Is the possibility of XRP reaching $10,000 a conservative estimate?

Recently, bold predictions about XRP have been flooding the cryptocurrency market. Multiple industry insiders have pointed out the possibility of XRP reaching $10,000, suggesting that this is not merely speculation but perhaps a conservative outlook. Currently, XRP is trading at $1.61 per coin (as of February 2026), and discussions about its potential are intensifying.

Institutional Adoption as the Main Driver of Price Increase

The most significant factor driving XRP’s price growth is the adoption by institutional investors such as major banks and payment companies. If XRP becomes a core component of international remittance systems, its demand could far exceed current expectations.

Purchases by institutional investors differ fundamentally from those of individual investors. According to analysis by Rowen Exchange, the entry of institutional players brings stable liquidity and trading volume to the market, naturally causing prices to rise. This movement is based purely on market demand and is considered highly reliable.

Supply Constraints Generate Extremely Scarce Liquidity

XRP’s supply structure is a key basis for its price increase scenarios. The total supply is approximately 99,985,724,371 coins, but only about 60,853,233,336 coins (as of February 2026) are actually circulating in the market. In other words, roughly 61% of the total supply is available on the market.

If institutional investors actively buy physical XRP, the amount available in the market will decrease further. The more constrained the supply becomes, the more the price per coin must necessarily rise to handle the same trading volume.

Liquidity Model Supporting the $10,000 Target

While discussions about market capitalization may seem important at first glance, the real focus is on the liquidity needed for remittances in the global economy. Industry analyst John Squire states that if the global economy adopts XRP-based remittance systems, even capturing just 10% of the market share would require XRP’s price to significantly exceed $10,000.

According to Squire’s calculation model, processing daily trillions of dollars in transactions with the current circulating supply of about 6 billion XRP is entirely feasible. What is needed is not enormous liquidity but only around $2 billion in liquidity, which can facilitate trillions of dollars in international remittances through the use of 2 million XRP daily.

Considering this efficiency, the logic follows that the price of XRP necessary to meet global remittance needs would have to rise sharply from the current $1.61. If supply is fixed and only a very limited liquidity is required, reaching $10,000 is not an excessive prediction but rather a reasonable estimate.