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XRP’s long-term valuation continues to stir intense discussion within the crypto community. Among the most striking viewpoints comes from Versan Aljarrah, co-founder of Black Swan Capitalist, who argues that XRP’s potential to reach extremely high price levels—possibly up to $10,000 per token—is not a far-fetched fantasy but a logical outcome rooted in its design and purpose.
Aljarrah believes that to truly understand XRP’s price potential, one must move away from traditional market thinking and instead focus on its role as a global liquidity engine. The XRP Ledger (XRPL), according to him, was built not merely as a speculative asset but as an efficient settlement layer for massive cross-border transactions, tokenized assets, and institutional payments.
The Power of Fractionalization
At the core of Aljarrah’s argument lies XRP’s divisibility. Each XRP can be divided into one million smaller units called “drops.” This technical feature ensures usability across every possible price range. Even if XRP were to trade at $10,000, one drop would still be worth just a cent—allowing the network to process microtransactions smoothly.
This divisibility challenges a common misconception among retail investors: that XRP must remain inexpensive to serve its purpose. In reality, the higher the value of each XRP, the more global liquidity it can move with fewer tokens. This is critical for institutional systems that prioritize speed, efficiency, and stability over token quantity.
To illustrate this, Aljarrah provides a simple comparison:
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At $1 per XRP, moving $1 billion in value would require 1 billion XRP.
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At $10,000 per XRP, the same transaction would require only 100,000 XRP.
With fewer units in circulation, settlement becomes faster and less volatile—qualities that global banks and liquidity providers demand. In Aljarrah’s view, a high XRP price enhances, rather than hinders, its functionality.
The Math Behind Global Market Demand
Another pillar of Aljarrah’s thesis revolves around the scale of global financial markets and the proportion XRP could potentially handle. XRP’s total supply stands at 100 billion tokens, but only a fraction of that is available for active circulation. The rest is held in long-term escrow, institutional reserves, or by private holders.
Now, consider the daily turnover of the financial world:
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$7 trillion settles daily in the foreign exchange (FX) market.
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$600 trillion exists in the global derivatives sector.
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$150 trillion flows annually through cross-border payments.
Even if XRP were to facilitate just 1% of these markets, it would be managing trillions of dollars in value. To balance this liquidity with its limited supply, the token’s per-unit value would naturally have to increase—possibly to levels in the thousands.
Aljarrah argues that this is not about speculation but mathematical necessity. A global settlement network with finite supply needs a high per-unit value to maintain stability and liquidity. The system cannot function effectively if its settlement token remains undervalued relative to the trillions it represents.
XRP’s Fractional Utility for Institutions
A key advantage of XRP, according to Aljarrah, is that banks and central institutions don’t need to hold full tokens. They can use fractional units—drops—to process transactions of any size. This capability makes XRP incredibly flexible. Whether it’s powering micro-payments, remittances, or large institutional settlements, the same network architecture supports all scales of value.
He compares XRP’s structure to fractional gold ownership. Just as an ounce of gold can represent thousands of dollars in derivatives or tokenized claims, XRP can underpin large-scale financial operations through fractional representation. The difference is that XRP settles transactions instantly, securely, and without physical limitations.
From Speculation to Global Monetary Utility
Aljarrah predicts that XRP’s price will eventually move away from speculative cycles and align with its real-world utility. Once the network’s usage grows across banking systems, tokenized markets, and government-level liquidity corridors, XRP’s valuation will reflect the volume of value it moves, not merely investor sentiment.
He believes this transition could happen as financial institutions increasingly adopt blockchain-based settlement systems. The XRP Ledger’s efficiency, transaction speed, and scalability make it well-positioned for such use cases. Central banks, fintech firms, and even tokenized asset platforms could all utilize XRP to bridge fiat and digital economies.
A Shift in Perspective
Ultimately, Aljarrah’s perspective urges investors to rethink how value is measured in the crypto economy. Instead of focusing on short-term speculation, he encourages examining utility-driven valuation—where price correlates with liquidity efficiency, transaction throughput, and global adoption.
He concludes that XRP’s design was never meant to compete as a cheap retail coin but to serve as a universal settlement asset for the digital economy. Its divisibility ensures usability at any price, while its architecture supports a scale of liquidity that few other blockchains can match.
If Aljarrah’s reasoning holds, XRP’s journey toward high valuation won’t depend on hype but on how much real-world value flows through its ledger. Whether it reaches $100, $1,000, or even $10,000 per token will depend on how deeply it integrates into the next phase of the global financial system.
