If you’re one of those people who thinks XRP is the future of finance because “banks use it,” I have news for you: no one uses it. Ripple has been selling you the idea that its token is the backbone of the global banking system for years, but when the network went down for over an hour the other day, what happened to those so-called banks? Nothing. No one noticed because no one uses it.
But you continue to cling to the illusion that one day XRP will skyrocket and make you a millionaire. Meanwhile, Ripple Labs continues to sell tokens to the market, filling its petty cash box with your money to pay for lawyers, marketing events, and who knows what else.

XRP's Theoretical Value Hits $130,000: A Revolutionary Vision by Valhil Capital
A groundbreaking analysis from Valhil Capital has unveiled a bold projection for XRP, positioning its theoretical fair market value at a staggering $130,000. This valuation highlights XRP’s potential to serve as the cornerstone of a fully tokenized global economy. While XRP has recently climbed above $2, showcasing impressive growth over the past six weeks, analysts argue its current market price remains vastly undervalued. Factors like suppressed market sentiment and the absence of widespread tokenization infrastructure contribute to this significant gap.
---
Inside the Collateralization Model
Last year, Valhil Capital introduced a series of valuation frameworks to evaluate XRP's true potential. Among these, the Collateralization Model stands out, envisioning XRP as the backbone of a blockchain-driven financial ecosystem. The model predicts that under a scenario where all global assets—ranging from real estate and derivatives to central bank reserves and commodities—are tokenized, XRP would emerge as the primary collateral asset.
This vision aligns with insights shared by Ripple’s CTO, David Schwartz, who emphasized the XRP Ledger’s (XRPL) pivotal role in facilitating Real-World Asset (RWA) tokenization. Unlike traditional models, this approach focuses on XRP’s ability to secure and collateralize tokenized assets across the globe, offering a new layer of utility and value.
---
How the Model Calculates $130,000 XRP
The model starts by estimating the total global wealth at approximately $5.8 quadrillion. To account for uncertainties and potential risks associated with tokenizing such an expansive financial system, a 1.3x risk adjustment factor is applied. This results in an adjusted total valuation of $7.5 quadrillion, which represents the projected tokenized economy by 2035.
By dividing this figure by XRP’s current circulating supply of 52 billion tokens, the model calculates a hypothetical fair market value of $130,000 per XRP. This valuation assumes a blockchain-powered economy where every financial asset is tokenized, with XRP serving as the universal collateral to secure these assets.
---
XRP's Role in a Tokenized Financial Future
The Collateralization Model underscores XRP’s immense potential to become a store of value and a foundation for a highly interconnected financial ecosystem. Unlike traditional valuation methods, which focus solely on transactional use cases, this model highlights XRP’s unique ability to support and secure global financial assets.
However, achieving this vision is no small feat. The path to tokenizing the global economy requires overcoming major technological and regulatory challenges. Additionally, unforeseen changes in economic systems or unaccounted asset classes could influence the model’s accuracy and assumptions.
---
Current Market vs Future Potential
At present, XRP trades around $2.40, a far cry from the theoretical $130,000 value proposed by the Collateralization Model. It’s important to note that this analysis reflects a future ideal scenario rather than a concrete price prediction. While the current market reality is vastly different, the model serves as a powerful insight into the untapped potential XRP could unlock as tokenization becomes a mainstream financial solution.
For now, XRP remains a speculative asset. Yet its role in bridging traditional finance and blockchain technology could redefine its value and importance in the years ahead.
---
Disclaimer: This content is for informational purposes only and should not be interpreted as financial advice. The views expressed here are independent and do not represent financial or investment guidance. Readers are strongly encouraged to conduct their own research before making any investment decisions. This publication assumes no responsibility for any financial losses resulting from investment actions.
#XRPVision #XRP130K #BlockchainInnovation #ETHHits4KAgain #XRPLover #XRPFuture 🚀