The idea of the XRP price reaching $100 keeps coming back, no matter how many times it gets questioned. As the story spreads across social media, more investors are starting to ask the obvious question. Is this even realistic when XRP has such a large supply?
TheCryptoBasic recently revisited the topic and highlighted an interesting take from ChatGPT. The AI model agrees that $100 is technically possible, but it also makes it clear that the conditions needed to get there are extreme in today’s market.
What you'll learn 👉
Why XRP Supply Makes This So Hard
XRP has a maximum supply of 100 billion tokens, with about 60.57 billion already in circulation. That number matters a lot when talking about price.
At $100 per token, XRP would be worth $10 trillion based on total supply. Even if you only count the circulating tokens, the market cap would still land around $6.05 trillion. That’s far bigger than the entire crypto market outside of Bitcoin today.
To put it into perspective, Bitcoin’s market cap is sitting near $1.77 trillion. A $100 XRP would push it past Bitcoin and even beyond some of the biggest companies in the world, including Apple, Microsoft, Nvidia, Amazon, and Google.
Can $XRP Hit $100 With 100 Billion Tokens as Supply.🧵🧵🧵 pic.twitter.com/gnAsNEAHgq
— TheCryptoBasic (@thecryptobasic) December 27, 2025
Bitcoin Would Have to Move Too
Another part of this discussion often gets overlooked. If the XRP price were to reach $100 while Bitcoin stays on top, Bitcoin itself would need to grow massively.
ChatGPT points out that Bitcoin’s market cap would have to jump by about 521%, pushing it close to $11 trillion, just to keep its dominance. That kind of move would require a huge wave of new capital flowing into crypto as a whole, not just into XRP.
Without that kind of market-wide expansion, XRP hitting $100 would mean a complete shift in how the crypto market is structured.
Utility Alone Isn’t a Shortcut
Supporters often argue that XRP’s role in global payments could eventually drive the price to triple digits. ChatGPT takes a more grounded view. High transaction volume by itself doesn’t automatically push the price higher.
Payment-focused networks usually need large token supplies to work efficiently. That same supply can hold price back unless demand grows at an exceptional rate or the supply is reduced in a meaningful way.
According to the model, several big things would need to happen at once. XRP would need widespread adoption by major banks, meaningful supply reductions, and a much larger overall crypto market.
Read Also: Ripple Tipped as Top IPO Candidate for 2026 as XRP Open Interest Slides to 2-Year Low
A Reality Check on the $100 Narrative
In the end, the takeaway is pretty simple. A $100 XRP is possible on paper, but very unlikely under current conditions. The math works, but the real-world requirements are massive.
For now, the $100 target looks more like a long-term talking point than a realistic expectation. XRP’s future will likely be shaped by steady adoption, regulation, and how much the entire crypto market grows over time
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