers in the tens or hundreds of billions of dollars. Low token prices require enormous volumes of units to move large sums, creating liquidity strain and operational inefficiency.
In contrast, higher prices allow much larger amounts of value to be transferred with fewer tokens, improving capital efficiency, liquidity depth, and settlement performance. In this view, price appreciation is not optional but necessary for XRP to scale into high-value institutional corridors.
“$100 Isn’t Speculation, It’s Infrastructure”
The analyst concluded that a $100 XRP valuation is not based on hype cycles or retail enthusiasm, but on structural requirements tied to supply reduction, institutional design, and transaction efficiency.
“Higher price isn’t speculation,” he wrote. “It’s required for scale.” While the claim remains controversial and far above current market levels, it reflects a growing narrative among XRP supporters that valuation must rise dramatically for the asset to fulfill its role in global finance.
For now, the debate continues as XRP trades well below the levels envisioned by its most optimistic analysts.
Also Read: World’s Largest Institutional XRP Treasury Announces New Collaboration: Details
