Versan Aljarrah, a respected finance strategist and co-founder of Black Swan Capitalist, believes that XRP’s journey to extraordinary price levels begins far from the public spotlight. “For XRP to reach $100, it starts with big players quietly stacking,” he wrote in a recent X post.&nbsp;
His analysis highlights how structural adoption, shrinking supply, and institutional integration could propel XRP from its current price range into triple—and eventually quadruple—digits.
<h2 id="b-quiet-accumulation-and-supply-reduction-b">Quiet Accumulation and Supply Reduction</h2>
The first stage in Aljarrah’s roadmap is a period of discreet accumulation by banks, financial institutions, and long-term investors. As he notes, these players have been “building positions for years, quietly accumulating billions of XRP while retail gets shaken out during orchestrated volatile swings.”
On-chain analytics back this narrative. Data tracking exchange balances shows a steady decline in the amount of XRP held on major platforms, signaling large transfers into private custody and over-the-counter desks.&nbsp;
Each coin moved off exchanges reduces the readily available supply for trading. When the circulating float tightens, even moderate spikes in demand can produce an outsized price reaction.
<blockquote class="twitter-tweet">
 For <a href="https://twitter.com/hashtag/XRP?src=hash&amp;ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">#XRP</a> to reach $100, it starts with big players quietly stacking.
 Banks, financial institutions, and investors have been building positions for years, quietly accumulating billions of XRP while retail gets shaken out during orchestrated volatile swings.
 That naturally… <a href="https://t.co/nXPr1aTmI3" rel="noopener noreferrer nofollow">pic.twitter.com/nXPr1aTmI3</a>
 — Black Swan Capitalist (@VersanAljarrah) <a href="https://twitter.com/VersanAljarrah/status/1968206326535745904?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">September 17, 2025</a>
</blockquote>

<h2 id="b-adoption-for-cross-border-settlements-b">Adoption for Cross-Border Settlements</h2>
While scarcity is key, demand must come from real-world use rather than speculation alone. Ripple’s On-Demand Liquidity (ODL) platform is already driving transactional demand by using <a href="https://timestabloid.com/expert-shares-why-xrp-will-become-the-neutral-bridge-reserve-asset/" rel="noopener noreferrer nofollow">XRP as a bridge asset for cross-border payments</a>. Financial partners utilize On-Demand Liquidity (ODL) to rapidly and cost-effectively convert fiat currencies, generating consistent buy pressure driven by practical, ongoing usage.
As institutions increasingly adopt Ripple’s technology for remittances and corporate payments, XRP’s involvement in settlement processes and liquidity transfers is becoming more pronounced, highlighting its growing significance in global financial transactions. This is the kind of structural demand that can sustain a long-term rally rather than a short-lived price spike.
<h2 id="b-regulatory-clarity-opens-the-door-b">Regulatory Clarity Opens the Door</h2>
Institutional adoption requires legal certainty. After years of litigation with the U.S. Securities and Exchange Commission, Ripple now operates under a much clearer regulatory landscape. Both Ripple and the SEC have withdrawn their appeals, and <a href="https://timestabloid.com/xrp-case-100-done-second-circuit-approves-joint-stipulation-of-dismissal/" rel="noopener noreferrer nofollow">the appellate court approved those withdrawals</a> in August, eliminating a key barrier for banks considering XRP-based solutions.
Ripple’s December 2024 launch of RLUSD, a U.S. dollar–backed stablecoin, further strengthens the ecosystem. RLUSD offers a regulated entry point for tokenized liquidity and supports XRP’s role in settlements, establishing an infrastructure that meets the compliance standards of prominent financial institutions and thereby fostering a compatible ecosystem for mainstream adoption.
<blockquote class="twitter-tweet">
 We are on X, follow us to connect with us :- <a href="https://twitter.com/TimesTabloid1?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">@TimesTabloid1</a>
 — TimesTabloid (@TimesTabloid1) <a href="https://twitter.com/TimesTabloid1/status/1934162718258499855?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">June 15, 2025</a>
</blockquote>

<h2 id="b-scaling-toward-1-000-and-beyond-b">Scaling Toward $1,000 and Beyond</h2>
Moving from $100 to $1,000 would require XRP to become more than a speculative asset. Aljarrah envisions a scenario where XRP “shifts from being a retail speculative asset to a functional utility, essentially becoming digital collateral and the preferred settlement mechanism for banks, stablecoins, and tokenized assets.”
This phase hinges on large-scale banking integration: insured custody services, intraday liquidity lines, and standardized settlement frameworks. As more banks use XRP for high-value payments and liquidity management, the velocity and total value of transactions grow, allowing each XRP to represent a larger share of global financial activity.
<h2 id="b-the-long-view-xrp-as-digital-collateral-b">The Long View: XRP as Digital Collateral</h2>
Aljarrah’s final stage—<a href="https://timestabloid.com/expert-explains-how-xrp-price-will-reach-10000/" rel="noopener noreferrer nofollow">XRP at $10,000</a>—relies on full-scale global adoption. In this context, XRP serves as a foundational element of digital finance, facilitating settlements for tokenized debts, stablecoin transactions, and cross-border payments with notable efficiency and reduced friction. “Its price scales not based on trading but on the actual liquidity and value it processes,” Aljarrah explains, portraying XRP as a kind of digital gold.
Such a scenario would demand near-universal financial integration, where banks and institutions depend on XRP for massive daily liquidity flows. While ambitious, the design of the XRP Ledger—fast, scalable, and inexpensive—makes it theoretically capable of handling such volumes.
<h2 id="b-a-strategic-path-forward-b">A Strategic Path Forward</h2>
“For XRP to reach $100, it starts with big players quietly stacking,” Aljarrah emphasizes. Banks and major financial players would need to thoughtfully stockpile XRP, embed it within their payment systems, and extend ODL networks to tap into its potential for efficient transactions.&nbsp;
Only when these elements align—tightened supply, persistent settlement demand, and institutional-grade infrastructure—can XRP transition from a retail-driven asset to the settlement layer of global finance.
Aljarrah’s analysis underscores a critical message: XRP’s future valuation will be shaped less by speculative hype and more by the silent but powerful actions of major financial institutions positioning for a digital-first financial system.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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The post <a href="https://timestabloid.com/finance-strategist-for-xrp-to-reach-100-big-players-banks-must-do-this-quietly/" rel="noopener noreferrer nofollow">Finance Strategist: For XRP to Reach $100, Big Players, Banks Must Do This Quietly</a> appeared first on <a href="https://timestabloid.com" rel="noopener noreferrer nofollow">Times Tabloid</a>.

Finance Strategist: For XRP to Reach $100, Big Players, Banks Must Do This Quietly

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