Many Ripple token holders could wonder what the future holds for XRP. One bold analysis suggests 10,000 XRP tokens could one day be worth as much as $33.8 million. This claim came from a video on the Cheeky Crypto YouTube channel, where the analyst known as Five Blairs broke down the math, market data, and logic behind this staggering prediction.
Through a mix of humor, spreadsheets, and economic theory, Five Blairs laid out a case that blends XRP’s current utility with its potential future in global finance. While the number seems extreme at first glance, the breakdown in the video reveals how serious volume growth and network adoption could push XRP’s price to new heights.
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Ripple XRP Price and the $3,380 Prediction
In the Cheeky Crypto video, Five Blairs began with a simple number: $2.80. That was the approximate XRP price at the time of recording. At that level, 10,000 XRP costs about $28,000. But the analyst suggested something far more dramatic. If XRP were to reach $3,380 per token, that same investment could balloon into $33.8 million.
The analyst pointed to XRP’s current annual transaction volume, which already exceeds $1.3 trillion. With a transaction velocity of 10, he estimated an effective working supply of around $60 billion. But if global usage expands, especially across payment rails, banking systems, and derivative markets, volume could rise into the hundreds of trillions or even quadrillions.
To support this claim, the video cited comments made by Ripple CEO Brad Garlinghouse, who stated in mid-2025 that the XRP Ledger could potentially handle 14% of SWIFT’s $150 trillion annual volume within five years. That alone would mean about $21 trillion in XRP-based settlements. According to Five Blairs, price must scale with volume to keep the system running smoothly, particularly if velocity cannot scale further.
The analyst also referenced Ripple’s more than 1,700 non-disclosure agreements signed with banks and institutions since 2013. He compared them to “silent movie villains”—quiet but powerful. If these NDAs lead to adoption across financial infrastructure, the XRP price would likely respond.
Ripple XRP Price, Velocity, and Global Liquidity
Another key concept introduced by Five Blairs was the relationship between transaction velocity and price. In simple terms, when a network processes a high volume of payments using a limited supply of tokens, either those tokens must move faster, or their price must rise.
Since XRP already has a high velocity, estimated at around 10, it becomes technically challenging to increase that number much further. Therefore, price becomes the likely release valve if volume continues to grow.
Related Article: Here’s the XRP Price If Ripple Is Used in 20% of E-Commerce Payments by 2029
Cheeky Crypto’s video emphasized that Ripple XRP isn’t aiming to be just another coin. It is targeting use cases in cross-border payments, derivatives clearing, and even settlement systems like the DTCC, which handles over $2 quadrillion in transactions annually. Five Blairs argued that if XRP plays a meaningful role in even a fraction of this market, the price could move significantly higher.
To give the claim more credibility, the analyst reached out to XRP advocate and educator Adrino Farina, who has long supported the idea of holding 10,000 XRP as a future-proof position. Farina’s response was consistent: “Patience pays if utility stays.” He also reminded viewers that major financial shifts take time, and Ripple is laying groundwork that could take years to fully develop.
Is $3,380 Per XRP Realistic or Just a Dream?
Despite the bullish argument, the Cheeky Crypto video included several reality checks. Five Blairs acknowledged that adoption takes time, regulation is unpredictable, and institutional change is often slow. He even shared personal anecdotes to illustrate how public understanding of crypto is still evolving. Years ago, his grandmother asked if she could buy half a Bitcoin at Walmart. Today, she talks about liquidity with her friends at bingo.
The analyst reminded viewers that XRP’s all-time high of $3.84 in January 2018 gave it a $160 billion market cap. To reach $3,380, Ripple XRP would need to grow its market cap to more than $160 trillion. That’s larger than the GDP of every country combined, but Five Blairs argued that comparing XRP to global FX and derivatives markets shows that the target is not entirely impossible, it’s just extremely ambitious.
Regulation was another key topic. Cheeky Crypto discussed how the Ripple vs SEC lawsuit once cast a shadow over XRP, but today, there is partial clarity in the US and growing acceptance in places like the EU and UAE. Regulatory frameworks are starting to emerge, which could pave the way for greater institutional confidence in XRP.
Even so, Five Blairs did not ignore the risk. He clearly stated that cryptocurrencies are volatile, and nothing is guaranteed. The math behind the $3,380 target may check out on paper, but turning theory into reality depends on many external factors—volume growth, velocity limits, regulatory clarity, and infrastructure adoption.
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As the analyst put it, XRP could become essential if it plugs into multiple layers of financial plumbing. But for now, the foundation is still being laid. He compared the process to building fiber optic cables before the world had streaming video, sometimes utility remains hidden until the world is ready for it.
At the close of the video, Cheeky Crypto offered a final thought: XRP’s future might not lie in explosive hype but in quiet utility. If 10,000 tokens one day become worth millions, it won’t be because of a meme but because the tech worked, and institutions used it.
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