- XRP’s fair value could reach $44.13 if it matches USDT’s peak daily volume.
- Technical patterns suggest XRP may mirror its 2017 breakout with a new rally.
- Institutional adoption and real-world utility are key drivers of XRP’s valuation.
XRP, once a top performer in the crypto bull run of 2018, is back in the spotlight amid renewed optimism. Despite facing years of underperformance and skepticism, its recent surge past $2 has reignited speculation. Many analysts argue that XRP remains fundamentally undervalued, particularly as institutions begin exploring real-world blockchain utility.
If XRP were to match the daily transaction volume of USDT the most heavily traded crypto asset its valuation could skyrocket. A new fair value analysis using a widely respected research model puts XRP’s potential price at $44.13 under the right market conditions.
Institutional Use Case Drives Valuation Forecast
To understand this valuation, analysts applied a model developed by Robert Mitchnick and Susan Athey. Their framework focuses on utility, rather than hype or speculation, when calculating a token’s worth. It considers how often a digital asset is used, its role in value transfer, and how much is held as a store of value.
XRP’s real-world use case as a cross-border bridge asset sets it apart from many tokens. This makes it ideal for institutional transactions, especially when rapid settlements are needed. In this model, analysts used a projected daily volume of $292 billion — the same as USDT’s peak in early 2025. They assumed each XRP would be used once every 10 days, reflecting steady institutional usage.
The model also factored in a projected circulating supply of 66.2 billion XRP over the next three years. This figure includes scheduled token releases from escrow. Using a 2% annual discount rate, the model estimated a present-day value of $44.13 per XRP, assuming all parameters align.
Market Patterns Echo 2017 Bull Cycle
According to analysis by XRP Avengers, an analyst analysis suggests, XRP’s price behavior in 2025 closely resembles its 2017 breakout pattern. After overcoming key resistance at $0.90 earlier this year, it surged to $3. This created a bullish pennant formation, much like in the previous cycle.
If this pattern continues, analysts predict another sharp rally could follow. Price support is holding around $1.40, while resistance near $3.50 may serve as the next launch point.
🚨 Back in 2017 after the first initial rally $XRP formed a Pennant Pattern before exploding higher.. it’s going the exact same thing again 🚀
— ⚔️ XRP Avengers ⚔️ (@XRP_Avengers) July 4, 2025
Keep doubting, you’ll be left behind 😘 pic.twitter.com/0fqYMI4Ltq
Moreover, this technical structure aligns with broader market sentiment. Many investors believe XRP is currently mid-cycle, with significant upside potential if global payment use cases expand. The “WE ARE HERE” analysis pinpoints this moment as a potential pivot, just before the next breakout phase.
Current Metrics and Sentiment
As of press time trading at $2.22 XRP has gained over 6% in the past week but dropped slightly by 2.27% in the last 24 hours. It currently holds a market cap of over $131 billion, with a 24-hour trading volume of $3.1 billion.
