A crypto analyst has provided a new update on the XRP price, highlighting its 
role as a systemically important liquidity asset. According to the pundit, its 
price dynamics go beyond the typical crypto speculation, emphasizing its value 
as a foundational financial tool for global liquidity, settlement, and 
treasury management. XRP Price Signals Value Beyond Crypto Speculation On 
January 27, crypto analyst and investor Rob Cunningham shared a new take on 
the XRP price that challenges conventional crypto thinking. He emphasized that 
the question of XRP’s value is not primarily about crypto speculation but 
about balance sheets, liquidity, and risk management. He also argued that 
understanding the altcoin requires viewing it as a structural tool within the 
global financial system rather than just a market-traded asset. Related 
Reading: XRP’s 173-Day Theory: What Happens If This Historical Trend Plays Out 
Again Cunningham noted that when XRP is treated as plumbing, neutral 
collateral, and a source of settlement certainty, its price logic will stop 
looking like Bitcoin&#8217;s. He described XRP as a systemically important liquidity 
asset, meaning its valuation reflects systemic function rather than market 
hype. This framing positions XRP as an essential infrastructure for liquidity 
and cross-border settlement. The crypto pundit also cited a previous 
commentary from Ripple’s CTO Joel Katz, who reportedly argued that XRP’s price 
would need to be well above $200 to achieve its intended purpose. According to 
Katz, this price target is necessary to make the token a cost-effective 
neutral bridge of liquidity and settlement globally. Building on this, 
Cunningham concluded that regulatory clarity could come first for XRP, 
followed by adoption, and that price would then adjust. The analyst 
underscored the importance of maintaining patience, noting that the token’s 
future is inevitable once its functional purpose is fully recognized and 
integrated into global financial systems. Price When Driven By Global 
Liquidity And Settlement In his post, Cunningham referenced an image 
illustrating XRP’s potential flow, liquidity, and price relationships. The 
data highlighted the price levels XRP’s price could reach if driven by global 
liquidity and settlements. Related Reading: XRP To $11, And Then $70: The Next 
Impulse Wave To Watch Out For According to the image, if XRP captures just 15% 
of SWIFT’s annual flow, it would represent $22.5 trillion in yearly liquidity 
processed through the cryptocurrency. At 25% XRP settlement rate and tight 
liquidity corridors, the yearly XRP-settled flow would total $5.6 trillion. 
Notably, the liquidity required to support these flows depends on its 
velocity, which ranges from 1:6 to 1:12 per year. Based on an annual flow of 
$5.6 trillion and a buffer of 2x to 5x, Cunningham estimates the required XRP 
liquidity would range from $280 billion to $700 billion. This calculation 
reflects the treasury scale of XRP necessary to absorb and settle global flows 
effectively. The price scenarios in the image show a wide range, depending on 
settlement and treasury reserve assumptions. The base case assumes a price 
range of $2.50 to $7.50 for XRP, while full ripple effects could push the 
token to $10 to $200. If XRP were to function as a major reserve currency, the 
image suggests its price could reach $50 to $100 or higher. Featured image 
from Peakpx, chart from Tradingview.com

Pundit Says XRP Price Is Not A ‘Crypto’ Question, But A Systemically Important Liquidity Asset

Vitalik’s simple multisig check revives the “walkaway test,” exposing fragile 
Ethereum wallet UX just as spot ETH ETFs deepen flows and raise the cost of 
bad design. Ethereum’s co-founder is using a mundane multisig check to reopen 
an old wound…

Ethereum wallets face walkaway test as Vitalik flags UX failures

Metaplanet said proceeds will be used for Bitcoin purchases, its Bitcoin 
income business, and partial debt repayment as it executes its capital 
strategy.

Metaplanet approves $137M overseas raise to buy Bitcoin and repay debt

Crypto exchange Bybit has announced plans to launch retail banking services on 
its platform starting next month. Dubbed “My Bank,” the new product has been 
slated for launch in February, according to CEO Ben Zhou, who announced the 
offering during…

Bybit to launch retail banking services with IBAN accounts in February

Nokia’s new CEO warns the West cannot afford a self‑inflicted tech cold war as 
EU curbs on Chinese 5G collide with the borderless reality priced daily by 
Bitcoin and Ethereum. Nokia’s new chief executive Justin Hotard has delivered 
an unambiguous…

Cryptocurrency price in USD